23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I had been paying the Self inc XXXX $ every month for over a year and I noticed my credit card never seemed to reduce. Looking back at the statements I realized it was practically all going to interest as shown below ou may have to pay a late fee of up to {$15.00}. 
Minimum payment warning If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example : If you make no additional charges using this card and each month you pay... 
You will pay off the balance shown on this statement in about... 
And you will end up paying an estimated total of... 
Only the minimum payment 4 years {$1300.00} {$32.00} 3 years {$1100.00} ( {$160.00} savings ) If you would like information about credit counseling services, call XXXX. 
Account notifications Account summary Previous balance {$780.00} Payments $ XXXX Credits & adjustments {$0.00} Purchases {$0.00} Fees charged {$0.00} Interest charged {$17.00} New balance {$770.00} Statement closing date XX/XX/year> Days in billing cycle XXXX Past due amount {$0.00} Expedited payment fees {$0.00} Credit details Credit limit {$820.00} Available credit {$46.00} XXXX XXXX XXXX XXXX amount {$650.00} So I closed it and I still owe XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/1995 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I, XXXX XXXX XXXX XXXX XXXX herby Opt-Out and do not wish to resolve disputes with Experian through arbitration.

Again, I reject the arbitration clause in the Experian interactive service agreement. 
I also reject any other clauses that were not fully disclosed to me in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX XXXX a living and breathing man of sound mind and body.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX/XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX/XXXX as of XX/XX/XXXX for my VA loan. I have also asked for my FICA score to be reversed due to XXXX/XXXX not submitting payments made since XX/XX/XXXX after cashing checks with my VA loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Product: Mortgage

I initiated my mortgage refinance application with Key Bank on XX/XX/2020 and paid my application fee on XX/XX/2020. However, 3 months later, the underwriter has not started the review. The lending officer, XXXX XXXX ( NMLS XXXX ) has been unresponsive to my emails and phones regarding status update, and provided wrong estimation on closing date.
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit card

closed acct under chpXXXX bankruptcy still showing under my XXXX credits bureaus.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX  XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( XXXX ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX  ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I have been contacted by Wells Fargo Auto four times now, and none of the representatives will listen to what I have to say. This was a fraudulent loan. I have a lawsuit against XXXX XXXX XXXX as well due to them reporting assets that I do not have. 

I have told representatives from Wells Fargo Auto what XXXX XXXX XXXX did, and it fell on deaf ears. Once I complete my lawsuit against XXXX XXXX XXXX, I plan on filing a lawsuit against wells Fargo Auto for not looking into my checking accounts in which they should have done before granting this loan, as I banked with them since 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax in response to their " Notice of Data Breach '' letter. I said that I wanted them to remove my name and identifying info from their data base as a result of the recent criminal breach of this information. The person on the Help Line ( XXXX, from New Mexico, on XXXX at XXXX XXXX ), said he did n't think that could be done. I asked him to check and he said the supervisors he checked with told him that I should go to their website. Their is no information about this on the website. I asked to speak with a supervisor and he said that they would not talk to me. 

SHUT THESE PEOPLE DOWN! It 's bad enough that they XXXX up, but they are totally non-responsive to the same people that they shafted.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When retrieving my credit report of XX/XX/2019 on XXXX   I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Product: Credit reporting

Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.
Product: Credit card or prepaid card

I had a trip delay on XX/XX/2022 and in XX/XX/2022, I filed a claim with Chase and XXXX which is their provider that handles their insurances and claims. I'm looking to receive reimbursement in Chase points ( XXXX UR points ) I used on a hotel stay I couldn't make because of the flight that was cancelled and the airline rerouted me making me unable to make it to the hotel. 

I have submitted all the documents required numerous times even after the claims agents have kept asking for the same documents I just provided. My claim was closed with no explanation last week, and when I called to check, the customer service agent was also confused on why it was closed and they said the claims agent would call me back. I received no call, and a week later, I find that my claim was closed again with no explanation. I am unable to speak to the agent who keeps closing my case and I don't know why they keep closing it after providing the necessary documents they need to provide proof that I used their credit card 's UR points for payment of the hotel. 

I believe that Chase 's features on their credit cards that use travel protections are fraudulent because their claims agents keep stringing along to prevent any kind of reimbursement to their customers.
Product: Checking or savings account

Funds arent able to get deposited from cash app to bank account
Product: Credit card or prepaid card

I have been trying to get capital one to send me a letter to send XXXX  to delete a credit inquiry from my report that I never authorized or have no knowledge. they keep sending me the same paperwork in the mail. I send back I been trying to take care of this since XX/XX/2019, capital one inquiry was made on XX/XX/2019. I have called over a dozen time never get any help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent sent equifax like XXXX times the identity. Theft like they ask me I have like XXXX inquiry I didnt do they ask me For an identity theft report an they received but they say there is a system a error To give sending them I have send it more than XXXX Times an they keep reporting those inquiry fraudulent on my account that is affecting my credit score I dont know what to do no more I have done everything with them an what they ask an still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/ Balance : {$200000.00}
Product: Mortgage

It's a lot of issues so I'll keep it short, I was diagnosed with XXXX XXXX XXXX XXXX in 2017, it has taken me 5 years now to finally finish treatment and I am now just starting back to work literally Monday, my husband had an auto body and paint buisness that shut down due to COVID-19 pandemic. We had used up all our resources and finally I'm starting work again and my husbands body shop has slowly started to get a few customers again, now after we thought we got a defer in payments on mortgage starting to resume on XX/XX/XXXX I get a notification from sheriff telling us to vacate by XXXX, I thought everything was going to be okay, I contacted Vanderbilt Mortgage and they want an amount to keep my home that I just don't have yet, I have to get a few paychecks in first and now I'm about to be XXXX after 17 years in the same job I got sick and I needed help and now I'm going to lose everything on top of what I've already lost has me guessing now why did I even seek treatment when I was sick, I don't know what to do, I just turned XXXX last month and I don't know if I have the strength left to start over anymore. The mortgage company is already charging me 12 % interest and I've already paid 10 years out of the 20 year loan and now I'm losing it. I can't even believe this I'm seriously thinking of ending everything because I can't take another loss on top of what I've already lost, my XXXX, my XXXX XXXX so technically I'm not even a woman anymore and I still can't even look at myself in a mirror and now my home, my credit, my teeth because XXXX destroyed those and I can't afford to fix them, I just want to lay down because I'm tired and I feel like an old work horse that is not wanted anymore. I've worked my entire life like a man to just lose everything I've earned, I've had to eat so much XXXX to get what little I have, I have worked myself into XXXX XXXX XXXX and countless XXXX XXXX and XXXX from the type of work I've had to do to just be told to leave my high interest over priced mobile home that's already falling in anyways, this is too much for me to handle. Life is not fair and I totally get that, however I'm absolutely disgusted with the entire situation that I'm literally XXXX XXXX daily, not sleeping, XXXX, and uncontrollably crying that I don't even know how I'm going to keep my new job because I can't even function at this point. I at least out of everything I have my XXXX acres of land paid off and it's mine, the mortgage company will have to remove trailer but still my credit is destroyed and what good is my land without a structure on it to live in. Sincerely... .. XXXX XXXX, and giving up ... Because I just am tired, I am so so tired of pushing that I have no push left in me.
Product: Credit card

I was looking into the recent announced Gold Card from Robinhood and found some the information & disclosures about the card to be somewhat misleading. Both the marketing materials ( found at https : //robinhood.com/creditcard/ ) and the actual fee disclosures for the ( found at https : //api.robinhood.com/creditcard/legal/interest-fees ) all claim that there is no annual fee, while their marketing materials make a note that the card requires an annual Robinhood Gold subscription to apply and maintain the card. Robinhood Gold costs $ XXXXmonth which would effectively make the annual fee {$60.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized & unrecognized inquiries on my credit reports 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

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a XXXX XXXX XXXX and this incorrect information is ruining the chances of saving XXXX XXXX. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX got a pre-approval for a personal line of credit and someone with ghost technology ( XXXX ) ran interference and had XXXX XXXX, XXXX, and store manager XXXX XXXX XXXX lie about pre-approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Other Closed {$0.00} Reported XX/XX/year> Other XXXX  Reported Date XX/XX/year> {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).