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

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax and in response to a letter I recieved on XX/XX/2022, but dated XX/XX/2022 ( attached labeled Equifax ID letter, requesting additional information to prove my identity. In their letter provided, Equifax stated that, " Because of the information that I provided as my identity, did not match the information they have on my consumer file, they could not process my request. Equifax also asked that I send a copy of two ( 2 ) different items, which is a violation of my consumer rights according to 15 USC 1681h. According to the laws, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). Equifax stated, " Again, we need a total of two ( 2 ) items- one from each of the categories '' provided in their letter that is attached, in order for them to process my request. According to congress, I XXXX XXXX, has provided all of the proper Identifying documentation needed to prove my identity and my address, as to which Equifax sent the attached correspondence to my address, that they are requesting additional information to prove its accuracy. I am aware that Equifax has all of the information needed to follow through with what is being requested of their company.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX 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 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.

Equifax 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: Credit card

I was locked out of my Amazon account ( my husband seems to recall we were trying to watch a movie through XXXX XXXX ). I called the number it said to call to unlock my account. The person said my XXXX XXXX had expired. I questioned that I thought my Amazon came due in the fall but the person said no, it had expired and that Amazon was offering a 3 year deal for XXXX XXXX at XXXX. Since I pay about {$140.00} a year for XXXX XXXX, I said this was a good deal and said OK to it. 
A few weeks later, I went through my Amazon bills and noticed that I am charged in XXXX for XXXX XXXX. I then called Amazon and asked if they were going to start this 3 year special at the end of XXXX, XXXX since my XXXX membership would not expire until then. Amazon rep said there was no deal for 3 years, and noted that customers are charged in XXXX every year. 
When I got my Amazon bill/ Chase Card statement ( I ONLY use this card for purchases on XXXX XXXX nothing else ) and noticed this XXXX charge- I began my dispute. 
I was billed this amount on XX/XX/XXXX and have not received any 3 year special discount from XXXX XXXX, nor any other goods or services. This needs to be resolved and Chase is not helping me. They did remove the charge once from my bill, but did put it back on. 
I have been back and forth for months between Chase card and Amazon and no one is helping me remove this fraudulent/ scammed charge.
Product: Student loan

I contacted USA student loans asking with help to get an accurate and genuine application, for getting my student loans forgiven. They lied and consolidated the loans and asked for {$100.00}. Turns out their fraudulent and is not a real company. They leaked my SSN number on the dark web. I obtained this information through checking my credit score through XXXX XXXX
Product: Credit reporting

I sent Equifax documents on XX/XX/XXXX2016 ( Signed Affidavits, Police report, and a Affidavit stating for Equifax not to contact me by email and that request is ignored repeatedly. ) I recieved my latest response XXXX/XXXX/2016, and the items i asked to be removed was stated to be verified. 
The fair credit reporting act requires : 1. A complete investigation, and 100 % accuracy. 
2. Items Verified from Original Creditor/not 3rd party info. 
3. All fraud items to be removed/police report XXXX XXXX ( not verified to FCRA guidelines ) Tax Lien ( XXXX ) item not verified to FCRA guidelines. 
Bankruptcy XXXX XXXX XXXX not verified to FCRA guidelines. 
XXXX Collection XXXX ( I have no contractual agreement with this creditor ) XXXX XXXX XXXX XXXX ( I have no contractual agreement with this creditor ) Inquiries : XXXX na XXXX XXXX ( not mine ) XXXX Bank ( not mine XXXX XXXX XXXX Cu ( not mine ) SC XXXX XXXX XXXX ( not mine )
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX ) XXXX RXXXX XXXXnquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.
Product: Debt collection

This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to Phillips & Cohen Assoc. Ltd without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. A formal complaint was filed with CFPB ( XXXX ) on this same alleged debt.
Product: Debt collection

On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my Experian report on XX/XX/2021. On XX/XX/2021 Experian released my credit report to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, Experian, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Product: Checking or savings account

My bank account was charged a ridiculous amount of overdraft fees. I have asked wells XXXX 6 times to remove that oversraft option. I simply can't offers it. A school program automatically submitted a purchase for XXXX and I was charged {$35.00} by wells Fargo, my car payment went in automatically and I was charges another XXXX. My pay was deposited and with the fees I'm left XXXX which means my XXXX cellphone payment will cost me another XXXX this isn't fair wells cargo needs to stop doing this
Product: Checking or savings account

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a notice from your company branch addressed XXXX XXXX XXXX, XXXX XXXX XXXX  with monotone format without any XXXX, even your company logo. It states the case number XXXX, which most likely can not find out my Bank of America online account about my account ending in XXXX. This letter was prepared on XX/XX/2024. I do not understand the sentence were not able to complete [ my ] request at this time, since as far as I remember, I did not request anything. Therefore, I request the investigation on this matter, since it might be a scam. 

