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

I reached out to EQUIFAX INC. In the form of an affidavit on XX/XX/2022 via Priority Express Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX EQUIFAX INC. Upon receiving this information I drafted another letter and mailed it out to EQUIFAX INC. as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called EQUIFAX on XXXX XXXX to inquire about the notice that was recieved and EQUIFAX INC. stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, EQUIFAX recieved a second Notice of Default which was signed for by the same individual. I called EQUIFAX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. EQUIFAX INC. stated to me again that they have not received any documents from. 
EQUIFAX INC unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize EQUIFAX INC. to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year>, XX/XX/year> and XX/XX/year> Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date.

Despite providing this evidence, the late payment was incorrectly recorded on my credit report.

Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, Experian, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I have XXXX XXXX  XXXX has not sent me a statement regarding my claim for a XXXX I have provided all insurance information at time of service. XXXX  does this all the time including a visit for my XXXX
Product: Credit card or prepaid card

Account paid off on XX/XX/2020 and reporting as account as written off with a owed ballance
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

The bank promised me a bonus if I met certain requirements. They offered a checking bonus and a credit card bonus. I received the checking bonus but not the credit card bonus. I met all the requirements for both bonuses, but the bank has not paid the {$50.00} credit card bonus. The bank wo n't respond to my calls or faxes. I called the bank and they said the only way they could help me was if I faxed the information to their cardmember services at XXXX, which I did on XXXX/XXXX/16 and again on XXXX/XXXX/16. I called to ask whether they had received my faxes and they said yes, but that it would take several more weeks for them to respond. It seems like they 're stalling so that I will go away.
Product: Checking or savings account

On XX/XX/XXXX, my account was debit {$750.00} that was immediately taken out my balance, and put in pending transactions. On or around XX/XX/XXXX, the transaction posted to my account. On XX/XX/XXXX, TD Bank took an additional {$750.00} out of my available balance, then posted the same transaction as being posted on XX/XX/XXXX. There is no record of what happened. I am owed {$750.00}. I'm told that I need to dispute the transaction. The issue is the fact that the bank took it out of my available on XX/XX/XXXX, then took it out again on XX/XX/XXXX. The {$750.00} was never put back in to be taken back out. I'm out of money owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report as it is fraudulent and not associated with me.
Product: Checking or savings account

I had a saving account with Bank of America and my balance was slightly less than {$500.00} for some time. The bank started charging me a maintenance fee every month. This was happening without my knowledge until my balance reached {$25.00} then they sent me a statement in the mail. I decided to close down my saving account and cash advanced using my BOA credit card to recover my loss. After this, I cancelled my BOA credit cards. I want you to investigate the illegal activities of BOA against customers like me. I could have easily added a few dollars to bring my balance up to avoid penalty. It is the habit of BOA to charge customers accounts without their knowledge. I explained what happened to BOA customer service but they are not interested in resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There was an issue with my account information on the application to make a payment. My credit reporting is showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that the account was past due. This was due to account information being invalid when setting up payment.
Product: Checking or savings account

On XX/XX/XXXX I was locked out of my Chime account. I tried for over an hour to get into my account without being able to. A number popped up at the bottom of my screen and asked do I wish to call I said yes. The person asked what my problem was I identified my issue and he identified himself as chime support and began to get me into my account. After I was able to see my account he began to get me to transfer funds to two individuals which he said was to verify identity and make sure it was my account. Then my money just kept coming out to a grand total of XXXX approximately. The call was then disconnected. I notified chime and initiated disputing charges. They say they didnt find any fraud. I asked to reopen dispute but show no evidence of reopening
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSE TO REMOVE TO STUDENT LOANS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME 1. ACCOUNT XXXX XXXX WHICH HAS BEEN REPORTING FOR OVER 20 YEARS 2. THE SECOND ACCOUNT XXXX XXXX ALSO BEEN ON MY CREDIT REPORT FOR OVER 20 YEARS. THIS IS NOT MY ACCOUNT AND THIS IS INCORRECT REPORTING ACCOUNT NUMBER # XXXX I WAS A VICTIM OF IDENTITY THEF..
Product: Credit card

I was approved for a Flex Loan Payment from my Citi Simplicity Credit Card. After making several payments, after making my XXXX payment I decided to pay off the total balance a few day later. I signed up for e-Statements from Citi on this Flex Loan. in XX/XX/year> I did not get a e-statement from them and called customer service to get one. He said they do not send out Statements with no Balance, I told him that was fine, but the XXXX e-statement contained important balance information from the XXXX payments that I had made and XX/XX/scrub>XXXX XXXX  did not show the balance was paid off. he refused to send a XX/XX/year> statement. I explained that the monthly payments are reflected on the next monthly statement after the payment was made and I do not have the documentation that I need. After several calls, I look to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my daughter will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.
Product: Debt collection

