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

I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I moved from XXXX, XXXX  to XXXX, XXXX  in the era of COVID 19. So, this could be one of the exceptional cases that needs to be reconsidered ( help me to improve credit score ).

I paid as soon as I am notified about the pending bill working with hospital ( or medical provider ). Medical provider promised us that they will inform the collection agent and will not be reported. Looking at the records, I am not abusive user of my credit line and missed any medical payments.

I tried all possible ways to improve my credit score, like paying in advance, using within limits, having 3-4 credit cards, not closing any cards etc etc.

I worked with my financial institutions and cleared late payments and waived late payment fees long back when it happened because of several reasons. Worked with financial advisors to keep my credit score high. But, Still they are haunting me till date without a reason.

Attached lots of information. Still, I can provide necessary information, if you need any.

Please help to get my desired score honoring my history.!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a freeze and fraud alerts to be placed on my credit file due to potential identity theft. However, as of XX/XX/year>, I decided to remove all security measures, including locks, freezes, and fraud alerts, to allow access to my credit information. 

On XX/XX/year>, I contacted each major credit bureauEquifax, XXXX, and XXXXto formally request the removal of these security measures. Despite my request, the measures have not been removed, and the process has been delayed without clear communication from the companies involved. 

In response, I have called customer service, sent follow-up letters, and submitted online requests to address the issue. 

I am seeking assistance to ensure that these security measures are fully removed from my credit files so that authorized parties can access my credit information without restriction. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX  for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Product: Mortgage

Axos Bank failed to pay my homeowners insurance through the escrow account I have in a timely manner. As a result, I needed to pay a {$10.00} late fee to the insurance company, which I did. To obtain reimbursement from Axos Bank 's for the late payment I paid directly to the insurnace company, I contacted Axos Bank by phone and was told to submit my reimbursement request by email. Included in the email I sent to Axos was proof of the {$10.00} late fee being charged and me paying the late fee. At this time I still have not received reimbursement for the late fee and this issue began in XXXX XXXX. 

A similar issue occurred in XXXX when Axos Bank failed to pay my homeowners insurance in a timely manner. A late fee was not charged in XXXX, as I directly paid the insurance company prior to a late fee being assessed.
Product: Credit card

I recently applied for a Chase unlimited freedom credit card in the beginning of XXXX. The application was approved and also included a balance transfer of XXXX on the card. I was approved for the balance transfer however Chase has taken over a month to process this balance transfer which is still marked as pending. The Customer service credit card team has not been helpful whatsoever throughout this process telling me that they do not have an ability to escalate this issue. Not only is the balance transfer still pending but somehow the card services team has still incurred the charge on my card, preventing me from using the available line of credit even though a balance transfer has not been conducted by Chase. The balance transfer took so long that I decided to conduct the balance transfer with a different financial institution. I need Chase to cancel this balance transfer and theyre telling me theres nothing they can due until its been past 45 days beyond the balance transfer request. This entire experience with Chase has been incredibly inconvenient and the team needs to be accountable for incompetent customer service.
Product: Credit card

On XX/XX/XXXX I, the consumer applied to # XXXX XXXX for a XXXX XXXX XXXX XXXX in which # XXXX XXXX pulled my credit twice. Both of those consumer transactions I was denied. I am creditworthy, I tried to express that but was still denied. 
I checked my consumer report and seen that Santander Consumer USA Inc. had a hard inquiry which brought my credit score down by 3 points. I wrote a letter to Santander Consumer USA Inc. in which i told them I can not be denied credit because I am creditworthy. I also expressed that because my social security card was used due to the hard inquiries and there was no benefit on my end that could be classified as fraud. ( unauthorized use of a credit card ). I expressed that this caused me mental and physical distress because I have a one year old and we are going through a hardship. I told Santander Consumer USA Inc. that this is discrimination because the Truth In Lending Act and Consumer Law Does not say one can be denied cred only Insurance and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already told you, discrimination, at its worst,. I go in the bank withal these papers, jump thru all these hoops, over, and over again. Only to get turned down. If u do nothing, then I will just have to do it myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint about this account as it appears to be in paid status in XXXX with XXXX balance. XXXX XXXX ( reports derogatory in TransUnion and XXXX XXXX, the date last reported was on XX/XX/2021 the update might not be reported correctly. XXXX  XXXXthe status of this account is paid with XXXX balance on TransUnion and XXXX ( reports derogatory in XXXX ) the date last reported was on XX/XX/2021 the update might not be reported correctly. This affects my status to establish good credit. These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Product: Debt collection

Mid credit management has been handling my debt from an old XXXX. I was making consistent payments to them when I experienced a personal emergency. I called to turn off payments for a short time. This is when the threats started. The agent told me in harsh tones that I could be sued, my credit would be destroyed, that I should not stop these payments. But I had no other option. Now this company is calling my family members telling them that they are looking for me in a civil suit that I am being sued. They are sharing information with family and friends, and using unfair or illegal practices to try and get the funds collected. At this point I don't want to deal with this company at all.
Product: Debt collection

As of XX/XX/25 SEQUIUM ASSET SOLUTION has been reporting negatively on my credit report for {$170.00} due to XXXX . This is not a debt, this was PAID IN FULL directly to the company. ( I have a confirmation number )
Product: Checking or savings account

I dont understand Citibanks overdraft system. It is very misleading. I log in to my account and I see my account being negative with pending transactions. I immediately make a deposit and I still get charged fees. I have been charged 3 or more fees because of this. My end of day balance never goes negative. The transactions that come in are pending. Why would I still be charged a fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Honda Financial regarding a disputed Past Due Payment of XX/XX/XXXX, on XX/XX/XXXX. I confirmed with HF that they sent the report to XXXX  on XX/XX/XXXX. In the letter attached, it clearly states that HF is removing the Past Due from my account and updating it as PAID AS AGREED, cleared of any delinquencies and supplied an AUD confirmation number ( XXXX ), as well as 2 other AUD # 's over the phone ; XXXX & XXXX ) to reference when speaking with the credit bureaus. On XX/XX/XXXX, I received information from my experian.com account that my credit report updated and showed no discrepancies with any of my accounts and my credit score jumped over 104 points! I proceeded to apply for a mortgage refinance and found out after they ran my credit report that XXXX  and XXXX  were reporting very low scores and was advised to contact both regarding the discrepancies that were still being reported. I called XXXX  on XX/XX/XXXX and referenced the AUD # 's. They would not confirm the AUD # 's nor would they answer any questions regarding adjustments, only that Honda Financial did not send them any information to clear up my records. I went on for 6 1/2 hours going back and forth with HF and XXXX! Both blaming the other in what they needed to do in order to adjust my credit score/report. My cellphone has a record of more than 15 calls totalling up to 10 hours wasted. Today, XX/XX/XXXX I was provided an AUD # XXXX from an agent with Honda Financial. I was told it was created yesterday after my multiple conversations with them and it was confirmed being sent to XXXX  today. The agent informed me to reference this number when I called XXXX. Again, once I spoke with the agent from XXXX, he would not accept, confirm or deny the AUD # and continued to direct me to contact Honda Financial to send an update to remove the discrepancies on my account. I don't know who to believe or what they are telling me is even accurate. Simply, I am caught in the middle and feeling helpless to find any resolve from either company, all the while, we are still being held back by both companies not being able to take advantage of the low mortgage interest rates and removing any financial strains of debt during this horrible pandemic and failing economy. PLEASE HELP!!!
Product: Debt collection

On XX/XX/XXXX I check my XXXX credit report, and I noticed that there were a negative mark. This negative mark were due to a debt from XX/XX/XXXX, that I have never ever been notified off. I was not given my fair share of the law, this debt has caused my credit score to drop 32 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous company was issued a merchant cash advance by Loanme in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that Loanme is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from Loanme, and it clearly has no signature in the personal guarantee section. When disputed with Loanme, their response was that since it is allegedly an electronic signature, it won't show up on the contract.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XX/XX/year> Late Payment XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Product: Debt collection

Hello so I am being charged for a XXXX bill for phones I bought around XXXX for {$460.00}. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.I have no job due to Covid-19. I am barely able to pay for my bills as it is.
Product: Student loan

MY student loan was took out in XX/XX/1999 and consolidated in XX/XX/2012 but the interest keeps growing and growing with no end in sight- I was supposedly in a public service forgiveness program from XX/XX/2012-XX/XX/2017 in which I had to get out of the military with an involuntary honorable discharge. There is no way to track how many payments were considered under that program and while I am paying an income based payment my interest is not being covered so the balance has been climbing and climbing. What can I do?
Product: Credit card

XX/XX/2023 two girls came to offer shampoo carpet, told them I did not have carpet only area rug they insisted, they lied they were selling XXXX vacuum cleaner I told them I did not need the expensive machine I did not need it. The girl said she could not leave without selling the machine. I felt cornered I'm XXXX XXXX XXXX she told me I could pay {$200.00} down payment and the rest 24 months financed for XXXX a month she never finance I have the blank paper. I contacted Synchrony Bank with in 3 days of the incident. I was a fool gave the card and she charged the total amount not {$200.00} I told her to correct the amount. she said she was going to the office to reverse the charge. She never did was never able to contact her. She never gave me a telephone number Synchrony Bank has ignored me. Synchrony Bank is also a fraud, they don't care what happened to me my husband went to the business place and was lucky to find another girl at the place and dropped the machine he asked for a receipt and the girl said she would get her boss call my husband never did. We contacted Synchrony Bank and told them we had returned the machine and they are still making me pay the amount. The place of business is no longer there. The machine is XXXX. I needed these girls to leave my house later was going to contact the credit company and report theses girls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two e-mails from MPOWER Customers namely : 1. MPOWER Customer Success Team on Thu, XX/XX/XXXX Subject : We are sorry, your loan application was not approved Thank you for considering MPOWER Financing for your student loan needs. We have carefully reviewed your application. Unfortunately, we are unable to grant your request at this time for a full or partial amount. 
2. MPOWER Customer Relations Team on Fri, XX/XX/XXXX Subject : Upload Your Documents for a Final Loan Decision Congratulations! You've successfully started your document submission for your conditionally approved loan application. All we need to make a final loan decision are these documents, and you're almost done : One reference and completion of the introductory quiz on student financing The reason for refusal is Delinquent past or present credit obligations with others. 
I need clarity from the consumer reporting agency ( or agencies ) listed in the attached letter that may have provided information that may have in whole or in part influenced the decision. 
Kindly advise as I am confused about the decision on my status for the MPOWER loan.
Product: Credit card

Had the parking garage wrongly that charge my card for parking that was supposed included in the rent. The leasing office confirmed this was the case but had to deal with the charge myself because it was a 3rd party. They never responded to a single email and dont answer the phone. I dispute the charge and explained the situation and that I need the charge disputed.

Then I get a call 4 weeks later saying they didnt start investing and that they refuse to contact the merchant because they felt my proof my insufficient. They want a receipt. A receipt for what? A transaction that didnt place. The entire they tried to transfer me to someone else before just hanging up me outright. This is the last time I used chase for anything. They offer no purchase protection. Their dispute department is intentionally rude and that dont care at all about the customers. 

Last time I made a report some guy with a staticky phone, probbally intentionally, asked me to email documents to an email that didnt exist before never following up on it again and no way to call them back. I expect this to be the same. Ive banked with chase since XXXX. XXXX never using their services again. 

If you have a chase on file with someone be careful they dont accidentally charge you for something because their dispute team will do nothing but waste your time before hanging up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Who it XXXX concern, This is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting for information to deleted.

15 USC 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681- ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Remove accounts immediately or I will follow up with an invoice of several violations. 

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 signed up for credit reporting through XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. I moved from this community on or about XX/XX/XXXX. 

My opt-in for credit reporting was an effort to positively improve and re-build my score and/or eke my way to appearing more creditworthy before purchasing my future forever home as well as positively affect other chances for other opportunities that would be afforded me as creditors, employers, etc. weigh heavily on this. 

For sveral years I paid on this account on time and in full to build a positive credit history with my apartment community and opted-in for that very reason. 

I recently got a letter from Transunion that states they've absconded the " Satisfactory Account '' tradelines from my credit report. 

This was done without my consent, contest, inquiry, or knowledge. 

The tradelines postive nature would have afforded me a better chance of becoming a homeowner in spite of the XXXX XXXX and 1 repossession that I'm currently disputing for bad reporting not following the FCRA guidelines and truth in lending. It may not seemed much but it has made me appear in a more formidable, positive light to a number of other businesses that reference this to determine what kind of tenant or buyer I'd be. 

The Satisfactory Payments from this account was directly considered and the sole reason I was able to move out of the apartment community I'd been in since about XX/XX/XXXX into a home on XX/XX/XXXX by demonstrating to the XXXX I'd successfully pay timely rent because it shown on my my Transunion credit report from my move-in date to move-out date! 

I was told by Transunion call center XXXX that my address has not been updated to the current XXXX but Transunion mailed documents to my current address?! 

I was told there were some extraneous steps I'd have to take to have this rectified that would be considered undue hardship and time consuming and may take several weeks to resolve through snail mail correspondence if I had further disputes to address. 
Transunion mailed my documents to my current address but say they don't have it on file and added further hardship to an otherwise easily available solution that is afforded to similarly situated individuals as myself. 

I'm attaching the documents from Transunion as well as the letter stating they removed the tradelines from my credit report. I need them to be put back on my credit report and Transunion said that the reporting agent must follow some esoteric steps to restore it by contacting Transunion directly in order to put them back but Transunion had no right, cause, provocation, or reason to remove any positive information from my credit report at all nor did I authorize or question, at any time, my few " Satisfactory '' tradelines.