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

MyEquifax will not let me log in, even after changing my password through their online password recovery workflow. The newly set password will not work on the login page and I am not told that the account is locked, so I assume it is not.

In addition, on the password recovery ( reset ) page, the social security field remembers past entries which is a massive security issue. This feature should be disabled for this field! ( Obviously I've had this issue with the page in the past and never got a resolution )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had automatic mortgage payments set up on my account for years with XXXX/XXXX/IMPAC Mortgage. I have not cancelled them nor has my bank account information changed nor has my account contained insufficient funds at any time. Yet XXXX/XXXX/IMPAC has not drafted payments for multiple months now due to unknown reasons starting in XX/XX/XXXX. 

I was first made aware of the problem after receiving a condescending letter in the mail in XX/XX/XXXX scolding me for not paying my mortgage - no voicemails or emails were received prior to this. I called XXXX 's customer service on XX/XX/XXXX, made all payments over the phone that I was advised to in order to bring my account current. I was told automatic payments were set up correctly and would resume. I also asked if there had been any negative reports made to credit bureaus as a result of their error and was told they would look into it and make sure it was rectified if there had been. 

Automatic payments did not resume as I was told, and I again received a letter on XX/XX/XXXX saying my account was past due. I AGAIN called, sat on hold, and made payments over the phone that I was told were necessary to bring my account current and again I was told that automatic payments would now resume this time. I was also told that there has been negative reports from XXXX   to credit bureaus regarding my account but customer service was unable to do anything about it on the phone. I asked to speak to a manager and the manager told me I would have to open a support request to fix this. 

I opened a case on XX/XX/XXXX and still have not gotten a response. I contacted the company again on XX/XX/XXXX without a response. Meanwhile my credit score has plummeted from XXXX to XXXX all due to this companies negligence and no fault of my own. The amount of time and effort I am being forced to spend to rectify this company 's errors is not acceptable.
Product: Prepaid card

I was issued a prepaid card for {$100.00} from a rebate. The card was stolen and there were fraudulent charges. I reported it and was told they would send a replacement and refund the charges. I have not received the replacement card or the funds that were stolen. I called to follow up and still have not received the funds back to my account.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account 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.

NAVY FCU 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: Debt collection

I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.
Product: Checking or savings account

Ok so I made a {$140.00} tire purchase from the site XXXX  on XX/XX/XXXX. I tried to cancel my order maybe about 30 mins after cause of the name of the charge it was under. Looked up their cancelation policy and how to cancel on their site and i had 2 hours to cancel the order after putting it in. I had no luck with contacting the supposed company through email or phone. My email just kept getting kicked back and the phone number does not work. I called my bank after and tried filing a dispute but they said I had to wait til transaction cleared to do that. The transaction cleared and I filed my dispute on the XXXX of XXXX. I sent in the the screenshots of my purchase receipt and the site with all their info. It got denied the first time caused rhey saus they needed receipts or other unfo to be sent in. I tild them i already did send them in and they got to check their email. I called back and they put it in rebuttal. During rebuttal I got emails from XXXX stating the shipping info and tracking number and also an email asking g if I received my package that was supposed to be delivered on XX/XX/XXXX. I got these emails on the XXXX of XXXX saw no package and called ups on XXXX. They told me that the tracking number I received was not a package for me and to call my bank back and file a dispute again. Called my bank back told them I got emails stating I was to receive my tires but didn't. And that I called ups about where they were and they told me that I was basically scammed and to call them ( my bank ) back. They asked me to send the screenshots of the emails to them of the tracking info and it got denied again ... so I'm here contacting you guys cause I'm out {$140.00} and didn't receive the tires I ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Fraudulent, inaccurate information consists of credit cards, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX  acct XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX and an XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX is being reported by Experian XXXX XXXX and XXXX XXXX I do not recognize the aforementioned accounts or collection accounts. These accounts that are being reported by Experian, XXXX and XXXX were not made, initiated or opened by me, these aforementioned accounts are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code
1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit card or prepaid card

Capital One issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.
Product: Vehicle loan or lease

On XX/XX/year>, my friend XXXX XXXX, who is living in New Jersey, called me to ask me if I could co-sign an auto loan for a new vehicle. I agreed. I was living in Florida at this moment. The agent at XXXX dealership in New Jersey told me the contract would be for 8 months, and after that, they would refinance the car, so my name will be removed from the contract. He sent me a contract with my mane as the main buyer. I called the agent and said that I could not sign this contract because I'm not the main buyer. He said to me, " Do not sign it, I'm going to send you a new contract with your name, as you want it to appear on the contract. '' A few days later, I received the contract for the amount of {$34000.00}. I signed it as co-buyer and XXXX XXXX as the main buyer. One day, I was looking at my account on the Capital One Auto finance app, I saw my name as the main buyer. I requested a copy of the contract from Capitol one auto finance after explaining to them that I didn't sign as the main buyer. They sent it to me. The signature on the contract wasn't mine because I didn't sign this contract. I let them know that. 

