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

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT THE FRAUDULENT APPLICATION IN MY NAME. 

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have already reported to IRS that Taxpayer received a gain from previous debt written off. The companies such as XXXX # XXXX {$10000.00} Cobalt XXXX XXXX # XXXX {$17000.00} XXXX # XXXX {$1800.00} have been reporting unpaid balance since XXXX after Consumer notified each Company by letter of Insolvency and XXXX XXXX XXXX would be handling all payments based on Consumer hiring XXXX to handle all debts directly with Creditors. 
Customer sent letters several times to each of these Creditors explaining the circumstances and that there's no longer any valid contract and the debt amounts are not correct and some turned over to Third Party Debt Collection Agency ; even after Consumer notified each Creditor that due to enrollment into Debt Collection Program ; each decided to keep on reporting negative information and showing an unpaid balance ; even after writing the debt off and reporting it as a gain for the Consumer on his 1040! 
These Creditors were written in XXXX along with sending each Credit Bureau a letter explaining that the debts were not mine and were no longer owed, balances incorrect, sold to Third Parties Debt Collectors ; contract not valid or with current signature and date! 
The continued reporting of these so called debts must be deleted from all my Credit Reports due to the fact each Creditor wrote the debt off! Also it has been over 4 years since each Creditor was notified to remove and delete the negative statements and unpaid amounts! Since Customer did notify them in XX/XX/XXXX of being enrolled with XXXX XXXX XXXX why are these Creditors still allowed to report negative information when Creditor provided reasonable documentation and payment plan from XXXX back in XXXX? 
These Creditors must remove and delete all information regarding unpaid balance because Consumer does not owe any balance nor is making any monthly payments! 
Please delete these accounts because they serve no purpose but reporting negative information which is not accurate! 
This information regarding a list of liabilities was on application for refinance of mortgage XX/XX/XXXX with XXXX XXXX I've already sent documents in the past regarding same subject matter with negative results because the Creditors are still being allowed to report inaccurate information which must be deleted entirely from all my Credit Reports!
Product: Checking or savings account

Chase bank abruptly closed my account. Despite multiple inquires, I have not received any explanation or information regarding this action. Please provide a detailed and resolution promptly.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received my credit report from you. It included the following incorrect information : CAPITAL ONE AUTO FINANCE 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. 

Delete account immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, Transunion and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit card

I participated in a promotion starting on XX/XX/XXXX which was " Spend {$500.00} and get a {$300.00} statement credit ''. The requirements were to spend {$500.00} from XX/XX/XXXX - XX/XX/XXXX. I satisfied those requirements by spending {$690.00} between XXXX. I sent online messages to Citi Retail Services on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Basically, the online agent responded that I didn't qualify for the offer, but didn't give any details on why. When I asked why, they advised I needed to call the customer service phone #. 

I called in and talked to XXXX, then XXXX on XX/XX/XXXX at XXXX. XXXX, an account supervisor, forwarded my issue and request to another team for review. She said they would reach out with questions or a response within 48 hours. I advised that I did not save proof of the promotional offer, but that the company should have record of the offer, since they solicited me. They still have not contacted me with a resolution, so I am filing this complaint. 

I only use this card when the company sends me an enticing promotional offer, so it should be very obvious to them that I satisfied the requirements of this promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are closed by the companies, when I received my reports back from bereaus via XXXX, XXXX and Experian
Product: Credit reporting or other personal consumer reports

XXXX CARD ( Bank ) : XX/XX/XXXX XXXX BANK ( Bank ) : XX/XX/XXXX TD AUTO FIN ( Finance ) : XX/XX/XXXX XXXX ( Finance ) : XX/XX/XXXX CLEAR LAKE D ( Auto ) : XX/XX/XXXX FIFTH THIRD ( Bank ) : XX/XX/XXXX XXXX C ( Auto ) : XX/XX/XXXX XXXX AUTO ( Bank ) : XX/XX/XXXX CAPITAL XXXX ( Bank ) : XX/XX/XXXX XXXX AUTO ( Bank ) : XX/XX/XXXX FIFTH THIRD ( Bank ) : XX/XX/XXXX CAPITAL XXXX ( Bank ) : XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX CREDIT HUMAN FCU-IND : XX/XX/XXXX BIG STAR XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX FIRST COMMUNITY CRED : XX/XX/XXXX CAPITAL XXXX BANK XXXX XXXX XX/XX/XXXX ALLY FINANCIAL : XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian thru CFPB on XX/XX/2019 attached with a complaint response from XXXX XXXX XXXX that is listed on my report that I also file against the creditor last week on CFPB and they responded.. Without Experian opening the file attachment that I have attached to this complaint again, Experian responded back to me this morning WITHOUT bothering reading the attachment. XXXX XXXX XXXX said in the attachment ( PLEASE READ IN ITS ENTIRETY ) that they will remove the negative tradeline from my credit report in 45 days. I'm asking Experian to remove it earlier based off the attachment that says XXXX XXXX XXXX will remove it. Please do not send me a response without reading the document telling me about an investigation back in 2019. SEE ATTACHMENT
Product: Credit reporting or other personal consumer reports

The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them.

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX
Product: Credit card or prepaid card

The pandemic had just begun and I missed a single credit card payment Ive had this card for almost 3 years now and its the only missed payment Ive had. I called Chase to ask for them to remove it and they said no. So I was hoping you could do something about it.
Product: Checking or savings account

I don't know how to start this other than by saying that I am extremely sickened by it and that I am having to do this process because of what has happened facilitating overdraft on my checking account. 
I will say that this was not due to bank error, but something going wrong elsewhere. 

I was on my phone managing notes when a notification about an email notice received from BOH alerting me that my balance dipped below a certain threshold or was negative. 
Upon logging into my account immediately to see what happened and confirm the validity of the error I saw, to my extreme dismay, that my account was in the negative almost {$70.00} because of an unexpected {$40.00} annual membership fee. I had calendar notices set for this for that I've been using the past few years to avoid this exact situation. Something XXXX those alerts and alarms and I did not receive them to make sure that I had the funds in the account. 
I am so disgusted that I have to bother you about this to seek reversal of the {$30.00} NSF fee because I absolutely can not afford to pay the fee. I am going to try to pay the {$40.00} balance as soon as I can to mitigate the situation, but I absolutely can not afford anymore expenses and fees at all at this time and ask that you reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter disputing incorrect and inaccurate items on my credit report. To this day over 60 days later I have not received a response, I feel like Im being taken advantage of and being ignored of my disputes. It has been over 60 days so they should be deleted immediately. My information was also impacted by the Equifax data breach, my information could have been obtained illegally.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$820.00} XXXX XXXX XXXX : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem.
Product: Credit card or prepaid card

Someone with a net spend account under my name and other information logged into my XXXX account and changed my direct deposit information that was originally set to receive payments to XXXX XXXX. XXXX goes through the company I work for to show my timesheets and paystubs. Net spend refuses to let me cancel this card which I never made nor authorized to be made and this card now has access to my paycheck that Ive worked very hard for the past XXXX weeks.
Product: Vehicle loan or lease

Illegally Disabling Vehicles and for XXXX XXXX Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. TransUnion 's reports my name as XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with TransUnion but they did not remove the account. TransUnion has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, TransUnion must remove the account from my credit report. Note that other credit reporting agencies such as XXXX  has removed this account to comply with law.
Product: Credit card

On or about XXXX I used my XXXX XXXX XXXX and my card was declined. When I called XXXX XXXX they told me my account was closed.
Product: Student loan

I have made a refund request for payments made after XX/XX/2020 as per the CARES ACT from MyFedLoan on XX/XX/XXXX via phone call. I also reached out via email on XX/XX/XXXX as confirmation. Additionally, I made several other phone calls on XX/XX/XXXX attempting to request the refund from MyFedLoan for all payments made to my account after XX/XX/2020 per the Cares Act. 

Each time I asked to receive a confirmation number and was given no confirmation or tracking number. On subsequent calls, after making a request that the customer service team said was submitted, the next representative told me that they could find no refund request made at any time. 

Going forward, I have been unable to reach out support team in a timely manner, several hours on hold each time, and have been hung up on several times when attempting to follow up on my refund. It is clear that they are attempting to delay refund requests to avoid paying back the loan payments made and reinstating my loan. 

Each time I was told that the refund request was submitted I was given an estimated wait time of almost 6 months that I would have to wait for the refund to be processed and that there would be no way to track the refund request during this time. 