Sincerely,
Product: Debt collection

XXXX said opened a account on XXXX XXXX 2000.I did not open an account then nor do I have one now. They say I owe {$7400.00}. I have no idea what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequium Asset Solutions has placed a collection account on my XXXX  credit report. I have called and spoken with them on 4 occasions and they say they can't find anything on me. The collection is for XXXX XXXX/XXXX  which I have never used their services. My last conversation was Sequium was going to get back with me which they haven't.
Product: Credit reporting or other personal consumer reports

I can not even file a dispute online with Trans Union they wont allow me I dont know whats going on and I dont appreciate that first XXXX keeps refreshing a fresh charger on my account reported in XX/XX/2024, this account is XXXX XXXX XXXX, they should not be reporting on this account I have disputed this numerous of times and complaining about it to you numerous of times
Product: Debt collection

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I am not able to give to get a home because this companies are lowering my credit score because they put collection accounts negative that are not mine. They never sent a verify letter and they have me in shelters because I could not get a home. I spoke to Transunion, XXXX and XXXX. supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep XXXX more things please need help the accounts are hard inquiries The collection accounts are those : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  is a closed account that appears on my credit report and is not mine Another XXXX XXXX account that is closed and XXXX/XXXX  is closed and is not mine removed those accounts that do not belong to me please. I need them to remove because by law I will take them to court because they are damaging my life and my kids not letting me get a home because they putting falls information on my credit report..
Product: Checking or savings account

I have contacted Wells Fargo Boards Communications several times regarding an overdraft charge on my account. XX/XX/2022 I notice the overdraft and immediately emailed them stating that I notice the overdraft charge and that there shouldn't be one because I am a federally protected consumer and this account is FDIC insured in the amount of XXXX which covers all deposit and transaction so why is my account in the negative? Not only have they failed to properly handle this issue but my account is as of today XX/XX/2022 still reflecting a negative balance so what are they using the insurance for? If there not using for accounts purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file landed with The Office of Consumer affairs for Equifax due to mix of files with someone else which to this day they refuse to admit it Denied Access to monitor my credit file online by me or any credit monitor agency institution that offer such service by blocking acces file monitor any innacuracies that where the result of a mix file which con they mon taken possession and claim as is their Their reason Equifax is blocking my credit file does not justified why I cant have access? It is done to protect my credit file this is absurd Incorrect information on a credit report Equifax consumer reporting agency investigation incomplete Improper use of my credit report refusing me access to it Being unable to get a copy of a credit score or file ; and Problems with credit monitoring or identify protection services because Equifax putting block on my credit file Variations between the credit scores and is provide to prospect lenders has led to credit harms from this error not been corrected. These harms include those resulting from inaccurate perceptions of my credit worthiness.

Access to credit reports : By demanding rigorous identity authentication questions to which is preventing me from accessing my credit reports.

Problems disputing errors : When reporting problems disputing errors directly with Equifax. In particular with account place on my credit file that o not belongs to me. by their inability to correct inaccuracies my reports with both Equifax and creditor This issue with Equifax has delayed the process when applying for credit, forgoing the opportunity to refinance my house and my car loan delaying a valuable mortgage refinancing.

As a result because of their inability I am been force to apply with lenders who offer less favorable terms instead of having what truly I might qualify for.

higher interest costs get you to risk and the likelihoods of default due to the greater costs and difficulty of making monthly payments can let too and all because Equifax negligence of correcting error.

I have try to have Equifax understand the important for them to respect of my right as consumer they intentionally have disregard it. This rights are guaranteed by federal consumer financial law whether they like or not, if no they need to be accountable I have follow the credit reporting complaint process but let me nowhere once the process was complete, I was dissatisfied with the resolution and the result because they did not follow protocol and in most cases the issue was not fully corrected until they did not longer have an option than to correct it
Product: Checking or savings account

Account # ending in XXXX Business name : XXXX  XXXX XXXX Location : XXXX, FL On XX/XX/2022 I filed a police report with the XXXX XXXX police department because I noticed there were unusual XXXX transfers from my business account, higher than normal amounts to XXXX individuals I had no knowledge of, in the sum of {$15000.00}. I contacted Bank of America to let them know and open a claim because {$15000.00} from my savings was a lot and I didnt know to who it was. A claim was opened, but Bank of America did not return the money that was STOLEN from me!! And I was left to deal with the $ XXXX LOSS from my BUSINESS ACCOUNT. Which is ridiculous and unacceptable! I have a whole POLICE REPORT to prove the theft! That I was unaware of! I need Bank of America to return my funds to me as soon as possible and investigate further
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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
Product: Debt collection

On XX/XX/2017 I submitted a police report, identity theft affidavit, proof of address, Identification, and statements, to XXXX XXXX XXXX notifying them they were reporting a account to the credit bureaus that was a result of fraud. 

The account number is XXXX. 

On XX/XX/XXXX and XX/XX/2017 I requested notification of debt because notification was never sent to a valid address. Collection agent XXXX confirmed that the original notice was returned by the post office as an invalid address. Even though the collection agent XXXX and supervisor confirmed that they never sent the notification of debt to a valid address they refused to send it to the address. 

The collection agent XXXX and supervisor said they could not send notice of debt because the item was in dispute yet on XX/XX/2017 they verified the fraudulent debt as valid to XXXX, XXXX, and XXXX even though they placed the item in dispute status for fraud on XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an amount that is appearing on my credit report from XXXX XXXX XXXX with account # XXXX for XXXX XXXX. I have never done business with either of these companies. I need company to provide me with written contract or deal that I sign with them or otherwise please have this remove from my credit report.
Product: Money transfer, virtual currency, or money service

I was scammed online by XXXX and he said about sending me a gift. But then fake courier milefast send an email to me requesting fees for an antiterrorist certificate, anti monetary laundering certificate, international monetary fund certificate. 
I requested a claim investigation for scam wire with my bank, Citibank in XX/XX/2021. Recently, Citibank closed the case because the beneficiary bank XXXX XXXX responds that the scammer withdraws all the funds and closed the account. The amount is {$2000.00} with reference number # XXXX. The second amount is {$8400.00} reference # XXXX. I
Product: Credit reporting or other personal consumer reports

Ive sent dispute letters to Experian & XXXX to remove certain info off my report. This was done in 2023 and I believe all of the incorrect addresses and name are on the reports.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions