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

I am writing this complaint to Equifax regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Equifax is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Equifax 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
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.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts.
Product: Credit card or prepaid card

I want to bring this attention to serious matter to your attention. I went to XXXX in XXXX, Delaware to open my XXXX membership on XX/XX/2018. The representative at the store did not inform me that a credit card account was being opened under my name in addition to the membership. This is an absolutely unacceptable and fraudulent sales practice. 

I'm requesting the following resolutions to rectify my issues. 
1. ) Withdraw my Costco credit card application 2. ) Remove the credit card and credit inquiry from my credit bureau 3 ) investigation of this incident and ensure this would not happen again XXXX Membership # XXXX
Product: Debt collection

Stop and cease all contact methods!!!! I didnt approve the opening of this account. Someone opened the account with all my information. STOP SENDING LETTERS, YOU ARE VIOLATING MY RIGHTS UNDER THE FCRA REQUIREMENTS.
Product: Student loan

Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. 




What happened? 
Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... 
Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. 
Navient repair credit scores which they reported to the credit bureau. 
Navient stop calling and harassing me day and night. 


My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. 

Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S ( T RACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX : {$410.00}
Product: Debt collection

XXXX My name is XXXX XXXX Called Navient on XX/XX/18 ; who is really XXXX XXXX on a Education Private Loan ; I have with them ; I have income based repayment plan with ; I was calling them because I received paperwork I was passed due ; I have checking allotments ongoing with them for 8 yrs now ; They said my recurring payments had ended, So I wanted to set up another repayment plan ; XXXX the representative stated I could only do an extension They upped my payments to {$250.00} from {$240.00} ; I explained to them I was a XXXX  ti my XXXX mother could not go further than the {$240.00} ; I was told by XXXX if I didnt pay the amount would not hav the repayment program plan ; Grudgingly I said I would try When he set my payments on a recorder he changed the payments to 6 and 6 6 months @ {$250.00} and another 6 months @ {$480.00} ; I told XXXX Its no way I could afford {$480.00} ; he stated if I refused I would not have the low income repayment plan forced me to electronically sign ; He asked me did I hav a lawyer ; I told him after this I need to seek one ; This was a SWITCH and BAIT Transaction ; XXXX XXXX XXXX ; XXXX ; Va XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 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
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports on XX/XX/XXXX and noticed that there was an inaccurate account on my credit report. On XX/XX/XXXX I sent a dispute to Equifax asking them to reinvestigate this account : XXXXXXXX XXXX  On XX/XX/XXXX they responded saying they verified the account. This was incorrect. 

According to 15 U.S.C. 1681 ( I ) they're supposed to update, modify or delete the account. 
According to 15 U.S.C. 1681eb they're supposed to insure Maximum Possible Accuracy. 
" A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSES TO BELIEVE THE INFORMATION IS INACCURATE. '' And according to 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

First of all, when viewing this account on Equifax, it is deeply flawed and inaccurate. Throughout the entire report, it is contradicted itself : According to Equifax the last payment was on XX/XX/XXXX. But on Equifax 's payment chart, it clearly shows there were actually two more payments after that ; one in XX/XX/XXXX, the second one on XX/XX/XXXX. Both can't be true. This is a blatant contradiction and inaccuracy. 

Not only is Equifax in blatant contradiction with itself, it is contradicting Consumer Reports from other Credit bureaus such as XXXX and XXXX : -The payment history does not match up with Equifax and the other Credit Bureaus . For instance, Equifax has me with a 97 % payment history while the other bureaus have me at 67 %. This is due to the inaccuracies of Equifax. Equifax Also has me making two more payments than the other bureaus have me making. This is due to the inaccuracies of EQUIFAX. 
-The Closing Date also is not aligned with the other 2 credit bureaus. While XXXX and XXXX have my closing date on XX/XX/XXXX, Equifax has it as XX/XX/XXXX. Though it is not too far off, if you are getting the information from the same furnishing source, there should be no discrepancies at all. EQUIFAX is at fault on this. 
-Equifax has my last payment date as XX/XX/XXXX, while the other bureaus have it as XX/XX/XXXX. This inaccuracy falls on EQUIFAX yet again. 
XXXX XXXX last reported date is on XX/XX/XXXX while the others are on XX/XX/XXXX. EQUIFAX is yet again at fault for this inaccuracy and discrepancy between the Credit Bureaus. 

So not only is EQUIFAX in direct contradiction within itself, it is directly contradicting the XXXX and XXXX. EQUIFAX is at fault here. The information contained in Equifax 's Credit Report in regards to this account is deeply flawed and inaccurate.
Product: Prepaid card

I purchased the card and then attempted to use the card at an online retailer, and it was declined. I then attempted to add it to XXXX, which was declined again. Next, I called XXXX, because the card had been frozen from those attempts to use it. XXXX sent me a replacement card, which had the same issues. I then used the card to buy a different prepaid card ( American Express ), which still had the same problems.
Product: Debt collection

XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.
Product: Vehicle loan or lease

My leased XXXX XXXX XXXX was involved in a total loss accident. My insurance company XXXX got all the paperwork together and sent all necessary documents to Hyundai Finance who manages my lease. The accident occurred on XX/XX/XXXX and the paperwork was submitted on XX/XX/XXXX. Despite 5 phone calls and numerous emails, Hyundai Finance is refusing to supply XXXX Insurance with the letter of guaranty and copy of title. I received a letter from Hyundai Finance on XX/XX/XXXX stating that " monthly payments are not required after the date of loss '' but I'm still getting billed by Hyundai Finance to make lease payments. After calling twice to Hyundai Finance and speaking to two supervisors on XX/XX/XXXX, they hung up on me after promising to " escalate '' the situation and look into the matter. The first supervisor 's name is XXXX XXXX XXXX employee id XXXX - he refused to give his last name ) and the second supervisor did not give his name. They have no explanation for why they aren't sending the requested documents to my insurance company, and meanwhile, I'm being charged to pay for a lease on a totaled car that I'm not driving. When I ask Hyundai Finance why the requested documents haven't been sent and if I can speak to someone in their department, their response is " all we can do is send them an email request and there is no to physically speak to. '' After I called the number at the bottom of the attached letter, the supervisor said he was going to look into my account and ended up hanging on me. 

I feel there is definite fraud going on here. They won't send the documents to my XXXX insurance company so they can get paid the car value check, and they won't close my account. Meanwhile, I'm still being billed for payments and having my credit report threatened even as they send me correspondence saying I don't have to make any further payments. 

Please help! I just want Hyundai Finance to send over the letter of guaranty and close out my account. My complaint is with Hyundai Finance who seem to be behaving in a fraudulent manner.

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

I haven't received a response from ( EXPERIAN ) in over 30 days. They are reporting inaccurate information on my report. ( LATE PAYMENTS ) XXXX  and XXXX WERE UNABLE TO VERIFY THESE ACCOUNTS AND REMOVED THE LATE PAYMENTS. EXPERIAN IS THE ONLY BUREAU REPORTING INACCURACY. 

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments.

Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed.

If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Regardless of the fact that I received the attached Letter from XXXX XXXX XXXX from Discover Card, please see 3rd. paragraph stating that the rate reduction will be reflected on my next monthly statement, i.e. XX/XX/2018 I have received the monthly bill with the wrong monthly amount of {$97.00} which I can not pay. Upon contacting Discover card via telephone during the past week, and today, in several opportunities they have declined lowering the monthly payment. As you can see Discover is non compliant, as I understand once it is written they have to respect what they offer. Please look into this matter ASSAP as I do not have the amount they are forcing me to pay this month. You need to have Discover card to stand for what they have in writing it is against the law to lie in such a manner. Thanks for your prompt reply. 
Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible l. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a payment on my Macy 's credit card account via an ACH draft from my checking account. I paid off the full balance of the account at that time. The amount of the ACH debit was {$220.00}. 

I received a notification from XXXX that I had a negative payment history filed on my credit report. I pulled my credit report to see what had been reported and found that Macy 's was reporting my account delinquent, despite having paid in full. 

I immediately contacted Macy 's credit services to get this error corrected. The representative stated that they could see where I had authorized the ACH payment but it had not credited to my account & inquired if I had seen the transaction clear my bank account. I confirmed that the transaction had cleared my account on XX/XX/XXXX. I was given a fax number to fax proof that the transaction had cleared and assured that they would correct their error and remove the negative reporting. I faxed proof that same day as instructed. 

Today, XX/XX/XXXX, I contacted Macy 's credit services again and was informed that the error was still not corrected. I also today, XX/XX/XXXX, received notification from XXXX   that they had completed their investigation and upheld the fraudulant negative reporting by Macy 's since Macy 's still has not applied the cleared payment to my account. 

I have proof that this is Macy 's error and have suffered damage to my previously exemplary credit because of their negligence and failure to resolve this issue despite all proof of their error being provided to them. This is unacceptable and unethical business practice.