23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report. 

( XXXX ) In general. A consumer reporting agency XXXX not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than XXXX years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after XXXX years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

XXXX XXXX did not provide me the option to opt out before reporting on my credit, 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.
Product: Debt collection

THIS ACCOUNT DOESNT BELONG TO ME I DONT RECALL EVER OPENING UP A ACCOUNT WITH THIS COMPANY AT ALL
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. Navient- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to Navient and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to Navient to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I submitted documents to XXXX and Transunion showing that I demanded debt validation from XXXX XXXX XXXX XXXX. XXXX and Transunion concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Product: Student loan

In XX/XX/year>, Mohela started withdrawing payments directly from my bank account for a Parent Plus loan that was paid off YEARS ago through XXXX XXXX student loan servicer. 

I did NOT authorize Mohela to withdraw money from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information on the credit report. They are reporting a collection account in the amount of {$220.00} is being reported by XXXX XXXX , XXXX. This is not my account and needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for free credit monitoring with Experian. 

I was never informed that my free subscription would convert into a paid subscription, but in XXXX of XXXX Experian began charging me {$24.00} a month for my membership. 

I finally discovered this a couple of days ago and immediately canceled my membership and disputed all the charges that my bank would allow me to. 

Experian immediately issued refunds for the 4 charges that my bank let me dispute, I suspect this is because they knew they were engaged in deceptive business practices and never had grounds for charging me in the first place. 

I find Experian 's behavior especially egregious in the wake of the XXXX XXXX XXXX XXXX I can't imagine I was the only consumer who was unknowingly charged by Experian under similar circumstances. 

My bank has been able to work out the charges from XXXX, but I am still working on recovering the XXXX XXXX  from XXXX. I have spoken with Experian and they refuse to refund the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I CHALLEGED THE ACCURACY OF LJ ROSS ASSOCIATES BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  RESIDENT & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Debt collection

This is my DEMAND LETTER to Gurstel Law Firm P.C. and the attorneys at the Law Firm who have violated Fair Debt Collection Practices Act. Please see attachment for detail of list of attorneys and proof showing which federal violations they committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off 5 accounts on my credit report that has been posted and I have already paid it off
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was a data breach on behalf of Equifax Information Services LLC there was a settlement in the amount of approximately XXXX XXXX Dollars of XX/XX/XXXX. This settlement proves the they were not protecting consumers personal information nor were they making sure that my information did not get into the wrong hands better yet in the servers of scammers here and abroad. 
Thank You
Product: Vehicle loan or lease

I am writing because I and co signer XXXX  XXXX XXXX being XXXX  for a fraudulent loan with Exeter XXXX. They creditor is causing me less than equitable opportunity to dispute the agreement with has violated the XXXX as well as XXXX. I have filed for arbitration with XXXX  ( case number XXXX ) and have sent the company notice via certified mail. They are continuing to threaten my ability to obtain a job to survive and raise my family, which is threatening my housing and stability. Due to this unfair reporting that we have a balance owing that is currently in dispute and that payments are late. The vehicle is not in working condition as I demanded the pre sales inspection documents, none of the defects were listed. They include but are limited to collapsed motor mounts, PVC valves, etc.. which has further impacted my ability to perform in my independent business ventures. And seek employment, which I have been deemed ineligible due to this unauthorized use of my credit profile. I do not consent and was not given the Gramm-Leach Biley Act as I am just learning that I can decline this intrusive violation of my privacy. I was not given a recession document which is required by federal law. I was told that I was pre-approved for XXXX and when signing the retail agreement asked why there was an additional XXXX on the balance. I was told that it was a warranty, I asked " was this a condition of my approval since I was only offered XXXX '' the finance rep replied " yes, it is. '' I later found that he lied to us during finance transaction. I wrote the XXXX XXXX XXXX to complain. I was put on the phone with his superior in finance and he made light of this unlawful transaction and violation of my consumer rights. As he tried to explain the charges to me since I was unable to make an informed decision. We also gave a cash down payment on what was to be a credit transaction. We were not given a signed retail agreement at the time of transaction, it was unsigned and in an envelope. I had to write the XXXX  XXXX XXXX to get a copy a month later when I was reviewing the agreement again for more fraud. We both were also given XXXX denials letters from varies creditors, when I gave no permission or signed no XXXX form authorizes my XXXX to be given. Which is identity theft, we did not consent to this as we were told I was pre approved. I would like Exeter to remove themselves from the XXXX XXXX XXXX, as I have sought remedy through administrative process from this unfair and abusive agreement, the was unclear and falsely marketed. Due to this I have had my consumer right violated, by means of TILA, DTPA, FCRA. I want the title to the vehicle in my name and any POA given revoked. I have many more emails trying to work with dealership in finding clarity in the agreement as all I see is clear violations of my rights.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report listed below : EQUIFAX : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Checking or savings account

I attempted to apply for a bank account numerous times, and i was told I was unable to get a account because I was in XXXX and XXXX XXXX by Bank of America. I reached out to them, and they told me how to obtain my consumer disclosure reports. While reviewing the reports, I realized i was a victim of identity theft. I made a claim to get the information removed from the reports. However, Bank of America did remove account ending in XXXX and not the other account ending in XXXX, stating that I did not file a fraudulent claim for that account. They told me to file one for that account. I also was advised to send them this report in connection to the identity thief that Ive been a victim off. Please assist with the removal of this erroneous and untrue information that I am a victim of. Thank
Product: Credit card or prepaid card

Received a phone call on my landline stating the call was from Wells Fargo credit cards services and my card was used in a purchase. The call came from XXXX and XXXX o not own a Wells Fargo credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a long-standing excellent credit score, with credit monitoring for fraud and ID theft, etc., no debt, all on-time payments and my XXXX score is XXXX. When I went to buy or lease a new vehicle, I was expecting to get the BEST rate possible and for some odd reason, was denied it at the dealer. So I did not get the best rate! 

A week or so later, my " big 3 '' credit reports came from XXXX, XXXX and TransUnion. Although The first two correctly showed my credit score as XXXX, I received a " Notice of Adverse Action '' from TransUnion for XXXX Factor information not available ''? 

I am trying to file a dispute but their website makes it almost impossible and I need to call when I'm busy at work and have no privacy. I attempted the chat feature and after the agent telling me repeatedly she was working on it, I was disconnected! Can you please assist me?
Product: Credit reporting or other personal consumer reports

Transunion : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, there is an account with an inaccurate loan amount that needs to be corrected on both credit reports ( Transunion & XXXX ) - DEPT OF EDXXXX Reported : XXXX XXXX, XXXX {$33000.00} ( The proper loan amount on this account is {$3300.00} ) XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Furthermore, I am requesting the removal of two student loans that are listed below as well on both reports ( transunion and XXXX ) that are listed as closed : 1. US DEPT OF EDUCATIONXXXX Reported : XXXX. XXXX, XXXX {$0.00} ( Closed ) 2. US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX {$0.00} ( Closed ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

I received notice that there was fraud created on my capital one account. When I contacted capital one to inquire about what type of fraud they would not provide any information. They required that I provide them a copy of my driver 's lic ( front and back ), a copy of my SS card, a bank statement, along with a bill verifying my address. All of these documents were provided, but they continue to find excuses as to why they will not accept my forms of identity, first, my auto insurance bill was not acceptable then I sent the cable bill, then they wanted a copy of my bank statement without my account number blocked out ( why do they need my banking account number ), now the excuse is that they will not accept my SS card because it was laminated. I have bent over backward to getting them the information to prove who I am, but yet they will still not provide me with any information as to what is going on with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Product: Credit card

I've had a XXXX XXXX AMEX credit card for many years. XXXX and AMEX advertised and encouraged the use of this card for earning miles, MQM status boost and MQD waver. This card carries a XXXX XXXX/year annual fee. My card renewed on XX/XX/XXXX and the {$250.00} annual was charged to my account. On XX/XX/XXXX, Delta/AMEX announced changes to the Skymiles program that basically rendered this card useless and a waste of money for the annual fee. I immediately called AMEX to cancel my card which they did, however, they refused to refund the annual fee, even after elevating the issue to a manager. I've been a loyal AMEX credit card holder since XXXX. Clearly XXXX and AMEX have been working on this change for quite some time, potentially years. They fraudulently and misleading allowed people like me to renew the card for benefits that would no longer be available in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. Please update status.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I had an existing mortgage with Wells Fargo Bank that was sold to them in XXXX or so. In XXXX, while going to school through a re-training program with Washington State Unemployment, I fell behind 5-months in payments. During the next 2-years, Wells Fargo had me complete three ( 3 ) different trial payment plans ; I completed them all successfully. They promised that I would get a loan modification after EACH one ; however, when the last trial plan was completed, Wells Fargo said that if I paid an additional {$7000.00} ( exact figure in my files in attic ), then they would give me the loan modification! The Housing Specialist wouldn't even give me the details of the loan ; she said unless I paid the additional funds, they would move forward with foreclosure. Well, I didn't have the additional {$7000.00} so I had to let them foreclose. 
I complied with them and communicated with them every week for 2-years. They had six ( 6 ) different Housing Specialists that were assigned to my mortgage case over the 2-years. Each time it changed hands, I had to practically start all over again by sending them redundant information. I did comply.

At the time, I felt this was extortion! I completed three trial payment plans where most people only had to complete one! Why was that? Then to be required to pay the additional $ XXXX in order to get information on the loan modification? It was all very stressful and made me physically ill to let the house go that I loved so much. 
I do hope that Wells Fargo gets punished for this awful deed. I know I wasn't the only one this happened to ; they bilked billions of dollars from families like myself. 
Thank you for you help, XXXX XXXX XXXX