XXXX XXXX appears on my credit report and information was sent to a third party vendor unauthorized and shared as a public record XXXX XXXX TransUnion XXXX XXXX XXXX Opened XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Global Lending Services Llc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Global Lending Services Llc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have called twice ( once today, XX/XX/2020 ) and once on approximately XX/XX/2020 to request my account be reviewed for a lower than the maximum interest rate. I believe that they are charging me substantially more than they should be due to how my bill looks and due to the fact that I make on time payments regularly. The XXXX call resulted in the gentleman looking at my account and telling me I would receive a letter in the mail and to call back after I received the letter. The call today resulted in them demanding my cellular number so they could text me a code. I declined that because I do not want to get more junk calls and texts than I already do from automatic dialers on my cell phone. They then transferred me to their " fraud '' department. the lady asked me if I had any other checking accounts or savings accounts with them and demanded a phone number where she could call me right back to verify it was me. I gave her a phone number. I also provided my mothers maiden name, I provided my social security number, my zip code. I have not used this card in years and am just paying down the balance. I pay XXXX and XXXX of that goes to interest on a balance of {$14000.00}. the math does not add up on this. I have a XXXX XXXX card and pay less on a higher balance which I am also paying down. 

I am not looking for a free ride but citi is doing something VERY disturbing and shady here. by the way, its been 45 minutes and no one has called me back. so no letter in the mail that they claimed I would receive, no call back that they claimed I would receive and all because I would not provide a cellular telephone number. 

I have had this credit card for more than 15 years and have made regular payments. a maximum percentage rate with no one even entertaining lowering it is in violation of federal law. they are supposed to review your credit every 6 months and they are not even trying to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX XXXX act # XXXXXXXX XXXX XXXX : act XXXX XXXX XXXX XXXX : act # XXXXXXXX XXXX XXXX XXXX act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXXXXXX XXXX : act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 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 XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months I fought Experian because they REFUSED to block information on my credit report that was the result of identity theft. I repeatedly provided them with copies of all the documentation that requested to block the information, but instead they kept opening disputes instead, in direct violation of section 605b of the FCRA. Finally after months of frustration someone finally assisted in the blocking of the account of concern. Then this morning, several months after the account was blocked, I got a notification from Experian regarding a dispute they claim I initiated today ( XX/XX/XXXX ) for this account. They then finalized the dispute in less than an hour and placed the account back on my credit report. The account in question is a XXXX XXXX account with account number XXXX and was opened in XX/XX/2014. This is not the only account or piece of information that had to be blocked as a result of identity theft, but its the only one they blatantly refuse to comply with the FCRA and handle in a lawful manner.
Product: Money transfer, virtual currency, or money service

Cash app /Square disabled my card 3 weeks ago and it hasnt been fixed yet... I keep Filing complaints a d nothing is happening... I am unable to pay my bills ... Due to this I have about 5 bills that are recurring monthly and I am getting notified about late fees and stuff because of this .... 

The card has been activated I have used it ... I am just tired of this ... It needs to be fixed ... If its not fixed soon ... I will be failing a federal lawsuit... They need to compensate me for my late fees and the inconvenience Pastor XXXX XXXX XXXX $ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year>, XX/XX/year> and XX/XX/year>
Product: Student loan

I have multiple degrees and multiple loan groupings. I applied early to the XXXX program in XX/XX/XXXX and was confirmed by XXXX that all would be eligible for XXXX. Nelnet has kept my professional loans separate in standard repayment, despite my grace period ending XX/XX/XXXX. They have the loans marked due in XXXX and telling me that these loans will not be processed under the XXXX program until then, and that I will be responsible for the interest accumulating daily on these loans while they take the time to process. They are clearly not equipped to be servicing these loans. I have called XX/XX/XXXX, on hold for an hour and told these loans would be on XXXX by the end of XXXX. XXXX on hold for XXXX minutes and didn't get to talk to a servicer. I have sent multiple emails as well. XX/XX/XXXX, XXXX -- on hold for XXXX hours only to be told they are going to need XXXX extra days to process the application that was submitted in XX/XX/XXXX, and that I would owe interest because of their incapabilities. I made an online payment of XXXX $ on XX/XX/XXXX with the special instructions that they go towards my professional loan interest only ( AL, AM, AN ), but of course they applied it to the incorrect loans that were already in XXXX and should not have been paid. They make themselves unavailable for it to be corrected on the phone. I dont have XXXX hours to wait on hold. I have to work during business hours when they are actually open and I have my daughter to take care of at night. Every time I call in and actually do get to talk to someone after hours, nobody knows what's going on and somehow I am the expert on the loan statuses, explaining to them what the issue is. Clearly they have no interest in processing the application so they can continue collecting interest that should no longer be accumulating. They need to be held accountable for their ineptitude and wrongdoing. They are preventing access to knowledgeable servicers who can actually answer what is going on with the loans, hoping people will give up when they can't get through.. I spent years in school so that I could be helping patients, and instead of opportunities to refine my clinical skills I'm spending my time off on hold for hours because of this shady loan servicer. Shame on Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021.