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

CFPB, Equifax is refusing to do as a lender asks. 

Attached to this complaint will be 2 letters from a creditor - they have been telling Equifax for months to add a XXXX XXXX XXXX XXXX ( XXXX ) for the purchase of a used XXXX XXXX XXXX to my Equifax credit report. 

Equifax has yet to handle this. 

I have filed 3 complaints before this one on this and now am attaching MORE proof Equifax needs to have this account show up o my credit report. 

Equifax, get this handled immediately as because you refuse to have my credit report show up as accurate it is damaging my credit and my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my XXXX  XXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent some letters out with an FTC report to XXXX and Transunion about some inquiries and a collection on my credit report that are not accurate and are not mine. I never received any responses from anybody. This is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Product: Consumer Loan

I purchased a vehicle back in 2008 and when the economy crashed I lost my job. I tried to keep the car but was not able to. I asked for help from Santander but they would not. I surrender the vehicle back to them. Santander sold the car at an auction for much less than what I owed. I have asked them to remove the balance from my credit but they refuse to and even though I have asked them over and over again the balance still remains. I just tried again and was told by the credit bureau to contact you if they still refuse to help. Let me know what information you me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late payment that they reported to the credit in XX/XX/2020. They removed the 30 day late payment off my XXXX  report and then added a 60 day late payment for XX/XX/2020. I made the XX/XX/XXXX due date payment on XX/XX/2020. I have not been treated fairly and I'm completely being taken advantage by this company.This is the second time they reported inaccurate information on my credit report. I'm going into a XXXX  XXXX the way there treating me.
Product: Debt collection

Halsted Financial Services continues to call me at least 5 times a day. When I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I do not owe any outstanding debts and have told them to quit calling me. I have told them I would contact the CFPB and file a complaint. They hung up on me without saying good bye. This needs to STOP. The caller idea says the company is Halsted. But different area codes keep turning up on my caller id from XXXX, XXXX, XXXX, and XXXX area codes. Please ask them to stop harassing me over a debt that I do not owe.Have t
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. The information I am disputing is as follows : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize the below credit inquiries from XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?
Product: Debt collection

I contacted this company letting them know I did not know of this debt or its original collector, I asked them to send me documents that supported the debt that I am not aware of, they continue to report this debt after not sending the documents I asked them to send. This is not my debt and I informed them I was filing a report for Identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Status on Account XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute the late payment status that has been reported on my account [ Account Number ], which I believe to be inaccurate. According to my records, the payment was made in full and on time, and I believe this late payment status is the result of an error. 

Here are the details of the disputed account and payment : Account name : XXXX XXXX Account Number : XXXX Account balance : {$24000.00}
Product: Credit card

Recieved a card in the mail, threw it away and now i have a statement from the company. I never opened an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite exceptional credit history and low debt and paying off my mortgage Experian continues to regularly drop my credit score for no financial justification. They keep telling join credit boost Experian has not gotten XXXX XXXX XXXX  enrolled despite my repeated requests. I pay over {$250.00} a year and am not getting fair honest reporting. My score dropped from XXXX exceptional to XXXX very good.the only negative on my entire report was late utility bill 5 years ago. So why did my score drop XX/XX/2020. Thank you.
Product: Credit card

I have a secured credit card with USAA and when making payment for use available balance USAA allows for indefinite hold on payments as listed in their universal terms and conditions. If do n't agree with universal terms and conditions funds will not be released to hold on funds with secure card. 

Listed is their policy : When we credit Payments. Payments received by us before XXXX Central Time that meet the payment conditions in section XXXX and on your bill will be credited as of the day of receipt. Payments that we accept that do not meet these requirements will be credited within 5 days unless they require special handling. We reserve the right to withhold credit availability on any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Product: Checking or savings account

I am XXXX XXXX XXXX. I opened an account with Chase. I opened the account on line. About 2 weeks after the account was opened I tried to transfer money to my account and was not allowed to. I contacted Chase customer service. ( Chase did not have the decency to contact me about this event despite having my e-mail, telephone number and address, ) I waited on hold for 45 minutes and finally was able to speak to a customer service rep. The rep informed me that his department did not handle my issue and transferred me to another department. I waited on hold again for around 30 minutes. When that rep answered the phone they told me their department was not handling that problem and transferred me to another department. I waited on hold for another 45 minutes. Finally the person who answered told me Chase was closing my account because my " E-mail was suspicious ''. When I asked what they meant by suspicious I was told they could not tell me. Now my account is closed. I am on a fixed income ( I make less than {$800.00} a month ) I cant pay any of my bills from that account. I cant get a logical explanation out of Chase as to what : Suspicious E-mail means. I wonder if their mothers know how shamefully Chase treats poor senor citizens. I am XXXX XXXX XXXX and have never committed a crime and I am being told my e-mail is suspicious?????????
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 customer rights to privacy and confidentiality under USC 1681. 


Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX All accounts listed has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other thank records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( 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: Debt collection

FINANCIAL DATA SYSTEMS is in violation of federal law for furnished fraudulent data. I have never enter into a contract with FINANCIAL DATA SYSTEMS, yet they are reporting an account on my consumer report. 

XXXX XXXX XXXX is also in violation of federal law including HIPAA for sharing my personal and medical information with a third party.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX inaccurately reported hard inquiries on my credit report. 

Remove the following hard inquiries from my XXXX, Equifax and XXXX credit reports immediately! 

The hard inquiries below were reported as soft pull inquires that I do not recognize and XXXX, Equifax and XXXX inaccurately posted them on my credit report as hard inquiries that are not mine. 

Soft pull inquiry errors, inaccurately reported as Hard Pull inquiries that i do not recognize, that must be deleted - XXXXXXXX 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  Cc : FTC Report # XXXX Cc : Attorney Generals office Cc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau Also, see uploaded screenshots/ document. Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. Or I reserve the right to sue under the Fair Credit Reporting Act and Metro 2 Deletion of soft pull inquiries inaccurately reported as hard inquires that I do not recognize.
Product: Checking or savings account

On Saturday XXXX XX/XX/2021 I my phone was legally access and my XXXX account was use to clone my phone during the time my phone was cloned my Robinhood account ( RH ) was access from a XXXX device in NY according to my XXXX account information. 

during the illegal access All my crypto currencies were sold and and a possible cash advance due to a sell of doge coin for XXXX dollars, at this moment I only had XXXX on my account. 

I contacted XXXX XXXX via email this is the only they do not have a customer service number, on XXXX XX/XX/2021 reading the account access do to my email not been recognized to reset my password Robin Hood ( RH ) at XXXX CT they replay with Case Number : XXXX then again at XXXX Case Number : XXXX I received an reply on XXXX XX/XX/2021 XXXX to verify some account information My first and last name, The last 4 digits of Social Security Number. Your phone number and Your date of birth I reply XXXX XX/XX/2021 with the requested information and my phone number They reply Mon, XX/XX/2021, XXXX with this message. 
" It looks like the information you provided doesnt match your account details, so well need to verify your identity with a valid government-issued ID to move forward. 
Please upload photos of your ID card ( front and back ) or passport ( picture page ) and then reply to this email so we can help with your account. '' and a secured link to upload the data I follow the instruction and uploaded the data. 

It have been more than 24hr I have send them about 13 email to Robin Hood who does not have a contact number, all via email unsuccessfully
Product: Mortgage

navy federal credit union has included false information to my mortgage application and repeatedly checked my credit which has greatly lowered my credit score making me ineligible to obtain a mortgage through them. 

At least one credit reporting agency has refused to follow policy in requesting a reply from companies that report I owe them. 

I am XXXX and these false accusations are limiting my options for obtaining a mortgage at a rate commensurate to what my credit score should actually be. 

When you apply for a mortgage through navy federal credit union you pay them to run your credit. They ask for the address of the property you want to buy. When you don't buy that property nfcu requires that you start over again paying for another credit check and starting a whole new mortgage application. These additional credit check fees can put a lot of money into nfcu at the expense of the applicant. This repeated requirement to pay for credit checks greatly reduces the credit score of the XXXX applicant. I do not know if Americans that apply for a mortgage through nfcu are required to repeatedly pay for credit checks, are required to do multiple mortgage applications or if their credit scores are intentionally reduced by nfcu policy of repeated credit checks and new mortgage applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 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 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 ) XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

To Whom it may concern : On XX/XX/2018 we rented a compact car from XXXX XXXXXXXX in XXXX XXXX. The rental fee amount for the duration of the rental ( 10 days ) was paid in cash, in order to get a lower rental rate. Per our contract attached to this document, there was a rental refundable deposit charged to our card in the amount of XXXX XXXX pesos, plus {$1300.00} added to cover rental fee difference, due to cash shortage at the time of the rental. 

On XX/XX/XXXX, the vehicle was returned with no damages or fuel charges. We were told the deposit would take approximate 2 weeks to show on my credit card. On XX/XX/XXXX, per merchant request a copy of the contract was transmitted over " XXXX '' application and agreement was reached to refund deposit in the amount of XXXX. Per merchant " XXXX '' communication, attached to this email, the refund was going to be issues on by Friday that week. Per " XXXX '' chat transcript attached to this email, the merchant agreed on returning deposit by Friday XX/XX/XXXX end of business day. So far we have not received the refund. 

Today, we contact them again and were told that due to an internal government and bank fraud investigation all funds have been frozen pending an investigation. 

Citibank has closed the case on me twice and have not provided a credit to our account.
Product: Debt collection

On XX/XX/XXXX I notified XXXX with Diversified Consultants, INC over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from XXXX XXXX XXXX XXXX XXXX who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
Product: Debt collection

I contacted to validate information more than 45 days ago and they have not given me information. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights.
Product: Student loan

Mohela sent a letter today that interest will accrue on my loans while I'm in the forbearance I was forced into despite the fact that I am on the SAVE plan and was told I don't need to recertify until XX/XX/year>. My amount according to the ruling should not change from interest accrual at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX  info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, Equifax, XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX ) XX/XX/2022 {$0.00} balance
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).
Product: Money transfer, virtual currency, or money service

XXXX2020- I sent {$160.00} via cash app to purchase goods. The goods were never received & several attempts to contact the seller were ignored. Cash app has no available dispute options and my bank is refusing to assist with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). 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 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 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, ( Original Creditor : ) # XXXX, XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The collection agencies need to delete the following debt collectors from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those debt collectors are reporting a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX