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

Equifax can not locate my credit file. 

In applying for a home mortgage I discovered ( was notified by my lender ) that XXXX  and XXXX  were reporting my credit, but Equifax was not. 

This does not make any sense, as I have had credit cards for over 6 years - through XXXX   XXXX XXXX and XXXX XXXX. I have contacted XXXX XXXX  XXXX and XXXX XXXX and they both confirmed that they were reporting my accounts to Equifax. 

I have contacted Equifax monthly for over 6 months now, and they have told me the same thing every time : " Equifax can not locate your credit file. '' I have responded that that is the exact problem I am trying to solve and every time they have insisted to me that the only way to solve this problem is to mail or fax them a copy of my Driver 's License, Social Security Card, and a cover letter explaining why I'm sending them this information. I have done this four times now, three times by fax and one time by mail. Two times I have gotten the same letter of response saying " Equifax can not locate your credit file '' ( attached documents ), and two times I have not gotten a response at all.

Now I am trying to buy a house and my mortgage lenders will not give me a loan with only two out of three credit reporting agencies reporting my credit. I have been dealing with Equifax for nearly 9 months with this issue, and they seem to be careless with my personally identifiable information - Social Security card and driver 's license, along with cover letter stating my addresses over the past five years. 

Is there anything that can be done to get Equifax to recognize that I'm a real person and report my credit? I'm a Federal Government employee who has had finger prints taken and background checks performed, and have an extensive borrowing history through XXXX  XXXX XXXX and XXXX XXXX. My credit score is excellent, and I have never missed a payment. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was advised that money was transferred from my savings account to my checking account and then transferred to another institution. Despite numerous conversations and a 3 hour drive to the XXXX XXXX XXXX, I did not find out until XX/XX/XXXX that I needed to sign a document which was then emailed to me. I was told on XX/XX/XXXX that I should hear within a week. As of today, XX/XX/XXXX, I have heard nothing. I am attaching documentation showing all the contacts that I have made.
Product: Credit reporting or other personal consumer reports

It was reported on XX/XX/XXXX I applied for or received funds in access of {$210000.00}. The date is the date I started working. This account was added after I met with and retained an attorney for a XXXX XXXX bankruptcy. My bankruptcy started XX/XX/XXXX and was discharged XX/XX/XXXX. If I had that amount of money it should have been documented in a bank account of mine and subsequently been denied a bankruptcy ; beings I only owed $ XXXX on my mortgage at that time. There is no financial aid XXXX XXXX XXXX XXXX giving out $ XXXX. Maybe if you are attending law school or Doctor school which I am not. I did not apply for and never received any funding for that amount. I havent even applied for school in XXXX to the present day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and JP Morgan Chase. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summit my police report to all three reporting agency XXXX  and XXXX  have deleted the items I disputed but experian refuse to delete the same items, I have of my identity thef and my police report
Product: Consumer Loan

In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. 
In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.
Product: Debt collection

A debt collection company named  XXXX   XXXX   XXXX  continuously sending me letters during the past  2-3 years  asking me to make a payment of {$660.00} they claimed that I owe Bloomingdales. I have never applied a credit card, or never did I purchase anything that did n't pay at first place in Bloomingdales, so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a few fraudulent accounts appearing on my credit report. 
XXXX. I C System XXXX {$470.00} XXXX. XXXX XXXX XXXX {$28000.00} XXXX. XXXX Na {$7800.00} XXXX. XXXX Na {$10000.00} XXXX. SST/Medallion {$17000.00}
Product: Checking or savings account

This information is for a case already opened for a issue I am occurring and can't add more to that case. 

Between from when the fraud on my Wells Fargo checking account occurred and to XX/XX/year> ; there has been more fraud/identity theft presumed. One of my personal credit cards were used fraudently all across from XXXX to even XXXX on purchases that were not authorized by me. Additionally, someone attempted taking a loan out in my name, address and social security number. Luckily nothing came to the loan, only the credit card. I called both parties of the credit card and loan company and they both helped me resolve the issue. I am sick and over all of this and have contacted my local FBI department in XXXXXXXX XXXX. They and the loan company both agree that this is a matter of identity theft. I have froze all my credit cards and all of the credit bureaus until this matter is solved and/or the FBI has solved/fixed the issue. This has been nothing but a headache and gut wrenching. I am to the point of almost struggling due to all of this. 

XXXX XXXX : XXXX I am writing to file a formal complaint regarding the handling of a fraudulent withdrawal from my account. I recently discovered that {$98000.00} was fraudulently withdrawn from my account through wire transfers. While I appreciate the return of {$25000.00}, I find it unacceptable that only a fraction of the stolen amount was reimbursed. I want to emphasize that I took every possible precaution to protect my account. I did not open any suspicious emails, respond to any messages, or answer any phone calls that could have compromised my security. Despite my efforts, my account was still compromised. A Wells Fargo investigator did mention something about " sim phishing '' The fact that only {$25000.00} was returned to me implies that I am somehow at fault for this fraudulent activity, which is simply not the case. I urge you to reconsider your decision and provide a reimbursement for the full amount stolen. I expect a prompt and satisfactory resolution to this matter. Failure to do so will leave me no choice but to escalate this complaint further. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone made credit card payment from checking my account, credit card does not belong to me. 
Bank of America checking account # ending XXXX. 
Credit card from Bank of America bill paid to card ending # XXXX, does not belong to me and belong to fraudster. 
Fraud claim with Bank of America # XXXX. 
Please resolve this issue. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX XXXX they couldnt give me no answer to what I was asking
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Notified company of fraudulent activity on my credit card on XX/XX/2020 and reported it to the police as well and recieved a claim number from them. 

In addition to the fradulent charges the billing address on my account was incorrect. I notified them and the credit bureaus of this incorrect information. 

On XX/XX/2020, I recieved a letter telling me the charges were NOT fraudulent and they appeared on my credit card statement again. I spoke with their fradulent security operations who refused my fradulent claim and explained again that I did not make these charges and I DO NOT and never have lived at the address they claim belongs to me!! They said " the facts and or information reviewed as part of the investigation does not substantiate the claim of unauthorized use ''. 

In addition to this, I closed my account on XX/XX/2020 and they issued a new card ... they sent that card to the Wrong ADDRESS and again fraudulent charges appeared on the new card ... which I NEVER RECIEVED or authorized use!!!
Product: Consumer Loan

I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.
Product: Credit reporting or other personal consumer reports

I reached out to three credit breau to remove in acurate information of public file bankruptcy XXXX XXXX  has removed the bankruptcy but all three have both received but telling me they will remove and hasnt been removed it has been 30 days and now they are giving me another date and told me if I dont like to file a complaint.
Product: Money transfer, virtual currency, or money service

I closed two of my PayPal accounts last year. I closed the first account, which was a normal PayPal balance account, in XXXX XXXX XXXX I closed the second account, which was a PayPal business account, in XXXX of XXXX. I expected to be able to either access my final statement online through the PayPal website, or to be sent a paper statement through the mail. After I had closed my accounts, I could no longer access the website, which was fine. However, I never received a final mailed statement for either of these accounts. I attempted to contact PayPal on XX/XX/XXXX to see if I could have them either mail or email my final statements for these accounts. The representative XXXX XXXX XXXX from PayPal stated that I could no longer access these statements as my accounts had been closed. XXXX also stated that no one at PayPal could access my past statements as when I closed my account it was " good as deleted in our system. '' I am unsure why PayPal as being told this, as generally financial institutions are supposed to keep records for 5-7 years for tax purposes? I could be mistaken but it seems odd that PayPal would wipe someone's financial history because they've closed their account. I would like my last statements from these two accounts as there was no way for me to access them prior to my account closing, as PayPal doesn't generate statements until the following month.
Product: Credit card

I currently have a Chase Credit card in good standing. Over the past year, Chase has attempted to open XXXX fraudulent credit cards in my name, including hard credit checks. Under FCRA, I understand I have the right to receive a copy of the fraudulent application that was filed in my name. I have made numerous requests to Chase and they state they are " unable to provide this information. '' As recently as tonight, I spent XXXX hour on the phone with Chase. I was escalated to supervisor XXXX. I again informed her that I wished to exercise my rights under FCRA. She stated that her instructions were to inform the customer that she Chase is not provisioned to provide that information and to transfer to a phone number. I asked repeatedly if this phone number was another department within Chase and she said yes. Ultimately, she transferred me to the automated FTC identify theft line that provides pre recorded advice about freezing ones credit. I am filing a complaint, because Chase is refusing to comply with FCRA. My desired resolution is that Chase provide me with all documents it is required to provide me with under FCRA, redo its call center procedures to comply with FCRA, and compensate me for my time. Additionally, I think its ridiculous that Chase continues to open fraudulent accounts for an existing customer when I have informed them numerous times that I have no desire to open another account with Chase, and have asked them to flag my name and perhaps call me first ( they certainly have my contact information ) before proceeding with opening additional lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax started report me and countless other users as deceased. 
I feel that Equifax should be shut down as it has proven time and time again that it is unable to operate in the best interest of consumers.
Product: Debt collection

I can't even get the First Loan website to load but they sent me a copy of a contract from 3 plus years ago that looks like it has my initials on it, but it's a tribal loan at 757 % interest. They're requiring payment by this Friday in order to settle for XXXX something dollars. It doesn't make sense. I think they are scamming me, but I don't know for sure. Also, 757 % interest is illegal in Florida so I don't understand how they could even attempt to collect. Provided alleged contract is attached. But the company seems defunct.