23daVinci/CFPB_Complaints huggingface dataset:
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, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). 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 by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: Debt collection

On XX/XX/XXXXmy car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with Next step funding and the company that is collecting is XXXX XXXX. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.
Product: Money transfer, virtual currency, or money service

XX/XX/2020I sent XXXX XXXX XXXX for a pair of shoes that has never gotten to me. I made this transaction through cash app.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and NSF fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> # XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request Dear Experian Dispute Resolution Team, I am writing to formally request that Experian immediately cease and desist from reporting inaccurate information on my credit report, unauthorized access to my credit file The specific issue pertains to [ describe the issuee.g., " the inclusion of inaccurate information related to [ specific account/creditor ] '' or " unauthorized inquiries made on my credit file by [ specific entity ] '' ]. 

Despite my prior attempts to resolve this matter, [ briefly explain previous steps taken, e.g., " I submitted disputes on [ date ], which remain unresolved '' or " I have received no satisfactory resolution to this issue '' ]. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, you are obligated to ensure the accuracy of the information you report and take immediate corrective actions when errors are brought to your attention. Continuing to report or facilitate the dissemination of inaccurate or unauthorized information may constitute a violation of federal law and subject Experian to potential liability.

This letter serves as formal notice that you must take the following actions : Cease and desist from specific actions, reporting or " sharing my credit information without proper authorization ''. 
Provide written confirmation of the corrective actions taken within 30 days of receiving this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to complaint XXXX and previous complaints this year. 

Around XXXX, after another unsuccessful attempt to log on to myEquifax and emailing Equifax twice with no response back, I followed their instructions per the Equifax website and contacted them via mail and stated " ... my request is for access to myEquifax and for a copy of my credit report ''. I included all details and documentation that Equifax required at that time. 

Four weeks passed without a response to my mail. 

On XXXX I filed a complaint with CFPB because I had no response from Equifax and stated this about about fair resolution - " Provide me access to myEquifax so that I can manage my freeze and send copy of my report ''. 

On XXXX CFPB notified me of the company 's response which was " please visit us at www.myEquifax.com ''. 

On XXXX my feedback via CFPB was that my issue of XXXX was not fixed. I reported that I couldn't access myEquifax and the Equifax response was to use myEquifax! 

Presumably as a result of my mail to Equifax on XXXX, when in addition to requesting access to myEquifax I requested a copy of my credit report, I did receive a copy of my credit report from Equifax. This mail was postmarked XXXX. 

I received a second mailing from Equifax postmarked XXXX. This mail states " We got your request to add a freeze to your child 's credit file ''. I never made such a request. I received no response from Equifax on my request for myEquifax access. 

On XXXX I attempted to log in to myEquifax again. I provided information for account recovery and the website responded " no account found ''. I went through the process to set up an account and the website responded " you have an existing account '' and said to click the forgot password link ; there was/is no link. A contact phone, XXXX, was listed with hours of XXXX M-F XXXX. 

On XXXX I contacted XXXX. I used selection 5 fof myEquifax  and provided mobile number, SSN, Adress #, zip code. Then I was questioned about items on my credit report, which I answered from my latest report, that included questions on retail credit, bank card, auto loan, and payment. The automated system responded that it was unable to help but I was able to get through to an agent named XXXX at XXXX. When I stated that I need assistance for myEquifax she said I needed to fax or mail a copy of my driver 's license, social secuirty card and a letter. I stated that I had sent a letter with the information that Equifax requested as of XXXX on XXXX and that I received a response postmarked XXXX that did not address the myEquifax issue. The agent stated she was unable to do any thing further. 

I am compiling documentation so that if I can't resolve this issue which has persisted for 9 months I can present it to my elected officals at the state and federal level and that I can contact my state 's CFPB counterpart.
Product: Debt collection

Dear Mr.or Madam : I did complain but i think i did not explain. Here is what happen the company portfolio recovery associates bought the debt from XXXX XXXX. So i told them i paid to XXXX XXXX  XXXX. but they do not believe. I sent the check copies they say is not enough. This is why i want complain to XXXX XXXX XXXX. ( XXXX XXXX  ) thank you.
Product: Credit card

Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to XXXX  68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

My former cell phone provider XXXX was sent a tender of payment according to UCC 3-603/3-311 for the complete amount of the remaining balance. This debt contained a conspicuous statement with regard to what was to be expected upon redeeming the tender of payment. This tender of payment was not dishonored or even sent back as refused, but redeemed instead. After this I started to receive threatening harassing letters from XXXX prompting a FCC complaint being filed. This complaint went unanswered. After this upon looking at my consumer report I noticed a 3rd party debt collector who I have never had a contract with for service or goods who does not have permissible purpose, had appeared on my consumer report claiming I owe them a debt. Now all this was done without even giving me a chance to have debt validation. I recently had a death in my family ( my father ) and I am in a healing process as I speak, and for this 3rd party debt collector to with malice and prejudice steal my personal non- public information without permissible purpose identity theft and fraud. Further by this 3rd party debt collector doing this has caused also injury to me and family by my consumer report dropping to a very dangerous level causing me to get declined for other consumer transactions. All the information is not accurate and false on my consumer report and has been illegally used and put on my consumer report without permissible purpose and my express written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE.THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT FILE. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I sent dispute letters out more than 14 days ago and have not received any credit report updates, nor have I seen any changes to my report. I believe the information on the account with " XXXX XXXX '' to be incorrect. 

Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX  THE SUPERVISOR OF EQUIFAX ON XX/XX/year> AT XXXX XXXX EST. 

PUT THE COLLECTION ACCOUNT BACK ON MY CREDIT REPORT THAT WAS SHOWING AS XXXX XXXX XXXX  AS AN ACT OF RETILIATION. 
SHE ALSO CHANGED THE DATES OF THIS ACCOUNT WHICH ARE FRAUDLENT. 

IN ADDITION, XXXX IS NOT FOLLOWING THE NEW LAW THAT CFBP HAS PUT INTO PLACE THAT NO MEDICAL BILLS ARE TO BE SHOWN ON A CREDIT REPORT ( RULE V ) OF CFPB.

REMOVE OR GET SUED AND WILL BE FILING CORPORATE COMPLAINT WITH EQUIFAX XXXX IS COMMITTING FRAUDLENT REPORTING
Product: Checking or savings account

Someone, somehow accessed my bank account and withdrew XXXX dollars. Chase Bank has refused to refund it and I have tried to contact them to no avail. I'd like the camera footage pulled from the ATM accessed to illegally withdraw my XXXX dollars on XX/XX/2020.
Product: Checking or savings account

On XX/XX/year> I had a direct deposit of {$400.00} I won from an online casino. Cash app failed my direct deposit and locked my card and wouldnt unlock it until I verified my address and then I would get my deposit they said. So that happened and then they told me while my card was locked they sent my deposit back to the originator which is not true because Ive been in contact the whole time and they even gave me tracking numbers. I asked cash app to send me tracking numbers and they closed my case saying they have no more information. This has been an ongoing back and fourth for 1 year alrwady
Product: Credit reporting, credit repair services, or other personal consumer reports

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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 seven years.

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 that the information is inaccurate. 

accounts to delete immediately : 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since starting repayment have made several attempts to call Mohela and still unable to get through after long wait times and calls will drop. Only answer I got was from filing complaint with XXXX Attorney General Office.
Product: Credit card

I asked Chase for a Liquidation  plan to settle my credit card with them. They offered me unfavorable terms and unfavorable payment options. I am asking the executive office to review more options that would be feasible to all invovled mutually.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Debt collection

I closed and account with XXXX XXXX when I moved to a new address in 2021. I made sure that the contract was completed, i talked to the company over the phone and made arrangements to return their equipment. I specifically asked and made sure that no money was owed. Approximately 6 months afterward I get a call from a collection agency and I told them the situation. The account went to collections and it has negatively affected my credit. I tried applying for a loan at my bank and was denied because of the collection. The amount I owe is {$100.00} which I could easily pay but I have refused because I don't feel it's fair to have to pay for something I know I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to XXXX and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more Copyright XXXX XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX XXXX XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.