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

I requested my annual free credit report from Equifax, but Equifax is unable to locate my credit file. I have talked to their agents on the phone, and written a letter to Equifax with all the information that agents directed me to supply. However, Equifax responded with a generic letter that does not help resolve the problem. Please help me get my credit file located with this company. 
XX/XX/2019, I tried to register with my.Equifax.com. The website would not grant me access, instead the site displayed the error code NH and directed me to call Equifax customer service. 
XX/XX/2019, I called Equifax customer service where I was on hold for over 2 hours. I was never able to reach an agent. 
XX/XX/2019, I reached an Equifax agent ( XXXX ID # : XXXX ) on the customer service line. I provided my full name, social security number, date of birth, and address. I also verified that I have had credit history for over 4 years. The agent was unable to locate my credit file and directed me to write this letter to the Equifax Dispute Department ( Equifax Information Services, LLC Attention : Dispute Department XXXX XXXX : XXXX XXXX, GA XXXX ), and to verify with my lenders that they have been reporting my accounts to Equifax. 
XX/XX/2019, verified that 2 of my lenders are reporting my accounts to Equifax ( XXXX and XXXX ). 
XX/XX/2019, I wrote a letter to the Equifax Dispute Department, requesting that Equifax correct and/or re-establish my credit file. I told them that the website, my.equifax.com, displayed error code NH when I try to access my credit report. I told them Equifax agents were unable to locate my credit file. I provided the requested information and documentation with the letter so that Equifax could investigate and resolve this issue, along with a photocopy of my drivers license, a photocopy of my social security card, and a copy of my current XXXX  credit report. 
XX/XX/2019, I received a letter from Equifax in response to my inquiry. The letter stated We received your request concerning your Equifax credit file. We are unable to locate a credit file for one of  the following reasons. You may not have a current file. You have not applied credit recently. You have not actively used credit in the past ten years. 
Equifax did not investigate the matter, and clearly ignored the information I sent to them. The information I sent to Equifax clearly showed that I do have a credit history, and that my creditors are reporting to Equifax. 
Please help me get my credit file located with Equifax.
Product: Checking or savings account

My husband wrote a check for {$1400.00} for our rent as we do every single month, which was dated for XX/XX/2020. On XX/XX/2020, our bank ( USAA ) took out {$3400.00} from our account. When I tried to pay for my childs school lunch, the payment wouldnt go through because of insufficient funds. When my husband asked the bank for our funds back, they told us they would need to investigate it and we would not receive a reimbursement until it was complete. When my husband asked how our children would eat at school if we arent able to pay for school lunch, he was told to just use a credit card, like it was no big deal. They said they wouldnt reimburse us for any late fees, insufficient funds fees, or interest accrued from any credit card we may need to use. Not only had the bank hung up on us previous to this final conversation, we were blown off and basically told to deal with it when we asked for our money back. So we now have no money, and Im not confident the bank is even investigating this matter. The customer service Rep said it was the fault of the other bank so nothing could be done to help us in the meantime
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX doesn't belong to me I don't live in nj I want it removed from my credit report immediately I live in Delaware driver license number is XXXXthat account was open fraudulent it's not mine
Product: Credit card

Hello. After review of my account I have identified unauthorized fraud transactions. I am XXXX XXXX to I can not call you. I can not locate my card at this time. Please NOTE I have just locked my card from further unauthorized use. Being XXXX XXXX  customer service refused to assist me via secure email. They simply have told me to call in after I told them I can not call them. I locked the card and would like new cards issued. The bank can email me or send me a secure message.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/2022 I sent letter and requested Experian to remove alert on my file and to send me a confirmation of same, I need confirmation of alert removed from my credit file Please send confirmation letter of alert removed from my credit file, through Consumer Financial Protection Bureau, ASAP within XXXX business days Please find attached letter dated XX/XX/2022 Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Experian XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX BANK XX/XX/2022 Experian XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX 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: Debt collection

I have a judgment against me from XXXX  from asset XXXX or XXXX  XXXX  they are trying to garnish my wages I can not have this I will lose my job if they do this they told me I could not pay what I could afford which is {$50.00} a month that they could come and arrest me if I don't pay more now they are garnishing my wages I am willing to pay them {$50.00} a month but I can not have my wages garnished I am the only person working in the household and I am barely making it with what I have every time I call to make arrangements they threaten me please help me with this matter and don't let them move forward with garnishing my wages
Product: Mortgage

I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from me.
Product: Debt collection

NCA - {$1200.00} Reported XXXX - XXXX, XXXX, XXXX I do not acknowledge this debt as my own and contest your claim of ownership. I request detailed documentation that proves the debt is legitimately mine. Specifically, please provide : The original signed contract or agreement associated with this debt. 
A complete account history showing how the debt amount was calculated. 
Documentation demonstrating that the debt was legally transferred to your agency or firm. 
2. Litigation Concerns : If there are any ongoing or planned legal actions concerning this debt, please provide the following : Details of any litigation, including case number, court jurisdiction, and status.

