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

I have sent numberous request for my credit reports, from all three bureaus, XXXX EQUIFAX, AND XXXX, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.
Product: Student loan

I have consolidationg direct loans that were serviced by XXXX but are now serviced by XXXX. I have applied for a PSLF and the FedLoan site will not let me enroll for an account nor does it recongnize my social security number OR names. I have contacted MyFedLoan was on hold for an hour then someone answered and said they could try and transfer, again I was on hold for 30 minutes and I have tried repeatedly to call with no luck. I can not submit a form for help the site does not recognize my social?? I'm at a lost as to what to do? I feel like I am going in circles with this mess!!!! Thanks for your help! 

XXXX XXXX XXXX XXXX XX/XX/1964
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax Information Services LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax Information Services LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

We were in the process of selling our home. On XX/XX/2023 we called the bank asking for proof that our forgivable loan was satisfied. We never recieved any documentation. Meanwhile we closed and the title company is still waiting for the satifaction for this sonymay loan. This should really have been sent to us over a year and a half ago. Last night I called to find out if the satisfaction was ever completed and I was told it never completed it was left open. I asked for this to be expidited by today and I still do not have the satisfaction from M & T bank. spoke to a supervisor who told me I still have to wait a couple of days. M and T bank has been giving us a hard time while they carried our mortgage and are still giving us a hard time getting the balnace of our escrow money from the title company while waiting for this satisfaction.
Product: Money transfer, virtual currency, or money service

I had XXXX $ in my account which was locked by b9. On XX/XX/year> b9 internally transferred money by ach to an unknown bank account and claimed i did the transaction which was impossible. Ive lost XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

Over ten days ago ( business days ) I requested Trusted ID Equifax to unfreeze my credit account and I was told it would take up to 48 hours. As of today, it is still frozen. I tried calling Trusted ID Equifax and Equifax itself to get help. I have been put on hold for over 10 - 15 minutes and been refused to be able to speak to a manager. I need my credit file unfrozen asap and I would not have frozen it in the first place if it was n't for their breach. This is hurting me as I have applied for a credit card with my credit union and they have been watching my credit file to see if it has been unfrozen. My credit union called me and informed me that my credit file had not been unfrozen on Friday, XXXX XXXX, 2017. This is very wrong that I can not speak to a manager and must be spoken to by someone reading off of a screen as to what to say to me. This is not customer service. Equifax should be polite and assisting clients in a professional manner because it was their fault all of this happened in the first place by not uploading security features. If nothing else, please make this complaint against Equifax for be uncooperative in assisting consumers. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

XX/XX/XXXX I just spoke to Wells Fargo Mortgage regarding the following : I own a home that has only my husbands name on record. My husband passed away XX/XX/XXXX, from XXXX. The home is in my name with the county, city and state records after probate. Wells Fargo will not let use the Internet or receive information other than paper mailing, which is still in my deceased husbands name. 

I received a letter ( that was very condescending ) stating I could still keep the loan on that property, keep the same interest rate, etc. but I would not be able to use the internet to access information and all communications would be by paper mail unless I assumed the loan. 

Today I called he telephone number for the Wells Fargo mortgage assumption department given to me in the letter. I was told to assume the loan in my husbands name that I would need to provide my income history, have an excellent credit score ( mine is over 800 ), and pay closing costs. I asked for an estimate of cost for closing and was told these amounts : Credit Report {$18.00}, Texas Doc Fee {$100.00}, and get this a 1 % of the loan Wells Fargo fee which would be $ XXXX. I stopped the agent then and said thats over {$1000.00} plus any other fees Wells Fargo Mortgage charges. No, thank you. 

She then said since the property was in my name I could refinance with Wells Fargo Mortgage, again a range of fees. I said, no, thank you, as I can refinance at any other mortgage loan company, possibly without closing costs, as the value of the house is 3-4 times the value of the current Wells Fargo Mortgage XXXX 

I think it is despicable that Wells Fargo Mortgage uses a widows circumstance to make money for only to be able to just be online with the mortgage account. 
I have had other situations with Wells Fargo Banking that would not have happened with XXXX with whom I bank with now. I have my friends and family tell me they do not like Wells Fargo and in fact just found out recently my granddaughter-in-law left Wells Fargo Checking and joined XXXX banking services. 

I will copy this information and distribute it to where ever I can find a site that critiques Wells Fargo. 

