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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX  XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the XXXX and Equifax Credit Bureau and the XXXX  XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Product: Credit card

I received a paper statement fee on a couple of my synchrony accounts. The one is for XXXX XXXX  and the other is for XXXX XXXX. I was not notified of this fee from the creditor. I would like this waived and confirmation that it will not be charged again. It appears that Im signed up for paperless statements.
Product: Debt collection

XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to formally dispute the inaccurate information being reported on my credit file concerning my account with XXXX XXXXXXXX Account Number : XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. 

The account is listed with the following inaccuracies : 1. The account status is marked as " charged off '' with a balance of {$570.00}, which I contest as inaccurate. 
2. The reported history of missed payments and negative remarks does not align with the proper procedures for verifying accuracy under the FCRA. 

I believe this account may be in violation of consumer protection laws, including but not limited to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Incomplete Verification : If the information can not be fully validated with complete and accurate documentation, the reporting agency must remove the disputed account. 
Statutory Requirements : Inaccurate, outdated, or unverifiable information must be deleted per Section 609 and Section 611 of the FCRA. 

Please conduct a thorough investigation of this matter and provide me with a written response regarding your findings. If the accuracy of this account can not be verified or corrected, I request its immediate deletion from my credit report. 

Additionally, please notify all credit reporting agencies of this correction as required by law. 

I expect a response within 30 days as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Product: Debt collection

Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report
Product: Credit reporting

I sent Equifax a letter on XXXX XXXX 2016 certified mail proving that they did receive my letter. The purpose for sending the letter is because I see several things on my credit report that do n't belong to me. I sent Equifax supporting documents including a police report of the identity theft incident. Euifax never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to experian on XX/XX/XXXX asking them to remove the inaccurate addresses from my credit profile but it is now XX/XX/XXXX and the address is still wrong. clearly they do not pay attention to what they are reporting on consumers credit reports, nor do they read the letters people send them. 

i have attached proof of delivery as well as the exact letter i sent them
Product: Debt collection

I satisfied my debt on XX/XX/XXXX. The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed. This has prevented me from obtaining title insurance and prevented me from selling my home. 

My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien can not be removed. 

I contacted the law office on XX/XX/XXXXand informed me of the problem. They told me to have the title company send them a " demand in escrow '' which they did immediately. The law office never responded to this demand. I have contacted the law office numerous times but they will not respond to any of my e-mails. I finally received a response on XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates. 

I reported the lawyer to the California State Bar for misconduct and I sent a copy of the complaint to the lawyer. I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date. This is holding up the sale of my home and I have now lost the pending sale. My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property. California law requires the lien to be removed within 15 days of the debt being paid off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from the XXXX and Equifax data breaches, where my personal information was compromised and misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly revealed that a significant data breach had occurred on XX/XX/XXXX, due to hacking. In a revised announcement in XX/XX/XXXX, XXXX confirmed that all three ( 3 ) billion accounts were affected, compromising the names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions of its users. My XXXX email address ( XXXX ), which I primarily and actively used from XXXX  to XXXX, was among those compromised. Additionally, on XX/XX/XXXX, Equifax disclosed a major data breach that occurred between XXXX and XX/XX/XXXX, exposing consumer data including names, addresses, phone numbers, email addresses, and other sensitive information. As a result of these breaches, I have reason to believe that my personal data has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX  on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX and with XXXX XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections, charge offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Checking or savings account

On XXXX XXXX 2021, Money Lion abruptly suspended my account. I had a total of {$210.00} in my account, they would not give it back to me. They claim they would send it back to where it came from, but they never did. I had a deposit on XX/XX/XXXX for {$790.00} from unemployment, and the unemployment agency stated they have not heard anything from Money Lion. So it shows in this account that I have {$210.00}, because Money Lion has been taking a dollar administrative fee since XXXX. I frankly don't know what to do to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I contacted Equifax and they told me it would take 30 days, however the Fair Credit Reporting Act says the accounts must be verified or blocked in 4 days.
Product: Money transfer, virtual currency, or money service

XX/XX/year> charge to my cashapp Visa card of {$57.00}. Never spoke too a person just the chat Bot asking question that didn't pertain to my issue. No person ever called or contacted me and the charge is still showing
Product: Debt collection

The collectora called RENT DEBT AUTOMATED COLLECTIONS contacted me via phone arguing that I owe XXXX from.a debt in XX/XX/2018 because I left the rental unit in XXXX Tennessee before the contract was due. I left because the bathroom did not work. And I have XXXX children that were using the yard to XXXX and XXXX. I wrote letters to the leasing office, but they never responded me back. 
They are damaging my credit score because of that. So, I agreed to pay it in parts. But it is too high. 
Thank you XXXX XXXX
Product: Student loan

XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?
Product: Money transfer, virtual currency, or money service

I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.
Product: Vehicle loan or lease

I had XXXX cars loan from wells Fargo few years ago. but I heard they are having issue with extra charge and etc., but I still didnt get any call from wells fargo.
Product: Bank account or service

Citizens Bank/XXXX. My bank ( Citizens ) has allowed an unauthorized charge of {$160.00} ( XXXX on XXXX XXXX, 2017 ) to be removed from my account. They have refused to help me or give me a credit. The bank states the charge is an annual fee. I never agreed to an annual fee and I still do not agree with the charge. I do have a contract with Citizens bank stating fee for {$14.00} a month will be charged and a small percentage. I have never agreed to any annual fees. The agreement will be attached. The bank has also refused to stop any payments from Workday even after requesting it several times.
Product: Credit card or prepaid card

XXXX I thought this complaint had been resolved! 

I just received a card today from them with the same account number in this wrong name which they can not clear out of my credit report but I was willing to let sit on it. 

They had issued a wrong card originally with tis incorrect name and birthdate, then fixed it now issued it incorrectly again???? 

Each time it goes as an inquiry and XXXX score gets affected, why. I want the account closed!!!!! I even paid {$99.00} fee just to be rid of them. They are harrassing me, I am XXXX yrs old and alone and do not know what to do and I am scared!!! This is my credit! 

Can you help me, please have hem close out the Barclays accout and end my nightmare!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue with XXXX XXXX still remain on my credit report. With the provided evidence that shows the account was reopened in XXXX was on all three of the credit bureau reports. XXXX removed XXXX immediately due to the fraudulent reopening of the account. I ask that Equifax remove XXXX XXXX XXXX off my credit report because of the account reopening.
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/2020 I called the company called Credit9 at the number XXXX due to having received mail correspondence to my home address about being pre-approved for a personal loan. I spoke on the phone with a female representative of the company named XXXX who explained that her title is adviser. I was informed by Ms.XXXX that I will be approved for a personal loan, and that all I needed to do was provide my personal information, such as my full social security number, date of birth, home address, and full name. By providing the information I will be approved for a personal loan. Ms.XXXX informed me that she was going to send my information to a department called underwriting and will call me back at later time in the day to inform me of my approval. 

At approximately XXXX XXXX. eastern standard time, Ms.XXXX   called to inform me that my personal loan was not approved due to the reasons of a high amount of credit utilization and high amount of debt to income ratio. Which was not mentioned before I gave my personal information, and was not disclosed to me as a factor in not being approved for the personal loan. I never agreed nor was I informed about this factor preventing me from being approved. When I asked Ms.XXXX  to issue me a letter in writing for the reason of my personal loan not being approved, she informed me that it is up to her manager if one can be written and was not sure if she can write it. She informed me that the manager was busy and will reach out to me when possible. 

I am writing this complaint because I view, discern, imply and interpret this matter of business that Credit9 has conducted as deceptive practice and breach of verbal contract. I can prove that I have a clean credit report and have always paid my payments on time to all my creditors. So to be told that I am not approved for the personal loan and having my personal sensitive information be given to being assured and informed that I was going to be approved for a personal loan is deceptive and fraudulent. I am entitled to being issued my personal loan from the company.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

After not being able to get into my chime account for 2 weeks I finally got into it and my money was gone XXXX $ from cashapp XXXX games XXXX XXXX cashapp XXXX game XXXX $ cashapp XXXX game I reported them and 4 weeks later I got a email saying my dispute was found no error after being told on chat support that I had an high chance of winning the dispute I have picture of it
Product: Payday loan, title loan, or personal loan

When I took out this loan I was ok, i'm XXXX and on XXXX, things became worse with my XXXX, daily money problems and then became unable to pay anymore after making only 1 payment, now they are harrassing me daily by making 1-2 calls to me by the manager " XXXX '' XXXX I've warned her she is harrassing me and making my XXXX worse but she refuses to understand and keeps calling and is calling my references and i've told her to STOP harrassing me and anyone else, but she will not do it, I want this to stop immediately, I can not make these payments because of the high cost of everything now days, alot of things are changing for the worse and now my rent has increased, not by much, but i'm looking to move and it's impossible with how rent has changed. She needs to stop. I refuse to talk to her, someone needs to warn her she is harrassing me in everyway, mail, phone, all ways possible and it needs to STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because back in XXXX of 2020 I filed disputes with Transunion, XXXX  and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from XXXX XXXX XXXX, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears Ally Bank and XXXX are possibly colluding to modify loan terms.
Product: Credit card or prepaid card

l am who I am the natural person and consumer and applicant in fact. I have applied on numerous occasions to get credit cards from this institution to use for personal, family and household purposes. I have been violated, disrespected and denied numerous times for various cards when in fact I am the original creditor and I tendered a negotiable instrument and I extended the credit pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This institution has committed federal violations under the equal credit opportunity act, and the fair debt collection practice act. This company also blocked my account to prevent me from using my card and failed to make it open ended.