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

FILE CONFIRMATION NO : XXXX I sent in and spoke with a representative at Equifax to have an inquiry removed from my report because I did not give anyone permission from that company to inquire on anything about me. I completed the dispute process as suggested by the representative and I received a message from Equifax. The message said they opened the investigation on XX/XX/XXXX and then I received a message that they closed the investigation on XX/XX/XXXX. What kind of investigation happens within this timeframe? I am seeking a response with the description of the procedure of re-investigation. In addition, I want to know how they were able to confirm this information when I am the consumer and they should be talking to me, and no one called me about this. Who did they talk to and who gave them permission to talk to them? 

I know according to the code I have a right to privacy, and they have violated that right also. See the privacy act of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

And US 1681. Congressional findings and statement of purpose ( a ), ( 2 ) ( 3 ) and ( 4 ) in particular.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

The description of procedure of reinvestigation can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

Deceptive advertisement. Fraudulent unlawful holds on legitimate transactions. 
XX/XX/23 @ XXXX. The XXXX # XXXX XXXX XXXX accepted my cash payment to send a {$1500.00} MoneyGram payment & issued me a printed receipt stating the Service Type is " 10-Minutes '' for destination/delivery. When the recipient ( my son ) tried to pick it up at XXXX it had an error as " unavailable. '' He alerted me and I immediately called the dispute # XXXX printed on my receipt. After navigating through a profusion of phone prompts to reach a live agent, it took transfers to 3 representatives over a 53-minute call to resolve the issue : specifically I was told " Because there of lots of fraudulent activity in this area ( XXXX IL XXXX their payment system automatically generates a hold on large amount transactions. '' I was subjected to redundant " interviews '' that included personal details that were none of their business ( i.e., who is recipient ... why did I send it ... when was last time I saw him in person... do we communicate via phone, text or email... how old is he ... what's his phone number .... ) We live about 40-minutes apart ; I could have simply driven over & handed him the cash! This payment entailed a simple car repair, but it could have been emergency. NOTE : This is not the first time this has happened ; it happened for MULTIPLE transactions ( grandchildren gifts birthdays, etc. ) I sent last year -- for this reason I stopped using XXXX & switched to XXXXMoneyGram. It took several days to resolve those issues. This time I insisted on a refund of the {$14.00} transaction fee.
Product: Credit card or prepaid card

We received notice on XX/XX/22 that our XXXX credit card would no longer be serviced by XXXX XXXX XXXX, We were never notified of this change even though, looking on line, it was transferred to Comenity Bank on XX/XX/22. I was first aware of this when I tried to use my card and it was denied, Since I have excellent credit I started to investigate and couldn't get any information by trying to log into XXXX and couldn't. After several days of trying we received the notice from XXXX. I finally reached someone at Comenity where I was told I could log on and pay my bill. Since we NEVER received new cards that would be impossible because we have NO IDEA what the account is. This seems like a SCAM - what bank does business like this? In addition to Comenity bank, XXXX and XXXX should be accountable for explaining to their customers this XXXX up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX  To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX I am XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor.

There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX MD ) These accounts need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXXXXXX the three major credit reporting agenciesXXXX, Equifax, and XXXXregarding the inaccurate reporting of a late payment on my credit reports from XX/XX/year>. 

I had set up autopay for my credit card in XX/XX/year> for this card and received a confirmation following the setup, but due to a failure on the part of the credit card company, it was not activated. This resulted in a late payment in XX/XX/year>, which I was unaware of because I did not receive any paper statements or email notifications about the missed payment. 

Upon discovering the issue, I promptly contacted the credit card company on XX/XX/year> and paid the balance in full, and had any interest fees removed as it was an error on the Bank. The autopay was reset up and the Bank advised they were going to correct the late payment information sent to the credit bureaus. They sent me a letter on XX/XX/year> saying they researched the deliquency and did not find any errors. I called back in after receiving and discovered the agent who submitted it did not provide accurate info, so a representative corrected the information and resubmitted. This still has not been corrected and when I have called, I have not been provided with any additional information, Despite resolving the matter quickly, the late payment was reported to the credit bureaus, and my credit score dropped significantly as a result. 

I contacted the credit card company to dispute the late payments, but they stated that they found no error on their part and would not remove the late payments from my credit report. 

This inaccurate reporting has caused significant harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I believe that the late payments were reported in error and should be removed. 


Thank you for your attention to this matter.
Product: Credit card

By XXXX First Progress Credit Card say that they don`t receive my last two payments for my credit card which I did thru my bank account. I`ve been call to customer service since then and they just ask me to send them a proof of the payments. I send them the documents that my bank brings me as a proof that I paid on time and for some reason they say they never have received my letters. I send them one letter with all the paperwork that they ask me for on XXXX and two times on XXXX and they still told me couple of days ago when I call them again, that they have nothing from me. I ask to talk with a supervisor, and he just repeat me what the other agent say. By the way, he told me that the rest of the money that he going to send me when I send them paperwork ( which, as I told you, I already send it ) as my balance deposit is gon na be an amount of money assuming that I never send the payment and that`s why Im trying to get help as summiting this complaint. My entire deposit was XXXX and they told me that when I closed the account they gon na send me the money back if I have no balance but I dont have any balance and they closed my account telling me that I never pay when I aklready did it and on time. I have all proof of that. I`ll gon na send you the proof once I seat on my computer
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request to FCRA 605B ( 15 U.S.C.

