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

UNABLE TO REGAIN ACCESS TO MYEQUIFAX.COM UNLESS I SEND A COPY OF MY SOCIAL SECURITY CARD TO EQUIFAX. 
I have been unable to logon to myequifax.com due to the company awaiting specific documentation to identify myself. To fix this, i faxed my drivers license along with my social security number, birthdate, name and address with a request to correct my access the site, myequifax.com. they had me successfully change my password but still could still not get in online. The next day i was advised that even though i've been identified ( i finally was able to get thru to someone on the phone and they were able to identify me, unfreeze my account and request a copy of my credit report be sent to me ) they could not fix my online access unless i again submitted all my previous sent information BUT in addition I HAD TO ADD/SEND A COPY OF MY SOCIAL SECURITY CARD. I was told that if if didn't send in a copy of my social security card then i would not be able to get access to myequifax.com. I asked if any other document would suffice in addition to my driver 's license and was told, no, i had to specifically send in a copy of my social security card. 
I feel it is unreasonalbe ( not to mention a personal security exposure XXXX to be forced to send them a copy of my social security card to gain online access to Equifax. Especially, since thisis the primary means the public has to maintain and view their Equifax information. 
I am hoping your department can do something to have Equifax improve its methods of confirming idenitication ; they ask plenty of questions ( repeatedly ) and have this information on file already.

Equifax is VERY difficult to work with and nees to improve their processes. Their staff is process bound and simply follow scripts with no interest or desire to understand and fix situations beyond what the script calls for. 
Their response to this will probably be telling me their process is to require the social security card and i have to send it in along with sending the drivers license again, with no attempt to resolve what i consider an unreasonable and unfair requirement.they need to fix their process/procedures. 
I am hoping there is someone there that can help me re-gain my access to myequifax.com site. 
Thank you in advance for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the inaccurate information that continues to be reported on my credit report, despite my previous dispute attempts. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect, and it is your legal obligation to respond within 30 days to my disputes. Regrettably, your agency has failed to respond not once, but twice, to my previous disputes. My previous dispute letters outlined the specific inaccuracies on my credit report and requested that you investigate and rectify them. To my astonishment, I have received no response, acknowledgment, or action from your bureau regarding these disputes. I want to draw your attention to the provisions of 15 U.S.C. 1681i Paragraph ( 5 ), which clearly states that if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that information. It is disheartening that your agency has not adhered to this legal requirement. I insist on the immediate removal of the inaccurate information from my credit report, as mandated by the FCRA. The inaccurate information in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  - the information that you are reporting is not accurate- you have failed to investigate my inital requests- you have failed to respond to my inital requests This information needs to be DELETED immediately Failure to promptly rectify this situation will leave me with no choice but to pursue legal remedies and file a formal complaint with the appropriate regulatory authorities. I am prepared to take any necessary action to ensure that my rights under the FCRA are upheld and that my credit report accurately reflects my financial history. I expect a written response from your bureau within 15 days of receiving this letter, confirming the removal of the disputed inaccuracies. It is your legal responsibility to promptly address this matter and comply with the FCRA. 
I trust that you will take this matter seriously and resolve it promptly to avoid any further legal actions. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX - {$340.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX
Product: Vehicle loan or lease

I supplied NMAC MOTOR ACCEPTANCE CORP. WITH REPORTS AND DETAILED INFO ABOUT MY IDENTIFY FRAUDULENT LOAN OF {$13000.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I BEEN TRYING TO RID THIS FROM MY RECORD MANY TIMES. THEY REFUSE TO TAKE ACTIONS. I FILLED OUT THERE PACKET AND SUPPLIED ALL REPORTS. THEY KEEP SAYING IT'S EITHER IN REVIEW OR SEND IT AGAIN. I'VE BEEN HARRASED CONTINUALLY BY THEM AND THERE 3RD PARTIES. I'M NOT RESPONSIBLE FOR THIS LOAN AND WANT IT OFF MY RECORD. NOW THAT IT'S BEEN OUT OF A CERTAIN TIME FRAME THEY REFUSE TO HELP. I CALLED AGAIN TODAY AND THEY ARE UNABLE TO TAKE ACTION.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency Experian credit reporting agency and XXXX 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 an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXX XXXX  in on XXXX of XXXX for {$2500.00}, a credit account at XXXX  with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on XXXX, XXXX & Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Mortgage

Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days
Product: Credit card

I applied for a Discover Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.
Product: Bank account or service

I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. 
Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes
Product: Credit reporting or other personal consumer reports

I noticed that there was a " charge card '' account on my credit report from XXXX that was incorrect since I had never opened an account with that company. I called XXXX to confirm that there is no account. XXXX confirmed that there is no history of my name or social security number being affiliated with any account from them. Experian is the only credit Bureau to have this account on my report. I contacted Experian to submit a dispute to have this account removed from my credit report. The results of the Experian dispute were that they confirmed with XXXX that there is an account in my name with XXXX. I contacted XXXX again and they confirmed again that there is no account affiliated with my personal information. I filed a dispute once again with Experian, and the same result occurred. I contacted XXXX for a third time to confirm that there is no affiliated account, and they have confirmed this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and Equifax records, there is incorrect information being reported under section # 1681-0 Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )
Product: Credit card or prepaid card

On XX/XX/XXXX I called JCPenney card services spoke to a male rep because I received a letter on XX/XX/XXXX stating that they lowered my credit card balance. I asked them why and they stated they did a soft inquiry on my credit report and because of other factors they lowered my amount on my credit card from XXXX to XXXX  which made my utilization rate at 99 %. I told him you are not helping my score you are hurting my score. I also did not know that they could do a soft inquiry without my permission. I informed the rep that I was unhappy about this and I would like my amount usage to go back to XXXX. He stated to me that they would have to do a hard inquiry to do so. I told him that is not right and told him to close it. The rep told me that he had to first read me some disclosures and if I agree then he would close it. He read the disclosures and I hung up. I never called back and neither did the rep call me back. I get a letter on XX/XX/XXXXstating that they have closed my account. I called on XX/XX/XXXX and ended up speaking to XXXX a manager and he told me that it doesn't matter that I never gave the rep on tuesday the verbal authorization to close the account. By me stating before he read the disclosures to me that I wanted to close the account and I just hung up afterwards and did not give him an answer that says to them that I wanted to close. I then asked XXXX the manager about their policy on disclosures and he agreed that all customers have to give a verbal statement of yes or no. So again I asked how could they close my account and he stated that its what I said before the disclosures were read. I told him that I am not happy and I will not pay another penny until they rectify my account because I don't care what was said before disclosures. If you read disclosures and you don't have my verbal or hand written statement my account should not have been closed.
Product: Credit reporting or other personal consumer reports

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
Debt claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

Mortgage process horrible, from start to finish. You can never get a hold of your loan officer. I get a pre-approval letter. I get a accepted offer, but backed out because of inspection. I got the price down XXXX less than my pre-approval. I signed accepted offer & seller is asking for XXXX earnest money. Loan Officer even asked for appraisal money the 1st time, now her supervisor tells me I'm disapproved? I'm waiting for the letter to why, meanwhile I'm supposed to close on the house in a week, and maybe reliable for the earnest money of XXXX dollars. I was sent a pre-approval for XXXX about a month ago.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

My rights have been violated several times.

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

According to 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: Checking or savings account

I am a victim of identity fraud I never had a bank account with you guys. Please close all accounts. Ive also went ahead and filed a ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT NUMEROUS AMOUNTS OF REPORTS TO REQUEST FOR VERIFCATION OF REPORTS THAT ARE INCORRECT FRAUDULENT AND ID THEFT. I SENT AN NOTORIZED AFFIDAVIT THAT HAS NOT BEEN LAWFULLY ANSWERED ABOUT MY QUESTION OF METHOD OF VERIFICATION OF THESE ERRORED ACCOUNTS. THE HAVE NOT IN 6 MONTHS OF ME REQUESTING SENT ME WHAT I REQUESTED OF A COPY OF AN ORGINAL WET SIGNED CONTRACT BY ME OBLIGATING ME IN ANY FORM ID THEFT ACCOUNTS NEED TO BE DELETED, ID THEFT, FIALURE TO RESPOND LAWFUL WILLFUL VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/2019 XX/XX/XXXXXXXX XX/XX/2019 XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XX/XX/2019 XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

First a lady called from XXXX and said she was an investigator hired to get information about me and was i aware of a law suit and i told her no. And ask for what company? And she stated she cant tell me so she gave me a number to call which was XXXX and i explained i havent been working in almost a year and she threatened to take further action as in sue me or take me to court after trying to fix the debt. They been calling for months harassing me and other people as well