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

I've contacted Equifax reps about 2 weeks ago regarding a more than 80 point drop in my score I noticed in the middle of XX/XX/XXXX. I had the My Equifax free product and I've painstakingly looked at the details of the available reports for XXXX, XXXX, and XXXX and they are virtually the same. And XXXX is not available for some reason ( see the attachment labeled Equifax Summary ). I upgraded to the XXXX XXXX on XX/XX/XXXX in an attempt to see when my score changed and indeed it's between XXXX and XXXX. Questions : if the reports are virtually the same between XXXX and XXXX, why would XXXX be different? And why did my score drop by over 80 points? Also, why is XXXX not available? See attachment labeled Equifax XXXX. After the rep continually talked about scoring and the obvious reasons it could change, I asked to speak to a manager. The manager said they would look into it and Id get something in the mailnothing as of XX/XX/XXXX. 
I sent an email on XX/XX/XXXX to CEO XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX explaining all of this. I included 4 of the attached documents detailing my Equifax information for the months XXXX, XXXX and XXXX. XXXX showed up when I upgraded and is attached with this communication, but is the same information albeit some new very small balances relating to XXXX. And I see that XXXX XXXX closed their account due to non-use. I got an email response from customer care that afternoon basically stating that there are several different scoring models and ways to dispute the info. None of the ways to dispute include a missing report or a huge score drop for no reason. Basically, I was blown off. 

Also, in the summary it shows XXXX 's score from Equifaxs point of view as XXXX ( Equifaxs upgraded plan gives scores from all bureaus ). I called and the rep told me that XXXX 's score is also calculated by Equifax from XXXX data... really? Because XXXX has me at XXXX. Again, see the attachment labeled Equifax Summary. I know there are differences in how scores are calculated but its usually in the same rangenot an almost 100-point difference between Equifax and XXXX. 
And an over 80-point drop in 1 month with Equifax for no apparent reason and a missing month that correlates with the drop needs to be corrected. Please help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

i am XXXX XXXX i go last week XXXX XXXX date XX/XX/2019 he run my credit before he till me i dont run credit hard inquiries i see my credit report this is hard inquires i call him he told me i dont care youare credit pl help me i have 20 hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz placed an inquiry on credit file. Credit isn't sufficient enough to apply for such a vehicle. Requesting validation of signature.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : 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

I tried to get my free report. I entered all my information & received the message that they were unable to provide my report online
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax signed me up for recurring payments and does not allow me to cancel the membership. There is no online support or online option to cancel, and calling their phone number is pointless - you get no response. 
Today XX/XX/30 is another billing date and I just want the recurring charges to STOP NOW. 
They are asking absolutely ridiculous vague security questions such as did you ever have a department credit card ( I have XXXX, XXXX XXXX, XXXX  etc.. ) and what the monthly charges were.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Wells Fargo Auto from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, Wells Fargo reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with Wells Fargo.
Product: Debt collection

THIS ACCOUNT DOES NOT BELONG TO ME, PLEASE REMOVE IT OFF MY CREDIT REPORT.
Product: Checking or savings account

Every month for the last 2 years, my bank account receives {$100.00} that can't be explained. I've asked them, they say they don't have any explanation. Three days later the correct amount returns. Well I put it to the test and withdrew XXXX from that account. Now I'm showing XXXX in my account. They've been using my account to launder money in my opinion for some reason. Why else would they do it? If I contact Truist Bank it takes over an hr. to get through or they close the phone line down.
Product: Mortgage

I am filing a complaint because I have received an FHA loan approval on My home. 
The loan approval is not in my name, I did not apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$2200.00} - - -No Data Dispute Account Information Address XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$2200.00} Original Creditor XXXX XXXX XXXX  Past XXXX {$2200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Deposit related Installment Account Individual XXXX XXXX XXXX Account charged to profit and loss Collection/Chargeoff XXXX XXXX XXXX I never owed not my account reporting and never had this unauthorized account and transaction should b removed was on credit with our written consent or knowledge of being there
Product: Vehicle loan or lease

Your Account Document Services Title Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account : XXXX Pending Payments AutoPay Schedule Statements Payment History Payment History Effective Date Transaction Type Balance Amount Transaction Amount Payments Principal Interest Late Fee NSF Other Expense XXXXXX/XX/year> {$25000.00} {$500.00} {$500.00} {$370.00} {$120.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/scrub>XXXX  {$25000.00} {$500.00} {$500.00} {$430.00} {$38.00} {$31.00} {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 3 pymts were made,
Product: Debt collection

XXXX, XXXX XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with Citibank XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called Citibank years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to Citibank they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian, Has done a half job Dealing with my Truist account Which still holds a negative remark that XXXX late 30 days which Truist, nor XXXX nor experian nor XXXX has provided Late payment history proof with Truist account that Ive been paying as a good consumer with great payment history, XXXX, experian and XXXX defrauded me and lowered my XXXX XXXX defamed my character for these XXXX day past due remarks Thats plummeting my XXXX XXXX and credit worthiness XXXX, XXXX and experian has also never provided me notice of dispute for my last dispute put in XX/XX/year> Which is illegal as well and XXXX will to escalate this case for XXXX, experian and XXXX defaming my character and credit worthiness
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report is showing a bankruptcy that, according to my information, has already been discharged. Additionally, the filing and closure dates differ between the different credit bureaus, which has caused me great concern and difficulties in my financial dealings. 

Specifically, the erroneous information is found in the XXXX report and does not match what is reported in XXXX and Experian. I request that this situation be investigated and that this bankruptcy report be removed from my credit report as soon as possible. 

Federal ( Reference NumberXXXX ) U.S. Bankruptcy Court ( Reference NumberXXXX US BKPT CT TX XXXX XXXX ( Reference NumberXXXX ) This situation clearly violates 15 USC 1681 Section 604 ( a ) Section 2, so its removal must be a priority.
Product: Mortgage

I spoke with a PNC banker about a home equity line of credit in the middle of XXXX. The banker informed me that during the application process the following would be required for underwriting : the last two years of XXXX, the last two months ' paystubs, the balance of my mortgage, and proof of home owner 's insurance. These requirements mirror the requirements that PNC advertises on its website ( information available at : XXXX last accessed XXXX XXXX, 2015 ). 
PNC contacted my company ( via a public information submission form on the company website ; I note this is hardly an appropriate way to request financial information on an employee ). An executive at my employer verified my employment ( he provided me with a copy of the form he submitted XXXX. On XXXX XXXX, 2015 I received from my PNC Loan Analyst that my employment status was verified. 
Per PNC 's published standards, this should have resolved the documentation I would be required to submit to the underwriter. 
On XXXX XXXX I emailed my Loan Analyst asking for an update on my application. She informed me that the underwriter was requiring that I submit information regarding my equity in my employer. As this asset ( and all assets per PNC 's requirements as stated on their website ) are not required for a Home Equity Line of Credit, I declined to provide this information. I then emailed the Loan Analyst 's supervisor to express my concern about a request that contradicted PNC 's published guidelines. The supervisor wrote back and reiterated that the underwriter was requiring that I submit information about my equity holding. 
PNC has publicly available content that markets the HELOC in a particular way. I met the standards of documentation per these guidelines and PNC confirmed my employment status. To request information that is not included in published information raises several problems. 
1 ) The information advertised on PNC 's website does not match the standards that have been applied to my application during underwriting. Given that I was " sold '' the loan with this information ( in that the information was an incentive to select PNC for its streamlined underwriting process ), the hidden requirement seems to violate Regulations Z and N of the TILA. 
2 ) Frankly, my application is being subject to moving standards during underwriting. I received confirmation of my status and, therefore, the standards by which the application should be judged. A month later, a new set of standards is being applied. It is hard to believe that my application is being assessed fairly if PNC 's underwriting is quietly applying new standards when assessing my application. 
3 ) I expressed concern about this to a supervisor and the supervisor sided with the underwriter. As such, I can not believe that this shift in standards is a misunderstanding or an error made in good faith. When I raised the concern initially, a separate PNC employee reiterated that I was expected to comply with a request that contradicted published information.
Product: Debt collection

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Product : Debt collection Issue : False statements or representation See complaint referenced above. The same people for the same debt continues to post this debt to different credit bureaus ( XXXX and XXXX ) under different names, not honoring the agreement made in XXXX. This is harassment and I should be given the right to sue based off this type consumer harassment that is baseless, unwarranted, and extremely prejudicial to me due to me refusing to allow one of their agents to harass me by phone in XXXX. An agreement with a third party representing XXXX and any of its many names should be an agreement honored and I should not have to see any posting of a collection for XXXX XXXX XXXX course on any of my credit reports. I have provided all documentation in complaint number XXXX back in XXXX. Why is the current administration allowing citizens to be treated by corrupt businesses in such an inhumane manner? There is no reason why I should still be dealing with this 2 years later when I held up my end of the bargain. If they want to continue to post this as a collection item, paid or unpaid, I want every dime back that I paid into this agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equiafax did not send me any proof of their investigation and just sending their letter that they have received the proof of late payment. I was never late with XXXX  account. Also collection account is not belongs to me and i have never open the account wit this company see attached letter
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy. 
Account name XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX  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 XXXX
Product: Checking or savings account

My sister passed away. I was appointed Personal Representative by the XXXX XXXX XXXX XXXX in XXXX XXXX, Indiana. Those documents were obtained through and by my estate attorney and were sent electronically from the court to him for my use in executing her estate. Along with these documents and an original certified Death Certificate Wells Fargo is refusing to open an estate account for me. I was told I need to physically go to the court in XXXX XXXX Indiana and obtain a certified original copy. First, I live in XXXX, Washington so that is not an option and more importantly, the courts in Indiana only send out documents of this nature electronically and there is no avenue to obtain certified original documents. This information has been verified by my attorney. I also requested to escalate this situation to the Branch Manager and was not given their name or contact information despite my repeated request. I have been a customer of Wells Fargo for 29 years and I have no one to escalate this issue with.
Product: Debt collection

I received a response from Midland credit management on XXXX XXXX. Account ending in-XXXX. XXXX XXXX. Im once again Informing you that I do not recognize this fraudulent account nor do I admit to any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act 609 ( 5 ). Im requesting. The bill of sale, and all billing sales. Im also requesting proof that they are the original due holder In the course of this debt. Im requesting that you show proof of where you bought this debt. Im requesting proof of counter records and The proof I opened this debt Until this present time. Im requesting that You show the original contracts with this company that created this debt, bearing my signature and authorization, and all documents associated With this debt. Im requesting your method of verification Pertaining to those documents As is my right per fair credit reporting act 611 ( 5 ) ( a ). I am informing you that your offenses amount to aggravated identity theft Pursuant to 18 U.S.C.~1028A. You have knowingly transferred, Possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, Imprisoned for not more than two years, or both. Consumers suffer harm When consumer reporting agencies and furnishers of information Allow fraudulent activities to persist without proper authorization from the consumer. These harms include, The invasion of consumer privacy, emotional, physical, and Economical harms. Ive been hindered from establishing new lines of credit and credit lines of increase because of your willful violation of the fair credit reporting act. Therefore, Im demanding these accounts be blocked and deleted because they dont belong to me. Im attaching proof of my incarceration As well as my federal prisoner ID, Federal Trade Commission identity theft affidavit.. I have attached letters from government agencies with post office stamped dates during the times that this fraudulent account was opened. Im once again, giving you the opportunity to follow the laws required and do the right thing.