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

I am writing to you with a heavy XXXX and a sense of desperation regarding the handling of my recent dispute with Equifax, one of the major credit reporting agencies. Despite my earnest efforts to rectify inaccuracies in my credit report, Equifax 's response has left me feeling utterly distressed and hopeless. 

In accordance with 15 USC 1681e ( b ), I diligently outlined numerous discrepancies in my credit report in a letter to Equifax, emphasizing my right to an accurate and complete credit report. However, instead of conducting a thorough investigation into these issues, Equifax simply stated that all accounts had been " verified and confirmed, '' without providing any meaningful explanation or evidence to support their findings.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Equifax, as I sought transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about how my concerns were addressed and whether any genuine effort was made to validate the accuracy of my credit report. 

Moreover, it has become evident that Equifax has effectively violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By failing to take appropriate action to correct the inaccuracies I have identified, Equifax has not only disregarded its legal obligations but has also exacerbated the financial and emotional strain I am enduring.

The impact of Equifax 's negligence on my mental well-being can not be overstated. I am struggling immensely with feelings of hopelessness and frustration as I face the prospect of being unfairly penalized due to inaccuracies in my credit report that remain unaddressed. The uncertainty and anxiety surrounding this situation are taking a significant toll on my overall quality of life, and I fear that without intervention, I may lose hope of ever achieving a resolution. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that Equifax fulfills its obligations under federal law to conduct a thorough investigation into the inaccuracies in my credit report and take appropriate action to correct them.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was set up on me through ilegal or unfair means, I was an employee for XXXX  selling their services over the phone, as an employee they gave me free services including their most expensive package including XXXX and all source of expensive stuff that no one buys because is no feasible to any normal person, since I worked selling their products I know I need to get an verbal agreement from the customer and let them know every single product I'm providing before completing the sale, this process didn't exist for me, because when my employment was over I asked my previous manager about the process and the sense was that since it was a employee account the services will stop with the employment, instead they rollover into a personal account with all services that I didn't even used when they were free without my authorization, never agreed to any price, package or deal, my precious personal account tgat I had with XXXX  only had internet and for them to close that one to create a employee but then rollover the employee into a personal is mind blowing, I feel scammed because is 1 month of services totaling XXXX dollar XXXX dollar is a huge bill for a month, it includes all the fancy stuff without my authorization, the collection office is saying the account is under my name but that is no proof that I agreed to those services, they haven't provided nothing of that mean, I know this info through disputing it with XXXX credit bureau, is the only thing showing as a result, I don't think is fair a consumer have to pay for negligence of employers or services sold in a fraudulent way for the benefit of others, consumers should pay on what they agreed upon.
Product: Credit reporting or other personal consumer reports

Capital XXXX is reporting information to Experian, XXXX and XXXX that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Product: Credit reporting or other personal consumer reports

Mohela posted XXXX student loans on my credit report. I never took those out. Ive sent in all requested information Mohela fraud requested back in XX/XX/24. Ive even called the school and XXXX said he knew about this and would be sending in the requested information Mohela wanted. I have yet to get this resolved. It is still on my credit report. They say they are waiting for the Department of Education to approve the fraud. Mohela has approved of the documents I sent them. Please take this off my credit report if possible. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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, has violated my rights. 

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 an 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I can not reach Mohela customer service to discuss loan programs available to me. I have been on hold for more than XXXX minutes XXXX times and hung up in frustration. 

Mohela needs address my questions before too long. 

NEED HELP!!!
Product: Credit card or prepaid card

XXXX - XXXX - we have been struggling financially had auto payment set up with Citi card for {$300.00} They took {$960.00} from my bank with no authorization on XX/XX/2018 XX/XX/2018 I contacted them via chat and on XX/XX/XXXX I called XXXX. - the rep told me then that it was taken care of and would refund {$610.00} and I would pay {$350.00}. They said that would take 3 days. After 5 days {$90.00} was refunded on XX/XX/XXXX. I called again on XX/XX/XXXX, spoke to customer service and they assured me that the additional {$520.00} was being process to refund, nothing on Monday XXXX. I called and spoke to XXXX ( XXXX ) in customer service who assured me that the {$520.00} was in process and would be deposited into my account by end of the day XXXX. 
On XXXX I call again and customer service tells me that Citi cards will do nothing because I was behind - I need to make mortgage and did not authorize {$960.00} payment - I was making payments on what I could and have steps in motion to pay off in XXXX, but they will not work with me in any way. They tell me tough luck today We don't know what we will do about mortgage payment now, we are in very stressed position because of this.
Product: Credit card

I was assured by an Apple Card ( Goldman Sachs ) representative that I would not be charged additional interest, but despite this agreement, interest charges were still applied to my account. I contacted customer support, but they refused to honor the original assurance. Another credit provider ( XXXX ) provided me with a 0 % interest plan, yet Apple Card has been unwilling to offer similar support despite my financial situation. 

I request a review and removal of the interest charges, as well as a hardship plan similar to industry standards. Apple Cards misrepresentation and lack of resolution are unfair business practices, and I seek CFPBs assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account Name : XXXX XXXX Account number : XXXX Late payment reported : XXXX XXXX XXXX. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. After thoroughly reviewing my credit record, I discovered these late payment notations. However, despite sending letters requesting validation over 30 days ago, I have not received any response from the creditors, and they have failed to provide satisfactory validation for these reported late payments. 

I kindly request your assistance in resolving this matter. I respectfully ask that you address my previous requests to these creditors and promptly update the transactions in question to accurately reflect the correct reporting status on my consumer report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been filing disputes to remove the fraudulent accounts. The disputes are not being filed correctly and the FTC paperwork I am submitting according to the FCRA is not being submitted with the disputes. The people I talk to don't understand English and are not helping. I am not getting copies of the verification process per the FCRA.
Product: Debt collection

An account appeared on my credit report with a balance of {$950.00} When I disputed this on XXXX XXXX which is how I found this account. I was not able to get a resolution. since then I have received letters stating that this debt is beyond the statute of limitations yet the company is still reporting this debt that I have knowledge of ever obtaining or raking up.
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. 

Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

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 accounts without my written instructions.

15 U.S. Code 16812 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please deleted all this wrong negative accounts off my credit report immediately.
Product: Mortgage

This veteran needs your help. I believe while I was in the VA Hospital, Wells Fargo Home Mortgage stole my money, cant account for the funds and have not accounted for the funds in my account. 

I requested assistance concerning Wells Fargo Home Mortgage charging me fees for an Unpaid Second Principal balance in the amount of {$1200.00} and some category titled other fees in the amount of {$850.00}. You will see XXXX checks : Check # XXXX in the amount of {$1200.00} and Check # XXXX in the amount of {$850.00} paid to Wells Fargo Home Mortgage. 

I dont believe I owe them this money ; however, XXXX paying them because XXXX tired of them hanging this debt over my head. I requested Wells Fargo Home Mortgage to investigate my payments because I never missed a payment and they state that I missed a payment in XX/XX/XXXX ; however, they show I made double payments in XX/XX/XXXX and XX/XX/XXXX. This is most certainly a case for the Consumer Financial Protection Bureau ( CFPB ) due to damages for incorrectly charged fees. 

They ( Wells Fargo ) created a bogus phony Customer Account XXXX XXXX XX/XX/XXXX. The incident was in XX/XX/XXXX ; however, they just created a fraudulent statement to show as if I missed payments. XXXX XXXX XXXX Bank can verify that Wells Fargo receives automatic payments every first of the month. In addition, I have years of missing unapplied funds which shouldve gone to paydown principal balance. Lastly, my interest rate after the bankruptcy was supposed to have been a FIXED 2 % XXXX percent rate for the duration of the loan. 

XXXX extremely disappointed because I was duped by Wells Fargo Home Mortgage. I signed up for relief during the COVID crisis in XXXX ; however, I NEVER USED THE PROGRAM. I continued to make payments out of my XXXX account. Wells Fargo received the monies ; however, didnt apply it to my account. 
I request EVERY loan document and all paperwork affiliated with my Home Mortgage with Wells Fargo and/or any of her affiliates associated with this loan. 

I request Wells Fargo audit my account ( especially focusing on XX/XX/XXXX thru XX/XX/XXXX and beyond ) refund me any monies due and reduce my mortgage to its proper amount. 

I request Wells Fargo honor the 2 % fixed interest rate reinstatement for the duration of the loan. I request Wells Fargo to correct these matters immediately and make me whole. Thank you in advance for your assistance. 

Respectfully submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV simply refuses to report my payments to have been made... I have paid in full through my payroll.  (attachment showing with check numbers, and we have checked, all show cashed).   Not only are they not reporting my payments but they have removed the collection of $XXXX (the original amounting showing owed) then added it back on as a new collection of $XXXX hitting me for 49 pts.  Then removed it, not showed paid, just removed so I dont get any of the pts given back... then re-added the $XXXX as a new collection hitting me again for a large hit to pts.  Then added a brand new collection for the exact same account but for $XXXX  hitting me yet again for another massive pts hit.   On one report I am actually showing LVNV collection on this same debt for all 3 amounts separately after they have removed it once and re-added it, then added 2 more in different amounts.    I have tried and tried to not only get them to provide validation of debt which they have not done, but doesn't matter now anyway, that case was closed because they replied back, regardless the information provided to be fact or not.   BUT, in the case of them refusing to show my balance paid off... it isnt being done.   NOT REMOVED because its been paid, but actually showing paid.   I deserve to get my pts back for the payments and not keep getting retaliated against by their shady ways and getting hit for over 100 pts now in the removal and adding of the same account and then not get anything rewarded back for making payments... which was under false pretenses in itself.   They hired a 3rd party to send where they filed the writ of garnishment so we thought it was being issued legally and that is what we this from... come to find out the actual order of garnishment was never signed and never issued and we were not to have made any of these payments... of course now its too late, we have made them all in the total of $XXXX without any order of garnishment ever being signed.  They have now filed for ANOTHER garnishment in the amount of $XXXX  on the exact same account and NOT reporting that I have paid off this one.    Thank goodness I we called XXXX County to find out if we had to pay any more than the writ of garnishment as they were telling us we had to and found out they had filed another writ for another amount AND that the one we had paid was never signed or ordered.   This is NOT an honest company at all!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen and used my identity and has obtained a Car XXXX XXXX XXXX. Government Loans small business loan distributing 1099 forms. XXXX XXXX XXXX XXXX has forged govt docs /child support enforcing A lien on the XXXX XXXX XXXX he obtain to be Legally under his name. XXXX XXXX XXXX XXXX and his mother XXXX XXXX XXXX filed motions and suits using my identity. They were obtained by the two individuals, signed and dated. My mother XXXX XXXX is also involved as her number and address appears on my credit reports. Her address is XXXX XXXX XXXX XXXX XXXX. Those 3 individuals have obtained and opened my mail IRS mail, Stimulus and att general mail, local Police dept and other personal mail but will not release it to me. I have filed several police reports. XXXX XXXX XXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX at XXXX yrs old this began in XXXX but the identity theft and att general Docs signed XX/XX/XXXX. This individuals embezzle the funds and obtained them through the legal system XXXX XXXX XXXX XXXX XXXX XXXX  by false suits and motions.
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.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permission to furnish these accounts. 

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 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 XXXXXXXX XXXX XXXX
Product: Student loan

I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX ( XXXX XXXX ) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX