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

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted a dispute to Experian numerous times and the dispute gets closed out after about 2 months without any reason as to why my documentation is not being reviewed on order to prove that the creditor is reporting incorrectly. The creditor is XXXX and I have a notarized payoff letter and title from XX/XX/XXXX and XXXX has since XX/XX/XXXX been reporting a charge off on a vehicle I own outright. At one point it was removed and then put back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my initial letter for disputing innacurate personal information on XX/XX/2023 and did not receive a response from Experian or a new credit report with the corrected information. On XX/XX/2023 I sent my second letter to remove the innacurate information and yet I still did not receive any response or a new credit report with the accurate information. 
XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Equifax continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Equifax has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a copy of my Experian credit report taken from XXXX, there is an " On Record Until '' field for the account " XXXX XXXX  ''. The field says " On Record Until XX/XX/2023 ''. See page XXXX of attached copy of report from XXXX. But when I look at all credit reports from XXXX, that field/information for the account XXXX XXXX  XXXX XXXX. Why is this " XXXX Bank '' account still showing on my credit report when the field/information " On Record Until '' shows " XX/XX/2023 ''? Please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported 4 late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the three bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Product: Credit reporting or other personal consumer reports

My credit was run without my consent On Equifax report XXXX mortgage credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit card

I have had this card for years with Chase freedom. Always have paid on time. We have had a XXXX balance for a few months and put a camping reservation charge on. During sometime they switched my billing to paperless with out my approval. I did not receive my bill then received a late fee notice, also putting me in delinquent status. I called and they switched me back to mail billing and sent a bill. Also was told the fee would be reversed. We then payed more than half of what was owed, {$45.00} of {$76.00}. We payed this 2 days after receiving it. The next bill came in the mail the following month. They charged another late fee along with reversing the original fee. I called and they said we did n't pay the minimum payment. They said they could do anything about it. Even talked to the supervisor. I canceled this account on the spot! This can not be legal..
Product: Prepaid card

I am unable to access my funds, no direct deposit for 2 weeks I have a savings account on it and I cant even use those funds. Every time I call I get hung up on or they tell me they can not help me. I have resourced all my cash and have bills piling up.
Product: Checking or savings account

Overdraft fees is outrageous and should be looked at into deeper. Its no way that a {$20.00} dollar credit should be applied after every purchase when you overdraft
Product: Debt collection

I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!
Product: Credit card or prepaid card

Discover states that a letter was sent in XXXX, 2020, alerting me that my account would be closed due to inactivity. I never received the letter. I was alerted by a credit reporting service that my account had been closed on XX/XX/XXXX. I called Discover on XX/XX/XXXX and told their representative that they should have sent a warning electronically through their app or online service center. This was an older account that I wanted to keep. Had I received that warning, I would have done what was necessary to keep it in good standing. Instead, during a world wide pandemic, when people are struggling financially and not going out to shop and eat, my account has been closed and I no longer have access to that credit. Furthermore, my score took a hit for this cancellation.
Product: Credit card

I used Chase credit for a hotel booking back to XX/XX/XXXX, but the annual hotel credit has not been applied. I have called in XXXX and XXXX, then received a letter from Chase saying that the credit will be applied XXXX billing cycle, without giving me a reason why the credit keeps delaying. 
I called again at XXXX XXXX XXXX, XX/XX/XXXX, with a total of XXXX hour and XXXX minute calling time. At the end, it was someone claimed that she is the manager, and told me that the XXXX XXXX credit won't be applied until next credit card renewal date, which is a totally new and incorrect information. Please see the attachment ( Case Searched XXXX ), the credit just came within a week. 
I have already closed the credit card due to the bad attitude from the " manager '', but I do suspect a racism from the " manager '' because of my XXXX with the accent.
Product: Credit reporting, credit repair services, or other personal consumer reports

According the to FCRA legally these unauthorized/fraudulent items must be removed
Product: Credit reporting

Went to buy car. Learned I had bad credit. Bankruptcy on my report. BK of same name, different social security number. Only Experian contains error, other XXXX bureaus clean. Provided my IDs to bank. Bank wrote letter I sent to Experian. went to BK court. Pulled BK in question, not my SSN, judge signed and court sealed documents sent to Experian. Experian sent a letter back to me they will remove BK at end of 10 years. Bank gave me car loan at terribly inflated rate. Credit report still wrong. No recourse. All online info does n't answer this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account 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 or other personal consumer reports

XXXX XXXX Experian continue to report incorrect information on my consumer report. The account listed as XXXX XXXX was allegedly validated and verified as belonging to me but neither company provided me with the documents or evidence used to come to this conclusion. I would like the information forwarded to me so I may inspect it for myself and follow up with the company that submitted this information this investigation can not be XXXX sided.
Product: Money transfer, virtual currency, or money service

I sent my daughter {$600.00} on CASH APP - one transaction for {$100.00} and the other one for {$500.00}. My daughter no longer had that account, so I have been requesting a refund from this company for 11 months - to no avail. The simply state, " We do not refund. '' I am requesting support from you to ry and resolve this issue as it is not fair that I am out the {$600.00}. I am a XXXX XXXX and I do not have this type of money to lose. Pleaswe kindly help. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a client of XXXX XXXX XXXX for several years with an excellent on-time payment history. However, after analyzing my credit report I have noticed 4 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I send all payments promptly, but I'm unsure why the payments were not recorded by the due date. I tried to resolve the issue with the company but they refused to help me as a consumer I feel that my rights were violated.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Payday loan, title loan, or personal loan

The loan had an insurance added to it that wasnt explained nor was I given an option to accept or decline. In the loan paperwork it shows if I had declined the insurance my payment would be {$300.00} less. Once I got home, I called and went back to the establishment but was told that I can drop the insurance but the contracted payment and loan amount would not change.
Product: Debt collection

Called to get verification of the debt which they told me they did not have the sign contract nor information about this debt that could be provided to me
Product: Credit card

During covid ( summer XXXX  ) I was In the middle of a move to Florida using my Capital One Card. Out of nowhere they decided to close my account, effectively leaving me stranded, unable to rent a car, and causing a hindrance to me, my wife, and XXXX kids. I tried to reach out to Capital one to inquire about what was going on, as I had my account for a while with them, but they said the generic response.
Product: Vehicle loan or lease

Since the start of this loan I have made a {$49.00} principal only payment to the loan. That additional principal only payment isn't applied to the loan until sometimes 2-3 months later. I have contacted Nissan to explain to them what is happening on at least 3 different occasions, with the last time most recently. They told me they don't have any records where I have made principal only payments and requested I send them proof that made principal only payments. I sent them copies of cancelled checks where I have made such payments and haven't not heard back from them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX filed a lawsuit against Transuion for reporting fraudulent items on my credit report Item # XXXX XXXX XXXX XXXX {$XXXX} Which is a fraudulent account if this account is not removed XXXX seeking damages or {$XXXX} along with attorney fees According to section 605b of the FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was scammed to send {$2000.00} to an individual named XXXX ( XXXX ) via XXXX through my bank Chase 's mobile application. The individual took my phone after I had logged into my Chase app, and sent themselves money through the phone number XXXX, a number which now seems no longer associated with XXXX. 

I called Chase Bank that night, and I was told I would be given credit for the {$2000.00} while they investigated my case and I was forwarded to the fraud department to change my username and password on the app. However, I soon found out that I was not given any credit, so I called the bank back after a week and it was said that they were still looking at my case and since the fraud took place through XXXX, a third-party company, there is a likely possibility that my case wouldn't be approved. 

I have attached a screenshot of the transaction from my account.
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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my 5th complaint to XXXX and Equifax informing them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX. This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX  XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX  XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX
Product: Mortgage

FromXX/XX/2020-XX/XX/2021, I was trying to secure housing for my children as I had lost the house in my divorce to their father. I worked with the company New American Funding to receive my loan. I made it all the way through the process of buying a home- putting down earnest money, paid for the inspection, got my insurance on the home, turned on utilities and my mom gifted me my down payment. I was originally supposed to be in the home by XXXX but the underwriter kept pushing back for whatever reason. I asked my dad who was also an underwriter and he said I shouldn't have had such a hard time with my conventional loan and that something didn't seem right since I should " ; ve been in the home and not still bouncing between homes like I was. At the end of the situation, I had to terminate the agreement since The underwriter claimed the issue was my " scattered employment '' and wanted dates instead of blanket statements?- which I provided to the underwriter. I gave her my full dates and the loan processor said it was good. The whole issue was causing me a lot of stress because my children also wanted a stable roof over their head and unfortunately they were disappointed and I lost my earnest money. I had literally just left an abusive marriage and had been providing for my children ever since I left their father and my final straw was being told " XXXX XXXX XXXX '' was a blanket statement. I think the company also shouldn't have let me get so far as submitting my money for closing- which I was ready to do multiple times. Including having help from my own mother - I just feel like I should've been rejected instead of being put through the entire process.