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

I spoke with a Equifax manager on the phone XX/XX/2024, and he advised me that I would have to wait XX/XX/2024 for XXXX XXXX to fall off even though I kept stating that all debts with XXXX XXXX were paid in full. XXXX XXXX rep informed me that documents were sent to all 3 credit reporting bureaus on XX/XX/2024 and I would see the hard inquiry disappear from my credit reports. Equifax is showing that I still have XXXX XXXX hard inquiry. Please remove/delete both hard inquiries at the earliest possible time.
Product: Debt collection

On XX/XX/2020, Collection Professionals called me and said I owed them over {$400.00}, plus interest. I told them that I have been making weekly payments directly to XXXX XXXX XXXX XXXX, because Collection Professionals does not accept XXXX XXXX. The collector said that I still owed them {$400.00} plus interest in spite of that fact. My balance at that time was about {$250.00}. XXXX 's actions amount to illegally charging interest for an amount I don't owe. Their actions also constitute harrassment, since they have nothing to do with me resolving my debt.
Product: Student loan

I ordered copies of my credit reports after receiving notification alerts that my scores had dropped. After reviewing my reports, I noticed that Aidvantage is reporting all of my student loans as being in default but also as being part of a bankruptcy case. On two of my credit reports Aidvantage is being listed five times whereas it is being listed twice on another credit report. I initially followed the dispute process and disputing all of my accounts with Aidvantage as being reported incorrectly. The credit agencies sent my results showing Aidvantage verified all of the accounts as being reported correctly. The loans were in deferment, but I applied for loan forgiveness due to several years of Public Service and was approved. My loans were first consolidated and then approved. I did receive a initial letter stating forgiveness, but the letter was destroyed in a house fire. I mailed a certified letter to Aidvantage questioning the reporting as well as requesting for a verification letter so that I could send the letter to the credit reporting agencies. I received no response. Most recently, contacted Aidvantage and spoke to a representative explaining the same situation. The representative placed me on hold for approximately seven minutes to receive my file. I was informed that a copy of the original letter I was sent showing satisfaction of the loan through forgiveness would be mailed to me. However, I was sent a generic letter dated XX/XX/, showing the consolidated amount and interest rate of 5.000 %. Nowhere in the letter is there any mentioning of my loans being forgiven or my account being closed with a XXXX balance. When I log into my account, a XXXX balance is showing, but the credit reporting agencies will not accept a printout from the computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 EQUIFAX dropped MY CREDIT SCORE XXXX POINTS TURNING THE VERY ADVICE THEY LIST TO IMPROVE CREDIT AGAINST ME 1 : PAY DOWN CREDIT CARD BALANCES AND LOWER CREDIT USAGE-I PAID DOWN ALMOST {$4000.00} IN CARDS AND NOTIFIED THEM IN A DISPUTE-WHICH TOOK ALMOST A WEEK RE THE COMPLAINT WHERE THEY WERE STONEWALLING ME -AND BLOCKING MY ACCESS TO DISPUTE THE NEXT COMPLAINT AS THEY HAVE JUST DONE AGAIN TODAY XX/XX/2022 AT XXXX XXXX  eastern time PLEASE SEE A PICTURE OF THIS ACTION WHICH THEY HAVE DONE AT LEAST 10 TIMES AFTER ONE ATTEMPT AT LOGIN TO MY EQUIFAX AS A DELIBERATE AND PREMEDITATED MOVE TO DENY MY RIGHTS PER THE FAIR CREDIT BREPORTING ACT FORCING ME TO SIT ON THE PHONE FOR HOURS AND SPEAK WITH PEOPLE FROM XXXX, XXXX ETC OR WHEREVER WHO ARE DIFFICULT TO UNDERSTAND AND USE THEIR NATIONALITY TO CONTINUALLY BLOCK MY EFFORTS FOR A FAIR AND EQUITABLE DESCRIPTION OF WHAT I WISH TO DISPUTE WHICH ARE THE OBVIOUS DELIBERATE ACTIONS TO SABATAGE MY CREDIT DUE TO THE FACT I WISH TO EXERCISE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT XX/XX/2022 EQUIFAX JUST DROPPED MY CREDIT SCORE ANOTHER XXXX POINTS FOR THE SAME VAGUE REASONS THEY DROPPED IT IN XX/XX/2022 MAINLY FOR PAYING OFF THE REMAINDER OF THE XXXX ( {$25000.00} CONSUMER LOAN ) AND PAYING DOWN {$4000.00} IN CARDS, NOTE PRIOR TO PAYING ALL TJESE BILLS MY SCORE IN EARLY XXXX WAS XXXX IT IS NOW XXXX THIS IS INEXCUSABLE AND I DEMAND A FULL EXPLANATION FROM EQUIFAX.
Product: Checking or savings account