1681c-2 ) That you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent XXXX XXXX XXXX Reference # XXXX ( Transunion ). This account has resulted appearing on my consumer FICO credit report. I do not recognize the aforementioned account reported and does not show up on my XXXX or XXXX reports. The aforementioned account appearing on my consumer credit report maintained by you was not open, made or initiated by me. All the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Student loan

I have a private student loan with Wells Fargo. I took it out in XX/XX/XXXX for  {$6500.00}. I have been accused of 2 late payments, which I was unable to disprove, and accused of approximately 8 missing or late payments that I was able to prove their error. At the start of the loan, I have a federal student loan through Wells Fargo ( with a maybe 6 month overlap ). They mis-applied my payments every month and tried to say I did n't pay. Then harassed me on the phone daily even when their records showed I did pay ( I believe there is already a suit for this currently ). <P/>Of course these late claims allowed them to raise my interest rates to 13.5 %. During XXXX-ish, I spoke to them on the phone 1-2x per month as they continued to " misplace '' my money and accuse me of not paying, then the rep on the phone would say, oh - I see. no problem. I 'd confirm that I did not owe anything, and they would say yes - you do n't owe anything. Its been taken care of. Then the next month, another late charge and I would call back. I NEVER miss payments on anything. My credit history proved that. Of course this also hurt my credit for years. <P/>After paying for years, my balance is still XXXX. In my account history there are actually years of the balance going up instead of down. I have tried making double payments ( one to principle ) but they still only apply a portion of it to the principle. I have contacted them repeatedly. <P/>They do n't even have record of me ever having another loan with them, even though I have hard copy statements and certainly paid them for years until I paid off the first loan. When I mention that, they tell me I m wrong and this is the first loan through them. <P/>Last year I got a notice saying in order to help me repay more efficiently, they altered my auto-payment amount. When I checked, they LOWERED my payment amount ( by only $ 3+ ). I called on it, emailed, and tried to raise it back to what I had been paying ( or even more to help ) and they were kind, like always, but nothing was changed. ( this is when I tried to pay an extra chunk to principle again, and they only used {$75.00} of the {$100.00} to principle - note that they had already received their full payment which should have paid their interest/fees for the month. ) I have paid thousands of dollars ( approx. {$1500.00} per year ) on this loan and I still owe over {$1500.00} MORE than when I started, years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests ( letters/disputes ) to Harley Davidson Financial Services ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they report accurate information. I have also called them directly. 

The last payment ( which paid the balance off in full was received on XX/XX/XXXX. ( {$3600.00} ). 

Currently, on XXXX  and XXXX XXXX, the information is incorrect - XXXX states that the payment status is not more than two payments past due and XXXX. states that it is 30 days Past Due. 

The account should state that it is PAID and Closed and not " Past Due ''. The account was paid XX/XX/XXXX so the XXXX payment should also show that it was paid on time and no late for XX/XX/XXXX. 

XXXX, XXXX  and XXXX XXXX should also indicate that the account was paid off on XX/XX/XXXX and that the account was not LATE in XX/XX/XXXX ( and that point it was current, paid and closed ). Send this update to the credit report agencies within ten business days. Thank you.
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from Home Acceptance. According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not XXXX XXXX accurate. This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Product: Vehicle loan or lease

Ally has continued to apply late fees and finance charges even though Ive paid my bill over the amount required and on time. Ive called the company and spoke to at least a dozen people who have all told me something different. Im in the process of refinancing through another company but they are truly scamming people. Ive spent hours on the phone with them and they continue to transfer me and hang up. Now its affecting my credit score as a late payment even though Ive been paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$540.00} Balance updated XX/XX/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 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.
Product: Prepaid card

I had a cash app account for many years. I only used it to send and receive finds from family. I also used it yo pay bills. Suddenly the company accused me of illegal activity and said I violated policy and closed my account. I have had problems with them in the past such as redundant charges creating a real hardship for me and my family.
Product: Debt collection

The company did not explain why they were contacting me. There were multiple individuals from multiple " law firms '' who sent frightening business matter text messages to me. I finally determined who they were once I reviewed my credit report and saw that this old debt had been sold AGAIN to another collection agency. I blocked each text message only to have more sent in addition to receiving 4-5 phone calls per day.
Product: Debt collection

THE BANKRUPTCY COURT DONT REPORT TO ANY CREDIT BUREAUS AT ALL AND THEY DIDNT HAVE THE MY CITY AND STATE SPELL OUT ON MY REPORT THE RIGHT WAY ON ALL 3 BUREAUS
Product: Checking or savings account

I have a checking account with Wells Fargo bank. On XX/XX/year>, a credit card payment of XXXX dollars on was posted on my checking account. On XXXX, I had insufficient funds to cover that payment. Wells Fargo allows an additional day to cover insufficient postings on my checking account. In essence, it gives two days to cover payments. The next day, XXXX, I transferred XXXX dollars and my weekly payroll was posted on my account. My ending daily balance on XXXX was {$580.00}. On XX/XX/year>, I went to my local Wells Fargo branch and explain to them out the situation. The representative first acknowledged the banks mistake. I requested a XXXX dollar credit to offset the XXXX dollar overdraft fee I was assessed. Then, she said she could not give a XXXX dollar credit because Ive already received two XXXX dollar credit. Earlier this year, the same situation occurred and the Wells Fargo gave me those credits to offset fees that were assessed. In short, the representative that I spoke with stated theres nothing she could to reversal the fees assessed. This same situation has occurred in the past.