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

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXXXXXX XXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXXXXXX Account # XXXX
Product: Consumer Loan

XXXX XXXX ( my former boyfriend ) had an auto loan through Ally Auto. I have made all of the payments and have a notarized document statement indicating title of the vehicle XXXX purchased will be transferred into my name once the loan was paid in full. The vehicle we purchased was in an auto accident on XX/XX/XXXX, resulting in the loan being paid off in full in XXXX. XXXX and I have made multiple attempts to request Ally Auto to send a lien release letter or card but the only thing they have sent is a letter confirming loan being paid in full. The MN Dept. of Motor Vehicle will not allow the car title to be transferred into my name until we provide them with supporting documentation of lien being released. I am attaching a copy of the letter Ally Auto sent us on XXXX XXXX, indicating our loan being paid in full. Could you please help XXXX and I with getting a lien release from Ally Auto?
Product: Credit reporting or other personal consumer reports

ASKED FOR THE METHOD OF VERIFICATION 2 TIMES AND HAVE NOT RECIEVED A RESPONSE FROM YOUR COMPANY. UNDER THE FCRA YOU ARE REQUIRED TO DO THIS IF REQUESTED BY ME. SINCE YOU HAVE PASSED THE 15 DAY MARK WITH NO RESPONSE YOU HAVE VIOLATED THE FCRA WITH WILLFUL NON-COMPLIANCE AND I WILL IMMEDIATELTY BE SEEKING REMEDY FOR THE ACCOUNTS STILL REPORTING ON MY CONSUMER REPORT. ( XXXX ACCOUNTS TO BE DLETED )
Product: Checking or savings account

In XXXX of 2024 chime closed my account with a remaining balance of {$1000.00} left in my account. Before they closed my account I transferred my money to my main bank account, chime sent it back because they said the bank account was fraudulent. I have previously sent money to that account before and never had that issue. It is now XX/XX/year> and I have still yet received my check. I have lost my previous apartment, and had become homeless for months due to this. Also due to not receiving my check on time I have lost all assistance I was receiving to help assist me pay my bills. I had lost my car and everything due to not receiving my check. I am now in my new home and cant work due to just having a newborn and my lights are off. I could use those funds to pay my light bill. I have a home and cant even go to it because I have no lights in the summer time.
Product: Credit reporting or other personal consumer reports

I have several fraudulent inquiries that are a result of identity theft. My credit report shall be fair and accurate and this is identity theft. I do not recognize any of these companies and I demand they be deleted off my credit report immediately. 
FRAUDLENT INQUIRIES Transunion : 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act ( SXXXX XXXX XXXX XXXX Account # XXXX ), ( XXXX  Account 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: Credit card or prepaid card

XX/XX/2020 Bank lobby closed due to COVID-19, waited three hours to make credit card payment ( plus did not recive statement ). One long line, two tellers working " one '' window. The teller failed to say your payment is or are aware that you minimum payment due is? After making a payment, a few days later I received an alert that a {$260.00} payment is past due. Around XX/XX/2020, I called Capital One Customer Service ( twice ) each time requesting to speak w/a supervisor to no avail but instead received business closed due COVID-19 lecture and must keep workers safe ( folk protected behind glass safe )! I was told that the ONLY acceptable form of payment is through my checking account, mail in or bank because they do not take debit card payments! Around XX/XX/2020 Someone called me from the bank stating my account is {$260.00} over due with a past due amount, I stated no! {$50.00} is past due, the other payment is not due until XXXX. Plus what is the extra fee? He stated, past due amount. I requested that the past due be reversed. Told unable to reverse. He then stated oh yes I see you did not make a full payment so late fee is attached and then other amount is for XXXX ( still mid XXXX ). He refuse to reverse late fee ... first told I have to use my banking info or mail payment in ... *then stated you can make the payment using a debit card! I did finish making the additional payment amount but refuse to pay late fees***Poor Customer Service , employees making up answers and giving this customer a hard time using COVID as an excuse when I could have used my debit card to pay the additional payment, why wait to charge me late fees? Based upon my payment history I always make payment at the bank lobby on time. Told tellers can not see my payment history or amount due, I said that is not true! Capital Ones full service banks are far and in between. I live in one city , drive to XXXX or XXXX to make payments. I am opposed to using banking info over the phone/on line but will make cash or debit card payments! At the end of the day, I used my debit card to make over the phone after being they do not accept debit card payments. However, I have had issues with Capitol One in the past charged late fees after making on time lobby payments, if I make a cash payment it should be applied that day! If the bank failed to process payments is not my problem, I made the payment on time! They successfully reversed late fees but in this case I feel like I am being scammed due to COVID-19. Long lines, long phone holds, having to call back numerous to attempting to resolve payment issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions Accounts : 1 ) 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 XXXXXXXX # XXXX
Product: Student loan

The company Nelnet student loan has not posted payments I've made to my accounts. 

I called in XXXX to correct this. 
I made my XXXX and XXXX of XXXX payments. 
The representative notified me that my loans have been forgiven and that a letter was sent out to me. 
I have not received this letter. 
The representative assured me that my payments will be refunded to me when mt account updates with the forgiveness. 

XX/XX/XXXX, I received a call from Nelnet stating my account is past due. 
The representative quickly apologized for the call and sees my account is in forgiveness. 

I asked the Nelnet representative if this will be reported to my credit bureau. She assured me it is illegal to do so since my application for forgiveness was approved. 

Unfortunately today XX/XX/XXXX my student loan account has been reported to all credit bureau and my credit score has no dropped XXXX points!! 

I need this fixed and soon. I am reporting because this should have not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the recent TransUnion inquiry issue and was needing to have inquiries moved. I have spoke to a transunion rep on the phone who refused to help me in any sort of way. The inquiries needing to be removed are as follows : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Equifax Information Services LLC about two accounts listed as collections accounts on my credit file. In this letter I warned them of my intent to file a complaint with the FTC. To which I did not get a response yet again. 

I have disputed these incorrect accounts on my credit file NUMEROUS times over the last year. The accounts do not even have a creditor name, address, phone number, or any identitifying information that I could use to contact the creditor directly. Equifax is blatently ignoring my rights under the FCRA. Which I have made myself very informed on since trying to deal with these accounts. I plan to seek civil action against the bureau for violating these rights and laws. I have asked over and over for them to provide me with the creditors name, address, phone number but I have never been answered. These items have prevented me from securing financing that I have desperately needed. 

The accounts listed on my report are as follows : XXXX Account Number XXXX {$150.00} XXXX Account Number XXXX {$320.00} I faxed Equifax today again with a copy of the letter that was sent in XXXX. I have attached both
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB has decreed that medical collections under {$500.00} are to be removed from consumer reports. Transunion has not followed the CFPB 's instruction and are violating my consumer rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified XXXX that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that XXXX is incorrect. How XXXX claimed the information was verified and I would like to know what method was used to verify
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all XXXX credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because XXXX, Equifax, and XXXX allowed the XXXX items to be erroneously reported, my credit score has gone down more than XXXX points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX failed to provide factual documents about these accounts and they have to be removed. 

XXXX -Employer is no longer XXXX -Address has to be removed-XXXX XXXX  XXXX XXXX  XXXX XXXX, NJ XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX Installment account # XXXX -failed to provide factual documents about XXXX XXXX revolving account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX XXXX -Employer is no longer XXXX -Address has to be removed XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX  XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX -did not remove inquiry from XXXX XXXX XX/XX/XXXX Equifax -Employer is no longer XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX account # XXXX -failed to provide factual documents about XXXX XXXX XXXX account # XXXX
Product: Credit card or prepaid card

Yes I purchased in XX/XX/XXXX th from XXXX XXXX XXXX XXXX XXXX XXXX XXXX license and it was defective it kept burning my flower I called the store and tried to get help nothing even offered for the employee to come over after work several times. I then got a response from capital one closing the case because the merchant lied and wasnt aware I had ordered the same device from the manufacturer as I told his employees several times and then went by his word not a affidavit etc or the fact I have the receipt for both purchases
Product: Credit reporting or other personal consumer reports

I have submitted 3 prior complaints for removal of unauthorized inquiries. Experian will remove 1-3 of the fraudulent inquiries and will allow the others to remain. The unauthorized inquires that remain on my Experian Credit Report are : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries immediately as I have submitted over 3 complaints and the issues has not been rectified in its entirety and affects my credit worthiness.
Product: Debt collection

To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. 
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. 
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has added missed payments that were removed from two of my account but the credit grantor. I have sent in letter after letter and they have yet to respond. the late payments are adversely effecting me and I seem to be at the mercy of them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. 

We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? 

We need help with our VA Loan!
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME XXXX XXXX XXXX 
LAST NAME : XXXX. 
DOB : XXXX  NSS : XXXX SECURITY FREEZE
Product: Debt or credit management

XX/XX/XXXX - I'm raising XXXX grandkids. met with individual with XXXX XXXX XXXX ( STrategic financial solutions ). Every month I paid {$380.00} until XXXX of XXXX. Paid an additional {$400.00}. This is what they withdrew each month : Service fee of {$160.00} Admin Fee of {$69.00} Retainer of {$100.00} Service charge of {$10.00}. of the {$380.00} i paid each month there was only {$43.00} left over to pay my bills. they only paid One bill for about {$200.00}. I tried calling over and over and emailing but NO results. I have had to turn things over to another financial place to help me. It really messed my financial situation up even more. I did get XXXX XXXX to send me what i paid for a couple months. This should not happen to anyone. for nine months I paid {$3800.00}. of that amount they took over {$3000.00}. I can not pull up my account with them as they evidently deleted it. i have some papers I hope will help. 

This is the second complaint I've submitted. They never responded to the first complaint.
Product: Debt collection

I have trouble getting any kind of loan for car or anything because of something that I had no control over. I could not afford insurance but I had no choice to go to the hospital or I would not be here today to even be telling my story. It wasnt something I wanted to do and have more debt added to my credit. This has made my life so much harder and makes my interest rates so high on anything I do get so I dont have the extra money to pay for my medical bills. Not everybody has the chance or opportunity to have insurance and going to the doctor or hospital is not a necessity it is a have to or you can die. I have stomach problems and I would not have made it if I didnt go to the hospital. I was recently hit by a drunk driver and have had no income to pay any medical bills and I have to buy a car to be able to get to work so I can just pay to live. If I could get some of the medical off of my credit it would make my life so much easier. Like I said before it wasnt something I wanted to do it was something I had no choice to do. If you could please help I would be more appreciative than you know.
Product: Checking or savings account

USAA Bank ; with whom I Bank with, issued me my USAA automobile insurance check for a total loss accident. They did not want to close the account and tried to collect fees as if the account wasnt closed however I received the check and they must now close the account. They had someone contact me but they keep stalling after I received the check. Proof of this is the fact that they refused to upload the check on their app because it would show that the account had to be closed. Attached is proof of payment please make them close the account. They dont have integrity at this Bank. They keep taking money from my account for payment when the auto policy has ended and check was issued. Please read the check date. They must close the account.
Product: Credit reporting or other personal consumer reports

Down below i will list some inquiries that appear on my credit report in Equifax.This information is inaccurate and misleading and shouldn't appear on my report. 

XXXX XXXX XX/XX/2023