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

My Problems with Equifax Hello my name is XXXX XXXX XXXX, and I am sending this letter to describe my problems I have been having with Equifax since XXXX. Ive been told Information has been Correct to be mine over & over again, when I have been giving information from sources which were previously available on Equifax that don't belong to me. A Home Mortgage, Student Loans, other banks or loan accounts, Birth date & year. 


Since XXXX I have spoken to the places that can Verify this information is wrong, such as XXXX ( XXXX ) which before speaking to anyone lets you put in a Social Security number, Etc that will tell you that youre not in the system. But if I use the information that Equifax claims belonged to me it literally details this other person Current living address and Phone Number which is the Home that was Bought with the Mortgage. Now that all the information was removed from Equifax I cant Dispute anymore to fix the problems since it requires me to give the agent information I know nothing about such as previous payments, closed accounts. They would either let me through to dispute or just hang up on me and disputing on Equifax website doesnt make it better.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX NEVER GAVE ( EQUIFAX, XXXX OR XXXX ) ANY VERBEAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMSISSIBLE PURPOSE BY THE LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. 1028 A. YOU HAVE KNOWINGLY TRANSFERRED POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF XXXX IN ADDITION TO XXXX LIABILITY THE FOLLOWING ACCOUNTS ARENT MINE 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

Good morning, on XX/XX/2019 I send a dispute letter to the Credit Bureau Equifax. I always send my dispute letters with proof of the reasons of my dispute. This is not the first time I have disputed these accounts with them, but the funny thing is that with this last letter they never answered me back. The good thing is that I always keep my Return Receipt in case things like this happen to me. All the accounts that I am referring they have one thing in common, inaccuracies information.
Product: Credit card

An item ( Stabila XXXX Laser ) was ordered on Amazon on XX/XX/XXXX for a total amount of {$2100.00}. The Amazon seller was XXXX. The item never arrived/was never delivered ; however, the seller states it was delivered per the tracking information. I notified my Amazon card that I never received the item and that the seller was refusing to do anything about the situation. I have been back and forth with the Amazon card since XX/XX/XXXX with no resolution. They wanted a police report regarding never receiving the item, so a report was filed and submitted to the Amazon credit card XXXX XXXX. Every time I follow up, they state a dispute can not be found and open a dispute. This has been ongoing for months now. I called today XX/XX/XXXX and was told there was no dispute again ( a dispute has been filed with the police report multiple times ). The representative claimed to have submitted a new dispute again today, and I have once again attached the police report. This dispute has been pending since XX/XX/XXXX, which is way over the 90 days allowed. The Amazon card is basically ignoring the issue.
Product: Student loan

I have e-mailed Navient in reference to the student loan forgiveness program and they stated they could not assist. I received an e-mail from them stating my loans could qualify but when I reached out to them, no one would try to assist. I downloaded my payment history and on a {$42000.00} loan, I made {$29000.00} in payments. How can my balance still be {$35000.00}. This math doesn't add up. My balance should not be this high with the low interest rate I have. Also, I wanted to know if XXXX with the XXXX XXXX would qualify for forgiveness but again no one would answer my question. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I see that there are inaccurate inquiries on my Equifax credit report that should not be there. The inquiries are as follows : - 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 XXXXXX/XX/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. 
Account name : XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within XXXX days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time sending Equifax this information. Hopefully they'll get it straight this time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent. I have never given written consent therefore this is also identity theft also.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the XXXX XXXXXXXX XXXX XXXX XXXX they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because XXXX  companies XXXX XXXX  aka Lakeview Loan servicing aka XXXX XXXX is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the past, i was able to unfreeze my acct by telephone. Now I am forced to a website and must enter my social security number for the world to see. 
I don't own a computer and must go the library for access
Product: Mortgage

Wells Fargo is being vindictive due to the fact theyve been proven to be fraudulent liars. And because evidence was sent in with me being with XXXX XXXX and that I no longer has their over expensive XXXX XXXX and proof that fraud had taken place back in XXXX Now it appears on their recent Mortgage XXXX that I now owes {$66000.00} XXXX compared to their bogus XXXX XXXX. And my bank statements would prove that Ive been faithful on my payments which were reduced due to them receiving the XXXX from XXXX XXXX
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to see unfamiliar accounts listed on my credit report, and I have no clue how they got there. Ive always checked my report regularly, and everything was normaluntil today. When I tried refreshing the page, I expected it might clear up, but the inaccuracies persisted. Im asking for a thorough review of my submitted documents so that I can finally feel confident about my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this XXXX  account has violated my rights : XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692c clearly states that ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of work of competent jurisdiction a debt collector may not communicate with any or with a consumer and connection with the collection of any debt. 

