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

I would like to know why Equifax is reporting transaction history on my accounts, without my written permission or the permission of the Head of State, when that is illegal?

I would also like to know why Equifax is reporting any adverse items, including charge offs, when IRS publication 4681 states that all charge-offs are considered income and it is illegal to report income as well as transactions? 15 U.S. Code 1681c clearly states that the only adverse items that can be noted on a consumer report are convictions of crimes.

Why is Equifax knowingly and willingly committing identity theft by furnishing consumer reports without my, or the head of States, written permission and including transaction and history income on each one? 

Below are the laws supporting my claims : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I have never given Equifax written permission to furnish a report of any kind.

P.L 90-321 ( 82 Stat. 146 ) states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency. I have never received notice that such a request was made, allowing them to furnish ANY report for my person. 

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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.

Equifax has ignored my right to opt-out of this reporting which is a violation of 12 CFR 1016.1. Every company owes me a privacy notice before they furnish any information to our consumer report, and yet I have NEVER received any such notice from Equifax. I have, however, sent them multiple notices of opt-out that they have intentionally ignored.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my XXXX  XXXX XXXX checking accounts on line bill paying feature to pay my credit card bill. I have used this method of payment for many years with no problems. The amount was {$1000.00}. That amount was removed from my account on that date. Unfortunately, the money was never credited to my credit card account. 

I understand why there may be a problem. The credit card account was being transitioned between banks at that time. The payment was made to the old account, XXXX, however Comenity was managing the new account. It is my hope that you will take the time and effort to work together with XXXX  XXXX XXXX and XXXX to find and apply the XX/XX/XXXX payment to my current credit card balance. 

This payment was processed, posted and cleared. I no longer have that money. I did contact XXXX  XXXX XXXX and they were able to provide me with a Reference Number. XXXX XXXX XXXX has told me that they are not able to provide anymore information to me. XXXX  XXXX XXXX claims that XXXX and Comenity should be able to locate the payment with that information. However, should XXXX or Comenity need additional information, they would need to contact XXXX  XXXX XXXX directly. 

Because Comenity did not receive the funds, my credit card access was put on hold. I was able to make the minimum payment by phone and credit access was restored on XX/XX/XXXX. 

On or about XX/XX/XXXX, I contacted Comenity to enter a dispute of the lost payment. Comenity wrote me a letter stating they would look into it. 

Then I received the letter dated XX/XX/XXXX stating that there is no record of my payment to the XXXX XXXX Visa Card. The letter stated I needed to contact my bank. Well, I did not make the payment to the XXXX XXXX  Visa Card, I made it to the old XXXX XXXX XXXX. The letter stated I need to write you a letter to provide the additional information. 

I have tried to keep up with the payments as best as I can. However, the fact that this money was not applied as expected has caused the account to accrue Late Fees, Foreign Transaction Fees and Interest Charged. Not to mention the many hours I have spent performing this research. Once the matter is resolved, I will expect ALL fees to be reimbursed, totaling {$75.00}. 

On XX/XX/XXXX, I sent a letter with all supporting documentation to Comenity as instructed. On XX/XX/XXXX, I created an on-line account with Comenity and uploaded the same documents. I have called Comenity every two weeks requesting an update and each time the response is " its under investigation '' and " we have 90 days to complete the investigation. '' I have exhausted all of my resources and I am not able to assist any further. You have all of the information you need to resolve the problem. I look forward to your expedited resolution. 

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

On XX/XX/2021 I was scammed out of making a Purchase of product from someone using Venmo. I normally dont use Venmo to purchase something like this but the person said this was the only way. Well come to find out, this person took my {$310.00} and then proceeded to relist the same item again, scamming more people out of the money also. I have contacted Venmo multiple times who refuses to do anything. Stating that goods and services is against their agreement so they are refusing to assist at all. Even when I ask them to look into that persons account to view the fraud/scam transactions they act like nothing can be done and that im stuck with this. I have disputed this transaction through my credit card also but they are also saying due to Venmo 's rules that I am stuck with this. I dont care about anything else, I just want my money back for this. They can gladly cancel my account if they wish to. As I will not be using Venmo ever again.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that I have been trying to get corrected for quite some time. XXXX  months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by XXXX. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! Equfax reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a copy of my Experian credit report that shows a hard inquiry from : XXXX Inquired on XX/XX/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, NY XXXX The previous inquiry ( XXXX - XX/XX/19 ) before this one was from a bank I know about and applied for credit from. I don't recognize XXXX and did not have any reason to apply for credit sinceXX/XX/XXXXXX/XX/19. 

I suspect identity theft and attempt to open an unauthorized account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID WITH EQUIFAX AND XXXX XXXX. I HAVE BEEN TRYING TO UNLOCK MY CREDIT REPORT SINCE SATURDAY XX/XX/2017. FIRST I TRIED TO UNLOCK MY CREDIT REPORT ON XXXX 'S WEBSITE, BECAUSE I HAVE SOME URGENT BUSINESS TO TAKE CARE OF. THE REQUEST CAME BACK ADVISING THAT MY REQUEST FAILED AND TO CONTACT CUSTOMER SERVICE. WELL I HAVE BEEN TRYING TO GET MY CREDIT REPORT UNLOCKED. THIS HAVE BEEN A TOTAL NIGHTMARE AND I CAN NOT GET ANYONE AT XXXX AND EQUIFAX TO GET ON THE SAME PAGE!!!!!! THEY ARE NOT WILLING TO TALK WITH EACH OTHER TO FIGURE OUT A RESOLUTION. THEY WANTED US TO SIGN UP FOR THIS PRODUCT, BUT IT 'S NOT WORKING AS PROMISED. I SHOULD BE ABLE TO GO ON THE WEBSITE AND REQUEST TO LOCK AND UNLOCK MY CREDIT FILE WHENEVER I HAVE PERSONAL BUSINESS TO ATTEND TO. I HAVE LITERALLY BEEN ON THE PHONE ALL DAY!!!! CALLING BOTH COMPANIES JUST TO BE PASSED AROUND. YOU CAN NOT EVEN CANCEL THE XXXX XXXX SERVICE ONLINE. I WAS ADVISED TO CALL EQUIFAX WHO THEN KEPT TRANSFERRING ME TO XXXX XXXX. ITS LIKE THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING. THIS IS A HOT MESS!!!! I CAN NOT CONDUCT MY PERSONAL BUSINESS BECAUSE OF THESE COMPANIES AND THEIR SYSTEM FAILURES.!!!! I WANT THIS SERVICE CANCELLED IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

Please see attached documentation as it details my full and complete dispute with Experian.
Product: Credit reporting or other personal consumer reports

I am writing to address concerns regarding my credit report, including incorrect account records, unauthorized inquiries, and inaccuracies in reporting. I kindly request your assistance in resolving these issues to safeguard my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Product: Credit card or prepaid card

Amount of {$14.00} was erroneously charged to my capitalone credit card account XXXX on XX/XX/2021. Merchant name of the charge was XXXX XXXX XXXX XXXX WA. 

Charge was disputed with Capital one over the phone and requested documentation was sent by fax to Capital One. Temporary credit was given but then on XX/XX/2021, CapitalOne re-charged the amount of {$14.00} back on the account claiming that they didn't receive the information they needed! 

I emailed Capital One Director of Complaints XXXX XXXX at Capital One but received no reply.
Product: Credit reporting or other personal consumer reports

Im writing to express my frustration with my current credit scores and the severe impact theyre having on my life. The inaccuracies in my credit report are causing my scores to be significantly lower than they should be, which has made it incredibly difficult for me to secure loans and credit. This has not only affected my financial stability but also added immense stress and anxiety to my daily life. Despite my repeated attempts to address these issues, I havent seen any resolution. I urgently need these problems fixed to alleviate the ongoing strain and restore my financial health.
Product: Student loan

I have student loans on my report from a private lender that I did not authorize. The loans are not mine nor have I ever attended college. I have no knowledge of how this could have happened but I have been trying to address this matter for some time now.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am requested from MOHELA a timely report of all my payment history on my student loans from XXXX XXXXXXXX XXXX XXXX. I am requesting that they honor this request by XX/XX/year> which was placed months ago with a Customer Service agent and again in writing uploaded to their website. Thank-you for your assistance.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like to file complaint in regards to XXXX. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.
Product: Debt collection

The alleged company Fed Chex Recovery contacted me in XX/XX/XXXX regarding a textbook rental from spring XXXX, which I no longer have in my possession and believe to have returned at the close of that spring semester. The representative from FCR explained that the book was rented from a website called textbook rush, which is valid, but my account on XXXX XXXX shows no overdue books and I received no online correspondence in the three years since I rented books from that company to indicate that the book was allegedly overdue. It was already fishy that I was receiving calls about the book three years too late, especially considering the high late fee of {$500.00} when I rented the book for less than {$100.00} and paid for it in full, but in addition I called the Secretary of State in both states from which I received phone calls ( Nevada and Arizona ), and both Secretary of State offices declared that FCR was not registered as a legitimate business in their records. In addition, I checked my credit report in XX/XX/XXXX, and that credit report showed no record of debt for any textbook rental. I receive calls every 2 weeks from different phone numbers in different parts of the country claiming to be representatives of this FCR debt collection agency. I am currently reaching out to textbook Rush to make certain that no books are overdue on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Bank account or service

In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier miles
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent you a request to validate my debt, RECEIVABLES PERFORMANCE MANAGEMENT account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting or other personal consumer reports

I have about eight accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances than what they really are. I have a couple accounts for building that do not show up on the credit agencies and I also paid off aI have about eight accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances then what they really are. I have a couple accounts for building credit that do not show up on the credit agencies and I also paid off a truck loan Over six months ago and still a negative mark and Ive had 13 inquiries somehow that I never did
Product: Student loan

Hello there, I hope this message finds you well. I am writing to you regarding my Private Student Loans, currently held by Navient Services LLC. You see, I am a member of the XXXX  " group in the XXXX XXXX XXXX  Class Action Lawsuit, against my found guilty predatory lending and for profit college XXXX XXXX XXXX XXXX XXXX As a member of the XXXX ' group, my Federal Loans are to be discharge and completely removed from my credit file and any funds paid for the life and any federal loan, repaid/refunded to me. This is still an ongoing class action lawsuit and I am still awaiting my full refund. In the meantime, I have been trying to work with Navient to get my Private Loans from the same school fully discharged and removed from my credit but they have been unwilling to budge. I have been asking for an application that they offer for 'School Misconduct Discharge ' and I have been told that I do not qualify because my loans were consolidated. This seems very unreasonable and I can see no reason as to which my Private Loans should NOT be fully discharged and removed from my credit, seeing that my Federal Loans have already been discharged. I have attached my full application and response back from Navient that they did not even bother to read and or process my application and requested supporting documentation.