I am simply trying to receive a refund for any and all payments made to my MyFedLoan ( Account # XXXX ) as per the CARES Act and to have a confirmation of this or to have them refunded in a timely manner and my loans reinstated.
Product: Student loan

Navient you currently sent me a threatening letter stating your going to sue me if I closed the account in my name. My answer is Identity theft. The procedure to filing identity theft is to notify the company of identifying theft and have the account closed. This is my notice to Navient close the account and send me the Identity theft package.
Product: Prepaid card

I purchased an American Express e-gift card for {$750.00}. It is not accepted anywhere I try. I have tried to use it at multiple websites online, and it is declined everywhere. When I call the company, they just tell me to use it elsewhere. I have called twice already, and they all give me the canned response that my transaction was declined for the " security of the funds ''. Apparently, according to various chats online, everyone is having this problem as well. 
In addition, there is some sort of fraudulent charge for XXXX cents by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX, XXXX XXXX
Product: Debt collection

I bought furniture from XXXX XXXX XXXX XXXX XXXX, NC in XX/XX/2022. XXXX said that I filled all the paperwork out correctly and that they gave TD Bank the correct address to bill me. I never recieved a bill. I got a call from collections telling me that i had not paid. TD Bank will not talk to me becuase the account is in collections. I feel like TD Bank messed this all up, they should be willing to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX. Company : XXXX XXXX Account # XXXX 
Has been reporting. On my consumer report for a medical debt violating my privacy rights as established by the FCRA and my HIPPA rights as well as the PRIVACY ACT 1974. They have purchased my personal information from XXXX XXXX XXXX. The amount of {$160.00} which is under {$500.00} and not to mention I the consumer has never sign any contract with XXXX XXXX  I've asked this company for proof of contract with XXXX  and never received. But yet they continue to report to my consumer file. I the consumer has never signed any contract with them. 15 United States Code subsection 1681b ( C ) states they are in violations of my consumer rights. Under this section XXXX is not in compliance with the Law which states : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 45 CFR Subsection 60.7- Reporting medical malpractice payments. 15 U.S. Code 1681e XXXX  is not in compliance. states : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. No permission was given to XXXX to gather my information nor to share it with a third party which is TRANSUNION and XXXX reporting agencies. XXXX XXXX has sent me a letter from the original creditor as their proof for validation which does not prove in owe XXXX XXXX which is fraud they are saying i owe them {$160.00} with no proof of contract.
Product: Debt collection

I saw claim for a debt I never owed believed to be made fraudulently
Product: Debt collection

I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result.
Product: Debt collection

On XX/XX/XXXX I received a text message from my supervisor that someone from Ardmore Finance named XXXX contacted her and that I need to call them so that a sheriff wo n't serve me at work. The information should not have been said to my supervisor and on XX/XX/XXXX I verbally advised them to not contact my job and they had no right to release that information to my supervisor. On XX/XX/XXXX I received another call at work at XXXX after advising them to not contact my job and that I will contact them from my cell phone and was then hung up on.
Product: Mortgage

To Whom this may concern, We have been paying our mortgage payments to ARVEST Mortgage Co. located in XXXX XXXX ArkXXXX 
for the past 15 years or more. In late XXXX we received a notice that Arvest Mortgage was merging with Arvest Bank. Since then we have not received our mortgage statements in the mail, on time, to make the necessary payments on time. We have never been late with a payment! In addition they have attempted to charge late fees for their mistakes which we have called them to handle. Recently after calling them once again they stated they would mail us a statement plus send a statement via e-mail. 
( See attached statement ) In this new statement, once again, they are including a late fee even though we have a 16 day grace period. We then called Customer Service back and asked why the late fee, they kept transferring us from person to person before we could get the late fee removed. The Customer Service Agents we spoke with kept saying they had no idea of what they could do, so they transferred the call to XXXX who was the Lead person on XXXX XXXX, XXXX. She agreed to remove the late fee and e-mail us a statement proving it was removed. Since that discussion with XXXX, we still have not received that e-mail statement for proof. 
Since this is an ongoing problem of not receiving our statements in a timely manner, as has been in the a 15 years, is there anything that can be done to have this situation corrected? 

Thank you for your assistance!
Product: Credit card or prepaid card

I had a Chase credit card XX/XX/XXXX was on my credit reports, shown as paid, on time then removed from my credit reports. My receipts showed I paid a credit card. The reason for my use of credit card is to build credit on the reports. Most if not all banks show credit card activity on credit reports. Evidence available if needed.