15 U.S.C 1681i clearly states : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

In XX/XX/2019, I paid {$2000.00} using my Bank of America account to pay for XXXX  XXXX XXXX tuition fee ( XXXX Bank ). 
In XX/XX/2019, I had to make a trip back to my country XXXX to renew my XXXX. At that time I was not so sure if my XXXX would be granted, so I can come back to the XXXX. I decided to close my Bank of America account before I left XXXX. 
In XXXX, my XXXX  got granted and I came back to XXXX and continue my school. At that time, my XXXX told me that I would not need the classes that I registered to be able to have enough credit to transfer. I took her advice and dropped the classes that I signed up. He told me the money would be refunded back to my bank account. And if my bank account was closed, the school would send me a check. 
It has been XXXX  months and I have not received any check or money from my school or Bank of America. I have made a complaint to them for the past XXXX  months. When I talked to Bank of America, they said they did not receive anything from my school. Then I went back to the school and talked to them, the school said they already made the transaction on XX/XX/2019. I went back to the bank and told them that the school made the transfer to the Bank of America XXXX XX/XX/2019. The Bank still said they have not received anything and definitely they can not receive anything because the bank account was closed. 
How can I get my money back because both Banks blame on each other.
Product: Credit card or prepaid card

On XXXX, 2021 two fraudulent transactions were processed on my BOA account. On XX/XX/2021 I called Bank of America to report the fraudulent transactions. The fraudulent transactions are in the form of a " requested refund '' - which I did not request nor authorize. When I called on XX/XX/2021, I was informed that a " claim '' would be filed & the issue would be resolved in 5-7 business days. I did not see any resolution or status update. I called BOA again on XX/XX/2021 ; XX/XX/2021 ; and again on XX/XX/2021 - each time being told a " claim '' was being filed & it would now take another 10 business days. I have never received a follow up from BOA or any kind of a claim number. The amount I am disputing totals {$5500.00}. I've also recently noticed a charge for " interest charged on purchases ''. I have NEVER seen this type of charge on any of my billing statement. I am curious if this new " interest '' charge is retaliation for my complaints. The disputed amount is an enormous amount of money for me & my family. I have been a BOA customer for 17 years, never missed a payment, have never had a dispute before, and have excellent credit. Feeling helpless regarding personal finances is unacceptable. Bank of America has been negligent regarding suspicious activity on my account, and in their flippant resolution practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX ACCT # XXXX AMOUNT {$1700.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXXACCT # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.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.
Product: Payday loan, title loan, personal loan, or advance loan

I had emergency auto repairs that had to be done on my vehicle. The total cost was {$6000.00}, I explained to the shop that I did not have the money for the costly repairs. The manager explained to me that I could finance it, he ran through the loan company that they use and I was qualified within a few minutes. I was signing the loan paperwork over their tablet and on the phone as well from the loan company at closing time. At the time the only thing explained was that the amount needed to be paid in 90 days and if not there would be accrued interest ( which to me was normal and to be expected ). Although, When the company sent me the paperwork to my email, I found out that if I could not pay the {$6000.00} in 90 days it was going to cost me XXXX to acquire ownership over the course of 2 years. None of this information was mentioned or presented until the documents were signed. Had I known I would have never agreed to pay an amount over XXXX the original amount. I have called the company multiple times to adjust payments and to get the amount lowered, and asked for other payment options only to be told that their system generates the amount to be paid. Currently I have already paid {$1500.00} over the original loan amount. I called to ask what I need to do for payoff only to be told that there is no way to project how much my payoff amount will be and making extra payments goes to the remaining balance and not the payoff amount that is listed. The supervisor explained that there is essentially a lottery that their system does and one day my payoff could be higher and one day it could be lower, but there is no way to know what it will be on a day-to-day although reading the contract it states it will always be 50 % of the remaining. This issue needs to be reported and this company needs to be shut down for doing this to people. It's not right! How does {$6000.00} go to XXXX in a matter of 3 months, they are tricking people into signing this agreement and not disclosing all information. Neither company explained this.
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 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 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 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose