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

Inaccurate information reporting on credit. Inaccurate name, Date of Birth, jobs, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute letter to Equifax on XX/XX/2021 about the collection DESIGNED RECEIVABLE, Balance {$5000.00}, Original creditor XXXX XXXX XXXX. That collection is not mine, and I know the credit bureaus are the ones that have to investigate that fraudulent account but my complain with your agency is because the credit bureaus failed to comply with the Federal Credit Reporting act and did not respond to my dispute which I attached to this complain.
Product: Mortgage

This is not the first time and I am sure will not be the last time that the additional funds I have requested be made to principal are held by Wells Fargo in an Unapplied Funds Balance Account rather than being applied to my mortgage and thus allows them to charge fraudulent interest. I want them fined for this consistent effort to refuse my additional principal payments so that they may charge more interest for their own business interests. Per the attached documents, it will show how my payment was {$1000.00} and they only applied {$850.00} to my payments which is a significant difference ; this has been going on for the past 3 months accounting for {$550.00} in paid principal that they are charging me compounded interest on! This is not my first complaint with CFPB and I hope this time you actually protect the consumer rather than allowing a company that has been fined and lost court battles over their fraudulent business practices to continue covering up their fraudulent actions without consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is an authorized inquiry. 
XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year> Please remove this from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX) to the loan and the credit bureau is still showing that the XX/XX/XXXXand XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
Product: Checking or savings account

A cash deposit in amount of {$350.00} was made on XX/XX/year>, bringing my account balance to - {$41.00}, below the overdraft threshold amount of {$50.00}, set by TD Bank, Please note, the deposit showed as " pending '' even though it is cash and made with a teller at XXXX, CT branch, the pending status may or may not have to do with overdraft fee charged ... An overdraft fee appears to have been charged for a paid item in amount of $ XXXX XXXX XXXX. As far as I understand, the overdraft amount, - {$41.00}, is below the threshold and a fee should not have been charged, unless I am mistaken. I attempted to reach TD Bank corporate office in re, unable to reach a live XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint ( XXXX XXXXXXXX ) to CFPB on XX/XX/2024 pertaining to Equifax violating my consumer rights. The complaint was closed with no monetary relief. The company responded with a full transparent paragraph that some of the accounts that I submitted were DELETED from my consumer report. 
My report still has NOT been updated and it's causing me to be in an unsound and unsafe situation. I AM FEARING FOR MY LIFE! 

I later received a letter from EQUIFAX INFORMATION SERVICES stating that they were unable to locate a CREDIT FILE in their DATABASE with the identification information I provided. 

HOW IS THAT POSSIBLE AND EQUIFAX HAS BEEN REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT BUT NEVER ASKED FOR " VERIFICATION '' BEFORE ADDING BOGUS ACCOUNTS TO MY FEDERALLY PROTECTED CONSUMER REPORT? 

It is FEDERAL LAW that the credit bureau 's grave responsibility is to report consistent information and THEY ARE NOT which is a VIOLATION! 

Even though I disagree with their practices, I sent a letter back to EQUIFAX INFORMATION SERVICES on XX/XX/2024 and my consumer report still has not been " verified '' or updated. As shown in the attachments, I sent the letter they sent me along with a copy of my ID and my SS Card. 

At this point, it seems as if they are wanting to purposely report inaccurate information on my consumer credit report.
Product: Credit reporting

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts with MOHELA that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UD DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.
Product: Student loan