Thank you for your time and consideration. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

I received my credit report and found an account from Discover Bank. I have never had any accounts with Discover Card / Bank. I am a victim of ongoing identity theft and this account is a result of that theft. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove information that I have identified as fraudulent. I have already provided an affidavit of fraudulent activity to Experian and still they refuse to remove the information. They allege they verified the information with XXXX, however ; I have already informed XXXX that the information is fraudulent. XXXX 's legal representation advised me that I must file a fraud affidavit to have the information removed. They advised I must complete their packet, I have not completed their packet as there is no law that specifies I have to complete paperwork prepared by the creditor but rather simply file the affidavit with a law enforcement agency. I filed the affidavit with the FTC and am providing a copy of the affidavit to Experian.
Product: Credit reporting or other personal consumer reports

The closing date is on XX/XX/year>, and I paid the HELOC completely off on XX/XX/year>. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Product: Debt collection

I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX  XXXX  XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq date : XX/XX/XXXX There is also an open and accurate account from XXXX XXXX that is accurate it is NOT apart of this dispute its current and active from XX/XX/XXXX so that that open account as is. I am just requesting inquiry that I do not have knowledge on be removed.
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. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  - ACCT # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX- ACCT XXXX Account name : XXXX XXXX XXXX XXXX - ACCT 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Listed accounts 1XXXX XXXXXXXX  2.XXXX XXXX XXXX XXXX ( item labeled incorrectly derogatory. Should be marked Paid off ) Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, and Experian.
Product: Mortgage

Wells Fargo Home Mortgage set up an automatic draft to my checking account without my knowledge or consent. On XX/XX/2018, Wells Fargo Home Mortgage drafted my XXXX XXXX checking account # XXXX for {$700.00} without my approval or consent. In fact, it was noted that this was the result of an automatic draft being set up on mortgage account # XXXX. I have never set up an automated draft on any account for any reason. 
This unauthorized debit caused my checking account to be overdrawn by {$370.00}. Additionally, I have incurred overdraft charges due to this unauthorized draft in the amount of {$97.00}, with additional fees likely to be incurred as time passes without funds in the account. 
Wells Fargo has been contacted. Someone named XXXX assured me I would have my funds back in my checking account promptly. This has been over a week ago. Still no action has taken place despite my faxing statements and transaction history of the previously referenced checking account. 
Due to their fraudulent debit from my account and complete lack of action, I have not had money for gas, food, or other daily essentials. I have had to beg and borrow to keep going these last several days. This is an unacceptable practice and needs to be rectified immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/XXXX * Early Warning Services , LLC * Attn : Consumer Services * XXXX XXXX XXXXXXXX XXXX * XXXX, AZ XXXX Request to remove accounts from XXXX XXXX Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I would like the fraud alert associated with my credit across XXXX, XXXX, and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/Navient stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.
Product: Credit card or prepaid card

While making a purchase on HomeDepot 's website, homedepot.com, on XX/XX/2020 I was prompted with a promotional offer to sign up for their store credit card and I would receive {$100.00} off my $ XXXX purchase. I signed up for this credit card through the website, was approved, and paid for the purchase totalling {$1300.00} with the store credit card. I did not receive any discount at the time of purchase, and when I called the customer service line I was told it would show up as a billing credit on my next statement. 

Today, XX/XX/2020, when reviewing the billing statement that included this purchase there was no credit applied. I called home depot 's customer care team a second time, and was told that I would need to call the issuing bank in order to have this resolved. I then called the home depot consumer credit card support line ( XXXX ) which is run by Citi Bank, and was told that they were unable to assist me at the current time and I would have to call back in several hours to see if they could submit a case to their back-office. 

The run-around I am being given to receive the promotional credit I was promised is unacceptable, and is clearly designed to ensure people do not actually receive the credit they are owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple written disputes to Experian, XXXX, and XXXX regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with Experian, XXXX, and XXXX. 

The responses from Experian, XXXX, and XXXX clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from Experian, XXXX, or XXXX. I have not received any documentation to date from Experian, XXXX, or XXXX that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 1 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # 2 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXX XXXX XXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with Experian , XXXX , and XXXX. I am requesting the CPFB assist me in working with Experian, XXXX, and XXXX to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my follow up complaint to the XXXX, XXXX and TransUnion Credit Bureaus with the assistance of CFPB. I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. Once more the ACCOUNTS in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, XXXX and TransUnion Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXXXXXX Account Balance {$15000.00} TRANSUNION : XXXX XXXX XXXX Account Balance {$15000.00}