23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a consumer, natural person, and the original creditor. American Express received EFTs from my fund fraudulenty without my written consent and also failed to send me the proper disclosures for the transfers that total in the amount of XXXX. They attempted to collect debts from me and the grossly and negligently continue to violate my federal rights. I requested verification/ validation on those transfers, debits, and creditor information which they continuously deny me the right to. I spoke with a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX. All of those people I just name violated my rights and refused to send me the requested verification to my email. I requested the last XXXX of the written history on my account be sent to my email in which the refused. I am demanding repayment, return credits, and remittances pursuit to but not limited to Regulation E, B, and Z. I am demanding immediate resolution as there have been multiple disputes opened up with American Express in regards to my credit cards without resolve. I have been on the phone with them since XXXX today and I have been hung up on, refused, violated, deceived, lied to, and stolen from and I demand a remedy NOW!!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

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

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

To whom i may concern. Capitol one has not reported to XXXX since XXXX. However on the other hand XXXX is blaming Capitol one for the information. I have since made calls on XX/XX/year> to XXXX and calls to Capitol one on XX/XX/year>.
Product: Credit card or prepaid card

I noticed a {$4.00} transaction from XXXX XXXX pending on my bill on XX/XX/2020. I called Chase at XXXX. After being disconnected on the first call I waited 20 minutes on the next call. Once I reached someone with Chase, the operator told me to call the company that scammed me. Chase provided the phone number of XXXX. When I called the scammer, a foreigner, he wanted more information from me so that he would credit my credit card. He told me I had ordered some kind of membership that was advertised on TV. I told him that I did not. He asked for my last name and zip code and said he would credit my card within 2 days. I reluctantly provided this information. My credit card has not been credited as on XX/XX/2020. I tried calling Chase again on XX/XX/2020, and the recording said it was a 50 minute wait. The recording suggested going to Chase.com. I did go to chase.com and tried to dispute the charge. It then said I had to call XXXX to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion multiple times disputing incorrect items on my consumer report and each time i disputed they have not responded and just updated these items as verified without send the method of verification or validation. I have also sent Transunion multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel like my rights are being violated and that Transunion is not following the law when it comes to my consumer report. Transunion has assumed a role and without my written permission that have been adding things to my consumer report. I never gave Transunion my consent to have my information or to share my information. Transunion has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXT -, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have also sent Transunion dispute regarding unknown fraudulent inquiries on my consumer report. These are the inquiries XXXX XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXXL - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFPB about Equifax on XXXX. I sent all relevant information through CFPB website and equifax received it including a certified letter reciept. They continue to send the same letters over and over even though they have all my identifying information requested. They are still refusing to dispute my information on credit report, which is starting to effect my life on so many levels.
Product: Credit card

This account was on auto pay since I had the account. And it was automatically paid every single month from my debit card, and they changed servicers to community from XXXX XXXX, and this was a during a time when I was sick with XXXX and not working on XXXX XXXXXXXX for over XXXX XXXX. I called them many times asking them to give me the account number over the phone and they refused. They said they could only mail it. So I ended up asking them to mail it over and over because I never saw it come in the mail. They wanted to charge me to make a payment with them over the phone. This is very difficult because I was so sick I was out of it and well enough to call them repeatedly. Keep in mind that they had removed my debit card that was paying it each month. I ended up getting behind and they charged me all these fees and their fees are very high. ALSO, during this very bad time for me, I missed out on all the promotions that I had with them and I normally pay them off before they charge me interest but I couldn't because I was so sick and only earning a fraction of my normal salary with XXXX XXXX XXXXXXXX.
Product: Debt collection

I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, Inc. is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX XXXXXXXX  on XX/XX/XXXX, a credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX, an installment loan account opened with XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a mobile phone account opened with XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and a hard inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or any of the hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Hello, The letter below is a copy of my Official Notice to XXXX XXXX. 
I am simply applying the laws that congress has in place and Demanding Remedy for the damages and causing substantial harm to me causing me to be at risk of losing my apt and in an actual eviction Should you want to look at their reviews on XXXX you will see XXXX reviews of how they are violating the consumers rights with deceptive and misleading practices causing harm/injury to many other individuals. This letter is to address the cfpb to investigate and demand they cease all collections and any further debt collection Affidavit of Rescission I, ( XXXX XXXX XXXX ) consumer natural ( woman or man ). I, ( XXXX XXXX XXXX ) current principal dwelling ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I, ( XXXX XXXX ), swear that the information in my sworn statement is the truth to the best of my knowledge. 



I, ( XXXX XXXX ) hereby exercise my right to rescind this auto loan agreement. ( XXXX XXXX ) Located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. The consummation of this XXXX XXXX agreement took place ( XX/XX/2020 ). There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635 I was not giving full disclosure of all the terms in the Auto Loan agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within XXXX days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation. 

I, ( XXXX XXXX ) once again swear that the information in my sworn statement above is a complete representation of my knowledge. 

Thanks for giving this your prompted attention! 

ALL PAYMENT REIMBURSEMENT SHALL BE MADE BY CHECK PAYABLE TO : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices. Cash app failed to prevent and also address fraud leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report I noticed that there is a Victoria 's Secret account from 2014 that does not belong to me. I disputed this account with the credit bureaus and it came back verified. It is my right to conduct a direct dispute with Comenity/Victoria 's Secret under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file. I have no knowledge of this account and it is currently reporting as a charged off debt and is preventing me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent Letters to XXXX, Equifax, and XXXX. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from XXXX confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX are both reporting this accurately but Experian continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what Experian is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.
Product: Credit reporting or other personal consumer reports

Experian is alleging your verified the information as accurate how are you verifying information that not present
Product: Credit reporting or other personal consumer reports

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below.

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act. 

I appreciate your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do it
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.
Product: Payday loan, title loan, or personal loan

I am paying 213 % interest on a {$2000.00} loan Ive paid over {$7000.00} on this loan and had automated payment set up. They changed were the money would be sent without notifying me and every time I call to speak to them about it nobody seems to have any information.
Product: Credit reporting

In checking XXXX XXXX, there were XXXX inquiries on my XXXX credit report that I believe should not be there. I have contacted XXXX, via certified letter and approximately XXXX telephone calls. These communications date back to XXXX XXXX, 2016. 
The outcome from Equifax on all means of communication was that those are factual information being reported, they would not removed them, and I need to contact the companies. I asked for a supervisor and they would not transfer me, rather chose to be argumentative and hang up on me. 
With the advise from the Equifax representatives, on XXXX XXXX, 2016, I contacted the XXXX companies ( XXXX XXXX, XXXX and XXXX ) via certified letter. The outcome from all three of the companies is that they are promotional inquiries and they would not be removed. 
Today XXXX, I again phoned Equifax wherein they once again refused to delete them or transfer me to a supervisor. Although, this time the representative advised that the pulls were actually hard pulls rather than promotional and they have effected my credit rating. 
I am seeking your assistance in having them taken off my report. Should you need copies of my documentation, I will certainly provide the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  had opened an account under my name I reported/disputed it to XXXX, XXXX XX/XX/year> I received Report # XXXX that the information was verified as accurate. 
I was a victim of data breach at XXXX. They gave us access to XXXX XXXX XXXX. I received an alert from XXXX in regards to the XXXX XXXX XXXX XXXX  credit card. I then started the process to report the card as a fraudulent dispute with XXXX XXXX XXXX XXXX, the three credit bureaus and XXXX. 

Now I need a report from your agency to continue the investigation as fraud.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile.

Details of the hard inquiry : - Inquiry Date : XX/XX/2022 - Company Name : XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation :

1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5.
Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive asked speedy cash loans multiple times to work with me and also stop reporting negative information to XXXX. Also Ive asked the US department of education to help me with their account and stop reporting information that is an account older than 7 years
Product: Mortgage

Recently I had faced 2 issues that were handled by rocket mortgage in a dishonest way. 

XXXX ) They used one of the XXXX loan terms to their advantage. The change of interest rate by XXXX at their XXXX meeting was not promptly applied to the line of credit. Not only they waited for more than a whole month, but they did it with malice intent. They anticipated the lower rate coming and they pushed or shifted the billing cycle later and later over XXXX month period to their advantage. They even charged for 32 day interest month so that the lower rate would be delayed beyond normal billing cycle. Why cant they stick to billing cycle that is either between first to last day of the month or ( if they need to have it mid-month then ) it start from XXXX of the month to the XXXX of the month to avoid any incentive to manipulate it to their advantage? 

XXXX ) I have been trying to payoff principle but on 2 occasions they applied it incorrectly ( against my instructions ) and applied towards a future already scheduled automated payment which was still due 20 days away! On the second occasion they took my principal payment and applied to even further away future months schedule automated payment ( due date away about 50 days! ).

They not only taken away my grace period in the first occasion and in the second occasion purposely applied it incorrectly & also not actually knowing what the exact amount ( HELOC are interest only payments based on changing rate and paid separate principal ) ) would be for the future month, this much in advance with rate change happening or expected soon and not applying principal amount already paid earlier!
Product: Debt collection

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, a company called ProCo, representing the University of XXXX  XXXX XXXX XXXX, stated that I had a balance due on an emergency room visit of {$1100.00} and then {$280.00} after my insurance carrier, Tricare, paid their portion. I paid {$280.00} via credit card to the XXXX XXXX XXXX billing department on XXXX XX/XX/XXXX with a confirmation number of XXXX. I received a letter dated XXXX XX/XX/XXXX from a Windham Professionals stating I owe {$280.00} to the University of XXXX  XXXX XXXX, of which the XXXX XXXX XXXX XXXX under. I was told by the representative when I paid the {$280.00} on XXXX XX/XX/XXXX that I had no further outstanding balance with XXXX XXXX XXXX XXXX. 

This hospital has ruined my credit and hinder my ability to provide for my children as I'm a XXXX XXXX military veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened 4 disputes with Equifax about wrong late payment with my XXXX account. 
All other bureaus do not report these late payments. I have contacted XXXX credit bureau and they resent the correct information to Equifax at least 2-3 times. 
Equifax does not seem to care to properly check what was sent to them Last report sent from XXXX to equifax was on XX/XX/2019.