Hello. I consolidated my federal loans in XXXX and have been participating in the Public Service Loan Forgiveness program since that time. I currently have 120 qualifying payments. I have worked full time/40 hours at a non-profit since XXXX. My loan server has been fedloans during this time. I applied for PSLF through XXXX in XX/XX/XXXX. I waited 3 months for a response and then received a denial letter stating reason is not being employed full time. I have worked full time since XXXX. When I spoke with the XXXX rep, they stated they thought there was a scanning error and " 40 hours '' looked like " 10 hours. '' I disagree and think it looks like 40 hours. Nevertheless, I re-submitted a PSLF application to fedloans. Shortly thereafter, my loans began a transfer process to Mohela that took two weeks. I went ahead and submitted my PSLF application to Mohela. I additionally submitted old employment certification forms from previous employers to Mohela. I spoke with the Mohela rep who tells me it could be mid XXXX before anyone gets around to looking at my application. I have been getting the run-around for 6 months now. I qualify for PSLF and would like my application reviewed so my loan and move forward with discharge. I have been participating in this program for over 10 years and should be prioritized above other borrowers who now only qualify under the new rules.
Product: Checking or savings account

My wallet was stolen there was fraudulent activity on my accounts and now the banks wont allow me to open a bank account. 

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.
Product: Credit card or prepaid card

There was a charge on my card on XX/XX/XXXX to XXXX 's XXXX XXXX XXXX for {$130.00}. My son was at the bar and they asked for a card to run an on going tab. The bartender threw my son out as he was joking with some girls and the bartender did not like his actions. My son paid his tab in cash and left the bar. There were still 2 of his friends at the bar and the bartender told them he was going to fix my son and put through a bill on my credit card for the {$130.00}. I never signed for this voucher and neither did my son and this is what I have repeatedly told the Credit Card company. I have had numerous conversations with TD Visa asking for a copy of the voucher and have been told different stories everytime. They told me they mailed me the voucher numerous times also told me they were still waiting for the voucher and finally last month I was told the vendor never supplied them the voucher and now it is too late to get it, something about needing to get it in the first 2 months. I had originally asked for this voucher when I saw it on my XX/XX/XXXX statement and have a copy of a letter I filed with the Complaints Department with TD Card Services on XX/XX/XXXX after my conversation on the phone were going nowhere which I could provide you with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was completed accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reported correctly.

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

My personal information was compromised in an equifax data breach. Shortly after, I noticed several hard inquiries that were not authorized by myself and are Fraudulent.I 've initiated a dispute with equifax, I've submitted FTC report along with the supporting documentation to equifax as well as placed a security freeze on the account. Equifax has still refused to remove the hard inquiries. The accounts are ... 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include XXXX Credit Bureau and Transunion Credit Bureau. XXXX did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information that I believe is inaccurate or incomplete on my credit report. I am requesting that you investigate the following entries in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs the permissible purposes for which a credit report may be accessed.

Under the provisions of 15 U.S. Code 1681b, credit reports can only be accessed for specific purposes, such as for a legitimate business need in connection with a credit transaction, insurance underwriting, employment, or other purposes specified by law. I believe the entry in question does not meet these criteria or was reported in error.

The specific information I am disputing is : Tennessee Child Support I pay very week
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened was they told me they had the right to show the wrong info for 5 years if they wanted to. That means I can't get a bank account with any decent bank until XX/XX/22. 
The deal was a check I deposited that turned out bad I was sent to do a supposed secret shop, which for me was nothing unusual. I had been secret shopping for the last 3 or 4 yrs prior and never had any problems. So when this happened I got so scared that I quit secret shopping all together and just stuck to my XXXX check to live on. 
I have gotten in touch with XXXX XXXX XXXXXXXX and they tell me that I don't owe them a thing and there is nothing against me in the computer, other than they closed my account.
Product: Checking or savings account

My Wells Fargo checking and savings account were fraudulently accessed and drained. My card was not stolen. I was called by someone at Wells Fargo ( their phone number their name on caller id ), I was told my account was being illegally accessed and they were calling to put a stop to it, texted me codes to my cell phone to read back as Wells Fargo always does when verifying account information. After a while I asked for a manager as it was taking too long. I was hung up on and all my money was immediately drained from my accounts. I called back and was told this was a scam and was not in fact well Fargo so I reported fraud and in a week was told they would not refund my money. I got the case re-opened by speaking to the corporate office and was told this was fraud and that " this happens all the time do not to worry. '' A few days later the same person informed me weals Fargo was refueling too refund me and was told its was because it was a device takeover, I then was told its was because of what was purchased ( charges at XXXX, XXXX XXXX, USPS and an atm withdraw in XXXX XXXX, live in and was in XXXX XXXX XXXX at the time of this fraud ) then was told it was because I didn't report it right away ( I reported it immediately ). I have received no logical explanation as to why Wells Fargo does not protect and is refusing to refund money held in their accounts when this was clearly fraud. Total amount taken was {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute with Transunion and XXXX requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than XXXX  years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were XXXX years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.
Product: Mortgage