Documentation of any judgments or court orders related to this debt.

3. Verification and Documentation Request : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I request verification of this debt. Please provide : The name and contact details of the original creditor.

Documentation showing that your firm has the authority to collect this debt and any relevant court filings.

4. Cease and Desist : Until you provide satisfactory evidence that this debt is valid and properly assigned, I request that all collection actions be suspended. This includes ceasing any litigation efforts and reporting the debt to credit bureaus.

5. Response Request : Please conduct a thorough investigation and provide a written response with the requested documentation within 30 days from the date of this letter.

Thank you for your prompt attention to this matter. Please consider this letter a formal dispute and request for validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account XXXX # XXXX
Product: Debt collection

I got a letter from a debt collector company, Convergent, on XX/XX/XXXX claiming I owe XXXX XXXX {$190.00} and showing me a 15 digit account number. Problem is I can't verify my account number because my account doesn't exist in XXXX 's database, and my billing statements never displayed my full account number.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Cards : XXXX XXXX  XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 
XXXX. XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 

Inaccurate Late Payments : XXXX XXXX  XXXX XXXX  XXXX XXXX Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows late payments for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate and should be corrected. 
XXXX. XXXX ( Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows a late payment for the date XX/XX/XXXX. This late payment is inaccurate and should be corrected. 

Personal Loans : XXXX. XXXX  XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this personal loan. 

Collections : XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 

Unauthorized Inquiries : XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 

I request that the CFPB investigates these issues and takes appropriate action to correct my credit report. Thank you for your assistance in resolving these matters.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified XXXX XXXX XXXX XXXX # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights
Product: Money transfer, virtual currency, or money service

My Robinhood account went under review and during the review i am not able to transfer out any money or buy any positions with stock. I reached out to them and asked why my account is being reviewed and they did not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I received a response back from Experian in reference to a dispute letter I sent to them on XX/XX/XXXX disputing the error on the report of a Bankruptcy that needed to be removed. Their result came back as Verified, although the data furnisher they stated they used XXXX XXXX to verify has removed the Bankruptcy from the my profile which they sent me a letter confirming this information, this letter was attached with the dispute letter I sent in demanding removal. I called an spoke with a XXXX XXXX at Experian disputes and he states he was not able to locate the documents I sent in, although the dispute was clearly opened by the letter I sent in. The representative stated that it's possible the documents could have been lost or not scanned in. I advised this is a serious matter as this pertains to sensitive information and if misplaced or lost this could be in the wrong hands. But the only reply back from the representative was " Yea, I understand, but the decision was made that the item was verified, is there anything else I can help you with? ''
Product: Credit card or prepaid card

I closed my account due to fraud. I have a judgment against the people who used my cards and credit without my knowledge nor consent. This is why I closed the secured credit card last year. Instead of closing the card, Elan Financial has now billed me for the same amount of the credit. Basically, I had {$300.00} worth of secured money for the card, when I closed the card, everything was paid off. Instead of keeping the card closed, Elan Financial is now claiming I owe {$300.00}. When I've called them to dispute and state it is fraudulent, they continue to bill me and damaging my credit. This has caused me stress and ruined my credit history. My score has continued to drop due to the wrongful and illegal reporting. 

This is a money grab!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credit report dispute to Equifax on or around XX/XX/2019 requesting them to delete an account that is listed as a collections account because the debt collection agency is not licensed to collect debt in the State of North Carolina, the state in which I am a resident. Equifax completed its investigation and did not delete the account, but instead updated the entry and updated my address. Information on this dispute is as follows : Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Amount Owed Being Reported : {$340.00} I am attaching a copy of my NC driver 's license as proof of residence.
Product: Credit reporting or other personal consumer reports

noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( XXXX, XXXX, and Equifax ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : XXXX : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' Equifax : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about Wells Fargo removing my credit card account from my credit report / failing to report it.
Product: Vehicle loan or lease

X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you