My company XXXX XXXX XXXX XXXX in XXXX, MD has a customer who banks with M & T Bank. We entered into a payment arrangement with the customer whereby she authorizes us to prepare a check from her account and deposit it to our account at XXXX XXXX. To be clear my complaint is not with XXXX XXXX  but with M & T Bank. 
We prepared the check for the month of XXXX as we always have with the proper account number. The check was returned by M & T bank to our account with XXXX XXXX  with the notation that the Bank ( M & T ) was unable to locate the account. I contacted the customer and she assured me that the account number had not changed. We were charged {$12.00} by XXXX XXXX  as a result of the negligence of M & T Bank. We then prepared a new check on the same account and the check was paid. M & T bank needs to reimburse my company the {$12.00}, I went to the local branch of M & T and they were of no help. I received a call from the manager today. XXXX XXXX. When I explained the situation to her. she said they would need to charge her customer for the negligence of the bank. I said that is not right. She proceeded to hang up on me.
Product: Credit reporting or other personal consumer reports

I have been complaining to the XXXX credit bureau about these fraudulent accounts. I did everything they told me to do and I haven't received a response.
Product: Checking or savings account

On XX/XX/18 Wellsfargo Bank unfairly revoked my debit card after filing claims for non received merchandise from merchants transactions without ANY warning This is defamation & slander. I demand IMMEDIATE reinstatement of card ending in XXXX, or if not possible issuance of new card.
Product: Mortgage

LoanDepot has held my money in escrow account. They claim to have submitted {$4500.00} to the tax authority on XX/XX/XXXX, but the tax office has NOT received it as of XX/XX/XXXX. I have contacted LoanDepot over 25 times and no one knows where the money is. I just get the runaround every time I call.
Product: Debt collection

There are 2 collection accounts that are reflecting on all 3 of my credit reports that Ive never authorized or signed for and theyve been contacting me stating that it will remain on my credit reports negatively until I pay them off. I do not have any accounts with these collectors.
Product: Mortgage

My home mortgage account was with XXXX Bank and it was sold to LoanCare XXXX. I recieved a notice from XXXX bank about a month and a half ago informing me of this. I have not received any correspondence at all from LoanCare XXXX. I am concerned after reading reviews about this new company that this is their common practice to trap people into paying unnecessary fees.
Product: Vehicle loan or lease

As you can see two payments one year apart did not apply funds to principle. XX/XX/XXXX payment of {$370.00} principle- {$310.00} interest- {$63.00} but only {$60.00} was credited to account. XX/XX/XXXX Payment XXXX Principle- {$290.00} interest- XXXX But XXXX $ was credited to principle. Not to mention the interest charged on the XXXX for over 12 months. So that breaks down to {$600.00} not including the charged interest of 8 %. I am trying to pay off this loan to get a lower interest rate. they seem to be dragging there feet as they continue to charge me interest daily. I called on a Monday they said call back fri or Monday following week. it has been 2 weeks and still no one is fixing this issue. They keep playing and saying there is no way for us customers to get a hold of that dept.
Product: Checking or savings account

I caught someone trying to use my debit card number by email. i had alerts set up on my account. i called wells fargo immediately and they cancelled my card. They said they would send out another debit card.. Almost 3 weeks later i still do not have my debit card. I have called wells fargo repeatedly and they said it is on the way. # three weeks is unacceptable. They should have sent this card out priority I just saved them thousands of dollars catching someone from stealing. Now all my bills are late and my credit will suffer because of my auto drafts set up to pay using this debit number they closed.

They have penalized me for catching a criminal and saved them thousands.

Wells Fargo should be awarding me not destroying me... Evidently, they reward criminals for stealing because I am the one suffering.

Solution : Wells Fargo Pay me {$10000.00} for the hassle and to repair my good standing in the credit community. This will cover credit repair and my time.! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are XXXX XXXX American Credit Acce XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding fraudulent activity on my XXXX XXXX account. Despite my efforts to ensure the security of my account, I have noticed unauthorized transactions that I did not make, approve, or authorize.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I've recently submitted an dispute letter in regards to my identity being stolen and accounts being opened. I've received and updated copy of my report showing progressive car insurance and i am totally not aware of that fraudulent account my car has been registered in my name I've stuck with one car insurance never switched. as you can see my payment history is A1 and not messed up. Please review and remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on XXXX/XXXX/XXXX. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at XXXX  this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that XXXX  just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as fisherman in XXXX  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX-18 )  2. XXXX XXXX ( XXXX-18 ) 3. XXXX XXXX ( XXXX-18 ) 4. XXXX XXXX ( XXXX-18 )
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Notice to Sue for Inaccurate Reporting of XXXX Dept. of Education Account Dear Equifax Legal Department, I am writing to formally notify you of my intent to take legal action against Equifax Information Services LLC due to your continued failure to accurately report information on my credit report, specifically related to my XXXX / Dept. of Education accounts, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

Despite submitting multiple disputes, your company has failed to correct damaging and inaccurate remarks associated with the following student loan accounts : Account : ***** with a balance of {$4700.00} ( as of XX/XX/year> ) Dept. of ED / XXXX Account : {$2100.00} and {$2500.00} in good standing US Dept. of Education/XXXX : Closed Summary of Events : 1. I have formally disputed the inaccurate and damaging remarks regarding my XXXX / Dept. of Education accounts several times, beginning with a dispute in XX/XX/year> and subsequent disputes. 
2. Despite providing clear evidence, Equifax has continued to allow inaccurate remarks, such as references to Bankruptcy XXXX XXXX and Student loan - payment deferred, to remain on my credit report. These remarks were removed between XX/XX/year>, and XX/XX/year>, yet inaccurate remarks were added again between XX/XX/year>, and XX/XX/year>, causing further damage. 

3. The failure to correct these errors has caused a total credit score reduction of XXXX points, comprising an initial XXXXpoint drop and a recent XXXXpoint drop.

Violations of Federal Law : Equifax is in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for failing to conduct a reasonable investigation and for neglecting to correct inaccurate information on my report. This has caused me significant financial and emotional harm, including being denied credit and facing higher interest rates. Additionally, the repeated reporting of incorrect information after disputes constitute a willful violation of the FCRA ( 15 U.S.C. 1681n ), exposing Equifax to potential statutory, actual, and punitive damages.

Legal Demands : 1. I demand the immediate and permanent removal of all inaccurate remarks related to my XXXX / Dept. of Education accounts from my credit report. 
2. I seek monetary compensation in the amount of {$50000.00} for damages, including financial loss, emotional distress, and psychological harm caused by your companys negligence. 
Failure to address and resolve this matter within 15 business days of receiving this letter will result in legal action against Equifax. I will also seek attorneys fees and any statutory damages allowed under federal law. 
Please direct all correspondence related to this matter to my address above or contact me at. 
Sincerely,.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 2 Late Payment in XX/XX/2016!

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.