I AM UPLOADING A COPY OF XXXX XXXX XXXX XXXX FRAUD LOAN. THIS IS FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX.PLEASE NOT I PREVIOUSLY SUBMITTED DOCUMENTATION OF FRAUDULENT LOANS FIRST AND SECOND WITH HOMBANC AND XXXX XXXXXXXX XXXX THIS SERVES AS EVIDENCE OF MORTGAGE FRAUD. IT APPEARS THERE WERE 4 FRAUD LOANS IN PROCESS AT THE SAME TIME XXXX XXXX XXXX XXXX XXXX XXXX AS WE CONTINUE TO STATE WE DID NOT SIGN FOR A LOAN., XXXX XXXX XXXX XXXX THE CLOSING ATTORNEY COULD NOT CLOSE ON ANY LOANS DUE TO HIS EMBEZZLEMENT. AGAIN, WE WERE NOTIFIED OF THE FRAUD AND WERE MAKING OUR MONTHLY PAYMENTS TO XXXX. MY WIFE SOUGHT OUT THE BRC FOR ASSISTANCE AND WE WERE COTINOUSLY VICTIMIZED. OUR MONEY AND WHAT WE THOUGH WERE OUR HOMES WERE TAKEN, WE HAVE HAD ENOUGH AND BEGAN SPREADING VICTIMIZATION AND SPREADING THE NEWS THROUGH ALL MEDIA PORTS, NO ONE SEEMS TO CARE SO, WE WILL MAKE SURE THE MASSES ARE AWARE OF WHAT'S TAKING PLACE AND ALLOW THEM TO FILE LAWSUITS BY THE MILLIONS. 

LAWFIRMS WHO HAVE STOLEN HOMES FROM OTHERS WHICH, I MENTIONED BEFORE, ALL NAMES WITH DETAILED INFORMATION IS NOW FLOODING THE AIRWAYS! WE ARE TIRED OF THIS MESS! 

XXXX NVT, XXXX GA XXXX HAD A CLOUD OVER PRIOR TO XXXX THINKING WE WERE PURCHASING IT. THIS EXPLAINS WHY ATTACHING THE FIRST PAGE OF XXXX COMPLAINT WHICH WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. 

MOTION FOR INJUNCTIVE RELIEF DENIED BY THE MAGISTRATE JUDGE, XXXX XXXX IRONICALLY HE RETIRED AS WE BEGAN TO OPEN THE FLOOD XXXX. XXXX WAS ALREADY SOLD IN XX/XX/XXXX OR PRIOR TO XXXX XXXX WHO IS A WELL KNOWN XXXX FELON. HE WORKS WITH CORRUPT ATTORNEYS AND JUDGES. HE PURCHASED XXXX NVT FOR XXXX AND NOT XXXX. HE DEFAULTED THE XXXX COUNTY COURT AND THE PRESIDING JUDGE WHO APPEARED TO HAVE HAD A RELATIONSHIP WITH XXXX XXXX AND XXXX XXXX HIS ATTORNEY, ATTORNEY XXXX XXXX, WHO THREATNED BOTH MYSELF AND WIFE WHILE IN COURT DIFFENTLY APPEARED TO BE A PART OF A RICO RING. THE GOAL WAS TO STRIPE US OF THE HOME FOR THE XXXX FAMILY WHO OWNED BOTH THE HOME AND THE LAND BASICLLY THE ENTIRE SUBDIVISION, IF YOU WERE ON THEIR PAYROLL MEANING WAORKING WITH THEM TO PUT MONEY IN THEIR POCKETS SUCH AS USING YOUR INFORMATION TO OBTAIN FRAUDULENT MORTGAGES WERE WHERE ALLOWED TO PURCHASED YOU LAND AND HOME AND KEEP IT. IN OUR CASE WE BEGAN REPORTING THE UNCOVERED FRAUD SO, WE WERE A PROBLEM. 

LASTLY, THE AUTOMATIC STAY WAS VIOLATED, XXXX XXXX APPEARED TO HAVE FALSIFIED DOCUMENTS USING THE ATTORNEY NAME XXXX XXXX TO REQUEST THE LIFT OF STAY WHILE I WAS IN THE HOSPITAL ON XX/XX/XXXX. AGAIN.I WAS HELD IN THE HOSPITAL INTENTIONALLY IN ORDER FOR THIS ACTION TO TAKE PLACE, WE WERE NEVER NOTIFIED. AGAIN THE ASSIGNED PHYSICAN STATED SHE DID NOT NO WHY THEY WERE DOING THINGS TO GOOD PEOPLE. MY WIFE KNEW EXACTLY WHAT SHE MEANT. A LES PENDENS WAS FILED ON XXXX NT AS WELL, BUT WAS NOT PAID. AGAIN, EVIDENCE WE RECEIVED NO LOAN. 

THE FEDERAL JUDGE ASSIGNED TO THE RICO CASE WAS XXXX XXXX,. WE WERE TOLD BY A CREDITABLE SOURCE SHE WAS INSTRUCTED TO NOT DEAL WITH OUR CASE WHICH WOULD EXPOSE THE XXXX FAMILY, IF SO, HER HUSBAND K, XXXX WHO IS ALSO A JUDGE WOULD NO LONGER SERVE AS JUDGE DUE TO HIS ENGAGMENT IN ILLEGAL ACTIVITIES REGARING CASES AND MORE.
Product: Payday loan, title loan, or personal loan

In JXX/XX/XXXX, I had a family emergency that required financial assistance and I turned to NetCredit ( NC ) for assistance with a personal loan. My loan was approved, and I have made consistent payments on this loan for over a year. In this past year, my balance has barely changed. My loan was funded for {$5700.00}. As of todays date, my balance is {$5700.00}. 

I contacted NetCredit in XX/XX/XXXX to see if I qualified for any type of assistance with my loan. I was given a one-month deferral. My loan is now MORE than my original amount. I called again on XX/XX/XXXX and advised that I needed assistance and wanted to discuss any program options available to me. XXXX, from the escalation team spoke with me and advised the following : NetCredit does not offer any option to lower interest rates. 
An additional deferral could be offered, providing financial documents to ensure that I actually qualify for the assistance, however, this would only further increase my balance. 
Total interest at the end of the loan comes to approximately {$11000.00} There are several reasons that I am filing a formal complaint. First, I advised NC that I was experiencing a financial hardship and wanted to work WITH them in seeking a solution and I was told that the only option is a deferral, which would not assist me with the issues I am having. Second, I advised NC that I now live on a fixed income due to having a XXXX XXXX  and other medical issues and there was no response from the representative. It seems that NC offers loans to people who are desperate and vulnerable, but offers realistic options for a customer who is making a good-faith effort to find an amicable solution. 

As a result of COVID-19, many other companies have come forward to offer assistance and work with their customers for solutions. It is apparent that NC has no interest in the well-being of their customers and cares nothing about the hardships people, like myself, are facing every day. I find that their interest rates are excessive and because of my change in circumstances, I am unable to make larger payments that would facilitate paying the loan off faster. I have advised NC that I may need to file for bankruptcy to which there was also no response. 

At this time, I am seeking assistance in communicating with NetCredit because I need to maintain my credit and want to continue to make regular payments. I do not believe that this is unreasonable and would request your guidance regarding the tremendous interest rate. It hardly seems fair to consumers, whom are facing challenging times, for this company to have such a disregard for sudden changes in circumstances.