I called them multiple times to fix that problem, and they've never fixed it. And my friend started not being able to pay the car, until they repossessed the car. I was not the one who owned the car and was responsible for paying. Now, Capitol one auto finance messes up my credit, adding delinquency on my credit report, while they have never fixed the problem. 

I filed that complain about Capitol one and the XXXX dealership so they can remove all negative on my credit. And please, request all recorded phone calls from the dealership and Capitol one so you can discoverthetruth.
Product: Debt collection

This company has a collection on my credit report in the amount of {$3500.00} that they say belongs to me. I get threatening calls even to my family members that live on the east coast. Im writing to you because not only is this an issue but the fact that there are more than the account has multiple inaccuracies and its hurting my chances of buying a home. I have contacted them as well as XXXX and to no avail XXXX dis not do a thorough investigation on this matter. I want this account removed.
Product: Checking or savings account

My account was closed and I never received the remaining balance on that account
Product: Debt collection

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX  score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Portfolio Recovery Associates  XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

I recently obtained a copy of my credit report which was 30 days ago and i seen a lot of medical debt reporting to my credit report and as allowed under the Fair Debt Collection Practices Act, I sent out a variety of letters requesting the credit bureaus to allow me to validate the alleged debt. Also told them to provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  that is located in XXXX, VA to release my medical information to a third party or any other Collection agency 's. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Also told the credit bureaus to provide a breakdown of fees including any collection costs and medical charges - Also told the credit bureaus to provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar   verification is unacceptable. 
i also told the Credit bureaus that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. As of today which is XX/XX/XXXX I have not received any respond letters from either credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian was able to pin point which account was linked to what name variation and address and so was Transunion making it easy to identify Identity theft on my report. 
The Equifax rep was neither willing nor able to identify when or how they came to report the name on my Equifax report e.g. XXXX XXXX XXXX ( wrong ) vs. XXXX XXXX XXXX ( correct ). XXXX syllable seems trivial but it is enough to block a potential creditor from viewing a credit file because the information is inconsistent ... it blocked XXXX from accessing my report. After being on hold for 30 minutes to speak to a supervisor ( total call time 1 hour 09 minutes ). I spoke to a lead named XXXX, the lead for the blue team. I asked for a manager and waited 30 minutes to speak to a lead. After being denied the information from the previous rep, she acknowledged that the name " XXXX XXXX XXXX had been reported since XXXX 2014 '' but would not pinpoint which creditor reported or submitted a request using this name variation. She made no effort to advise how I could fix this issue but rather echoed the statement from the prior rep. I advised that I attempted to dispute this information on line so that I could scan my credentials. She acknowledged Equifax continues to have technical issues. 
In summary : First : Equifax was unwilling to help me identify which company reported the inaccuracy. Had Equifax provided me with this information, I would be able to contact the original creditor and have them correct the information. 
Second : Creditors I want to view my credit report can not do so because of inconsistencies in my report vs what I submit on an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a vehicle loan with XXXX XXXX XXXX as a co-signer on a vehicle loan for an acquaintance of mine that needed help with getting a loan. A XXXX XXXX XXXX was purchased at XXXX XXXX XXXX in XXXX, ND. The loan was in excess of {$23000.00} and was for 60 months. The other party on the loan had the vehicle from XXXX, it was repossessed in late XXXX, and never made any payments. At the time of the loan, I was not mentally or emotionally well and also was not cognitively aware of all of what was happening and did end up hospitalized after this as a result of my poor health. I do have a history of XXXX XXXX XXXX, financial mismanagement due to my brain injury and other mental health and physical health disorders including XXXX and XXXX. I did file a fraud claim with XXXX XXXX, but it was denied. I also filed a vulnerable adult report with XXXX XXXX XXXX XXXX, XXXX XXXX, MN ; but was told it did not meet the criteria of financial exploitation. The vehicle was eventually repossessed, and I am actively working with XXXX XXXX to rectify this situation. I am able to provide more detailed medical information to show that, at the time of entering into this loan agreement, I was mentally and cognitively unable to understand the situation.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to this issue.