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

I have followed all the required steps to dispute these accounts. I contacted the companies involved, and they assured me the issue was resolved. I filed a report with a law enforcement agency, which confirmed the validity of the identity theft report. Additionally, I contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as legally required. 

However, for some inexplicable reason, Equifax claims I haven't followed all the necessary steps. Despite submitting my claim to Equifax, I keep receiving the same unhelpful response, alleging that the documents I provided are not valid. 

I urge the CFPB to closely examine this case, as it appears that Equifax is failing to meet its legal obligation to process the identity theft report. The FTC, a federal law enforcement agency, has validated my report. This matter needs to be handled properly. The distress caused by this identity theft and my inability to access my credit is creating significant emotional and physical strain, affecting both my professional and personal life. I am at my wit 's end and have no other recourse. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I paid for all my hospital bill. I had autopay and Ive checked my bank statements and it was taken each month out of my bank. I got a letter saying from debt collector that I owe {$970.00}, but I never got a bill from XXXX  XXXX XXXX that I still owe.
Product: Money transfer, virtual currency, or money service

I am filling a complainant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.
Product: Checking or savings account

I received a refund from the merchant XXXX  for XXXX. I contacted the merchants bank and it cleared as of yesterday. XXXX XXXX XXXX placed the credit back into my account but then charged my account a " Merchant Credit Hold for Review. '' in the exact amount of the credit that cleared. I feel this hold was unnecessary and causes me unjust finical strain. The transaction has been completed by the merchants bank and the hold is entirely XXXX XXXX XXXX. I feel I am due interest for each day XXXX XXXX withholds my XXXX of my balance from me. The hold on my account is for the exact amount of the credit.
Product: Money transfer, virtual currency, or money service

I was  sent a wire transfer to my business account for my business services. Everything was cleared after 24 hours of being sent to me.     Bank o  f America had no complaints or issues from when it happened. On last week, my business account was frozen and eventually closed because of the wire transfer. I was n't responsible for the wire transfer at all. I am responsible for my personal funds that were in the account before the account was closed. Bank of America has n't released my funds, they have escalated my issue to a variety of different departments. In addition, i have had a variety of verifiable Bank of America representativ es.
Product: Credit card or prepaid card

saw XXXX  charge in pending transactions. Was told could not challenge until posted. 
Called back when posted. Was deleted than reposted XXXX times. Reposted again then charged late fee for non payment plus interest.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. Specifically, I recently ( XX/XX/year> ) applied for pre-approval for a credit card through XXXX. The application clearly stated that checking for pre-approval would have no harm to my credit score, as advertised on their website. However, a hard inquiry was still placed on my credit report, which I did not authorize.

Additionally, I have noticed other hard inquiries on my credit report that I do not recognize or recall authorizing. These inquiries are negatively impacting my credit score, and I request their immediate removal.

I kindly ask for the CFPBs assistance in investigating this matter and ensuring that any unauthorized hard inquiries are removed from my credit report. Please let me know if any further information or documentation is required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts have violated my rights according to the frca and these accounts are inaccurate. Also I ask for these account to be remove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and XXXX have ignored me.
Product: Credit reporting or other personal consumer reports

My credit report has items that have resulted from fraud which I never benefitted from. I do not recognize these nor given consent or authorization. I have reported them to the federal trade commission but they are not removed from my report. It is stressing me out and making me anxious on why and how this happened.
Product: Payday loan, title loan, personal loan, or advance loan

Tried to make arrangements on lowering my initial payment but they refused to, then tried to put some payments on the back end they refused to, no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, XXXX or XXXX XXXX XXXXXXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA5 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Name of Accounts : XXXX XXXX XXXX XXXXXXXX Account Numbers : XXXX Name of Accounts : XXXX, XXXX Account Numbers : XXXX Name of Accounts : XXXX, XXXX Account Numbers : XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting

I contacted TransUnion after receiving documentation from XXXX that they have removed their listing from my credit file after their investigation. XXXX is the owner of the XXXX/XXXX Account. I contacted Transunion and advised them of this and provided documentation and requested that the XXXX/XXXX account be removed from my credit file. When XXXX/XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. I then spoke with the Special Handling department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX but they are refusing to remove XXXX/XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing as I was told by XXXX a special handling supervisor on a recorded line that that was sufficient and he could get it taken care of in a day and then later did not remove it. This account is too old to be going through all this confusion.
Product: Debt collection

I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. Please remove and delete this inquiry from my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, XXXX  and Experian. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Product: Credit card

I paid my balance off in full on XX/XX/year>, prior to the closing of monthly statement on XX/XX/year>. I was told the statement closes on XX/XX/XXXX, but actually closes on XX/XX/XXXX. Despite having paid it in full prior to the close of the statement, they are charging me interest in the amount of {$150.00}. I have called numerous times and requested the policy by which this is permitted and I am repeatedly told they had to see I am making monthly payments and that I had to pay in full prior to XX/XX/XXXX, which I clearly did. They will not take the charge off the account and told me I have to pay it. They hung up on me when I repeatedly asked for information on how this is permissible and their policy that directs it. My payment is due on the XXXX and they say I have to pay it, despite me not receiving anything that permits them to charge interest after it is paid in full. 

My statements have only ever said APR on the bottom and have never reflected an interest on balances that do not exist or would otherwise make me responsible for interest accruing despite me having paid in full. 

Additionally, the terms outlined in the statement demonstrate that " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month. '' Therefore, if the due closes at least 23 days after the closing of the billing cycle, which i was told was the XXXX of the month. I paid before XX/XX/XXXX and therefore, by their own terms they can not charge me interest when paid in full pursuant to their own terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep allowing XXXX collections to report false information even though I sent them proof several times they're in violation of the Fair Credit Reporting. Does not show on XXXX or XXXX
Product: Money transfer, virtual currency, or money service

My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX
Product: Debt collection

Ive spoke to 4 employees with the company " Valor Intelligent Services '' asking to speak with superbvisor conceerning their repeated calls yet to no avail. I get lied top and lied to.
Product: Debt collection

XXXX XXXX XXXX IS THE NAME OF THE COMPANY, I WAS TOLD MY LAST PAYMENT WAS XXXX AND I PAID IT, NOW THEY SAYING IT WAS XXXX DOLLARS, AND THIER IS A XXXX DOLLARS LATE CHARGE, I TOLD THEM WHAT I PAID CAME FROM YOU GUYS TELLING ME THAT, AFTER THAT THEY CALL ABOUT 3 TIME A DAY TRYING TO COLLECT, I TOLD THEM AND EMAIL A STOP CALL LETTER BUT THEY SAID SINCE I OWE A DEBT THEY GOING TO KEEP CALLING
Product: Vehicle loan or lease

I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX   or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.
Product: Credit card or prepaid card

On or about XX/XX/2021, Barclays closed my Account No. XXXX. On XX/XX/2021, I called Barclays to get my reward balance of {$32.00}. Barclays refused by imposing minimum redemption requirement of {$50.00}. 

Barclays chose to close the account for non-activity ; I should not be forced to use my credit cards if I do not want to!! Furthermore, it is unfair for a financial institution to impose the minimum redemption requirement on a customer, especially on the purchased that were made months or a year ago and rewards were fully earned.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

Three account need to be removed as i pulled uo my credit report. 
The following : Capitol One account number ending XXXX XXXX XXXX  account ending XXXX XXXX XXXX for XXXX My full name is XXXX XXXX XXXX and my one and only address is attached below.
Product: Debt collection

Wells Fargo banking had a lawsuit and did not notify me for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX ARE UNVERIFIED. 

Experian has not provided proof of physical verification of the original signed consumer contract its has on file pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

Experian HAS NOT PROVIDED METHOD OF  VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.