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

three student loans ( dept of edu XXXX ) and one ( XXXX XXXX XXXX ) are reporting under my equifax credit reporting agency, these are inaccurate and fraud accounts, please find attached my police report that i have inquired for being a victim of ID theft, these are not my accounts, please have equifax remove these inaccuracies since i have been disputing with them for the longest time, then these were removed and placed back after three or four months, they aren't even sure what they are doing, i have called so many times they know me already, but no one can solve my problem please you are my last hope since you are the voice of consumer thank you for your cooperation
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 Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I've noticed multiple loans and credit card companies on my credit report that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I been trying for over 1 yr to get these Fraudulent inquires removed, Transunion does not care about me, or care to correct it. and not one company removed it after i personally called them. They agreed it was fraud but left them on. Its these Inquires below 1. XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX  XXXX XXXX  ( shopping ) XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX  XXXX XX/XX/XXXX 8.XXXX  XXXX  XX/XX/XXXX 9.XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX 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, TX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$09.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus TransUnion, XXXX, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : 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. And I have proven that. I've attached clear and undisputable proof to back up my claim.
Product: Debt collection

I am writing to dispute several hard inquiries listed on my credit report, which I believe are the result of unauthorized access to my personal information due to a data breach. These inquiries were not authorized by me and were made without my consent. I request that these inquiries be removed from my credit report pursuant to the following laws : XXXX. 15 U.S.C. 6802 : This section of the XXXX XXXX protects consumers by restricting the disclosure of nonpublic personal information, which includes personal data involved in data breaches. Unauthorized access to my personal information violates these protections. 
XXXX. 45 U.S.C. 1681b : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reports may only be accessed for permissible purposes. The inquiries listed on my credit report were made without my authorization and do not meet the legal requirements for permissible purposes. 
XXXX. 18 U.S.C. 1028A : This section criminalizes the unauthorized use of personal identification information. The fraudulent hard inquiries resulting from the data breach constitute a violation of this statute. 
The inquiries in question were made by the following institutions on the following dates : XX/XX/year> by XXXXXXXX XXXX XXXXXX/XX/year> by XXXX XX/XX/year> by XXXX XX/XX/year> by XXXX XXXX XXXX Since these inquiries stem from unauthorized access to my personal information, I request that you remove them from my credit report immediately. The presence of these inquiries on my credit report is damaging and a direct result of identity theft.
Product: Checking or savings account

I am filing a formal complaint against Wells Fargo Bank for failing to return {$150.00} that was supposed to be refunded from XXXX XXXX XXXX XXXX XXXX XXXX ) after a rejected XXXX transfer. Despite multiple attempts to resolve this issue, Wells Fargo has unjustly denied my claims, failed to properly investigate the matter, and left me financially vulnerable. 

Issue Summary : On XX/XX/XXXX, I initiated a {$150.00} XXXX transfer from my Wells Fargo account to my XXXX XXXX checking account. However, my XXXX XXXX account was closed due to a negative balance. On XX/XX/XXXX, I received an email from XXXX XXXX stating that the funds would be returned to my Wells Fargo account. 

Despite this, as of XX/XX/XXXX, XXXX XXXX months laterI have not received my {$150.00}. I have contacted both banks multiple times. Wells Fargo insists the transaction was successful and refuses to acknowledge the return of funds. I have submitted disputes and claims, all of which have been denied without proper justification. 

This situation has caused significant financial hardship, as this was my last available money at the time, and I was left struggling without these funds. 

Consumer Law Violations : Wells Fargos actions violate multiple consumer protection laws, including : 1. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 ( f ) Regulation E ( 12 C.F.R. 1005.11 ) requires banks to investigate and resolve electronic transaction disputes in a timely and accurate manner. Wells Fargos failure to return my funds and their unjust claim denial violate these protections. 
2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 If Wells Fargo falsely reported the transaction as completed while failing to credit my account, this constitutes misrepresentation and failure to provide accurate account disclosures. 
3. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) 12 U.S.C. 5531 Wells Fargos repeated claim denials, despite clear proof that the funds were returned, amount to unfair and deceptive banking practices that have caused me financial distress.

I have attached the following documents : Emails from XXXX XXXX confirming the return of funds Return trace numbers Wells Fargo claim numbers Screenshots of XXXX transaction history Correspondence with both banks
Product: Credit reporting or other personal consumer reports

US Bank {$26000.00} XX/XX/year> This account was opened. Fraudulently My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, AND or they are older than what the FCRA time line permits for credit reporting by the credit bureaus. Additionally, there are a couple of inquiries in which I did not authorize and my name is wrong several times in my personal profile.
Product: Credit reporting or other personal consumer reports

I had contacted XXXX report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.
Product: Student loan

I declared XXXX XXXX years ago, with a 100 % repayment plan. My student loan administered by Nelnet was included. My XXXX was XXXX a little over a month ago, after a period of time ( XXXX weeks ) for my creditors to tell the trustee if the debt was not repaid. Nelnet did not do this, as my bankruptcy was successfully XXXX. Today I got a bill from Nelnet saying that I still owe {$4400.00}. I called, and was told that there was a XXXX loan that was not included in the bankruptcy. I paid back nearly {$75000.00}, which is more than what my XXXX loans ( subsidized and unsubsidized ) were for at the time of bankruptcy was declared. I consolidated my loans, so there were no random {$4400.00} loans lying around. 
I called Nelnet today, and eventually spoke to an Account XXXX, and asked for details why they were claiming I still owed them money. They would not tell me which loan ( subsidized or unsubsidized ) was still not paid in full and they would not give me a name or phone number for my lawyer and Trustee to call. They told me that I have to go back to my lawyer and the Trustee to handle this, and my lawyer and the trustee have to call a XXXX phone number to contact them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  sent a debt to awa collections or the collection agency awa bought a charged off debt. not sure which one. I disputed it in XXXX of XXXX sent documentation to support my case to awa and it was closed. Received a letter in XXXX XXXX for same debt from awa collection and called immediatly to dispute again. The person handling my case since XXXX of XXXX named XXXX said she would take care of it. The debt showed up on my credit report in XXXX as I needed to buy a car and my credit rating went from XXXX to XXXX because this debt that I did not owe and already proved in XXXX of XXXX was reported to XXXX on XX/XX/XXXX by awa collections. I wa sturneddown for loans or offered a loan with very high interest rates making the payments to high for my budget. I went back and forth between awa XXXX and XXXX for the next couple months. I asked XXXX in several phone callls how they validated the debt she said they were waiting to hear from the original creditor and continued to report as a valid debt. it wasnt until I sent a certified letter asking for verification and validation that they took it off no explaination and said they didnt need to send me the information I asked for. It is to late my credit score is ruined and it is directly the fault of awa collection mainly XXXX that handled my case. I had to use cash advance from my credit card to buy a car so now the balances are high and I have numerous inquires on my credit report I am moving in a month and my credit score is only at XXXX which is far from XXXX which I worked hard to get and maintain until AWA decided to ruin my life.
Product: Mortgage

In 2011 I was denied a loan modification by Wells Fargo after I lost my job and they foreclosed on my house in less than 6 months and would not work with me in any way to keep my house
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX, CA, Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!
Product: Checking or savings account

On XXXX XXXX I went to XXXX XXXX store to use the Wells Fargo ATM inside I first went in to deposit {$240.00} then I went back home because I had forgotten {$800.00} that I needed to also deposit. I came back to the XXXX XXXX store to deposit the {$800.00} but when I deposited it only credited me {$600.00} so I called Wells Fargo immediately and let them know what had a accured.. on XXXX XXXX  I was credited the {$200.00} so I was like ok thinking that when they opened the ATM machine those {$200.00} were going to me there.. On XX/XX/year>XXXX  I got a letter stating that they opened up the ATM and they didn't find those {$200.00} so that they were going to take those {$200.00} back. I was upset because I have no reason to lie about the deposit I made I've been with Wells Fargo for 2 or 3 years and haven't had a problem I'm usually always going to that ATM to withdrawal or deposit and haven't had a problem until now.. I told the Wells Fargo associated that the money could of been easily spit out to another customer and the machine will not record that and no one was going to call them if a customer indeed received extra money from the ATM.. I'm a single mom of XXXX currently receiving benefits and I really need my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX was added to my credit file by XXXX XXXX XXXX XXXX This address I never lived at this XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor received MAIL there. This is an 18 U.S. Code 1342 federal law prohibiting using a fictious name or address in any matter related to the United States Postal Service
Product: Credit reporting or other personal consumer reports

Equifax has allowed DEPT OF EDUCATIONXXXX to report my account 150 days late, but this account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 0 late payments being reported. I would assume it is impossible to report an account to have 7 late payments and 0 late payments with the came creditor for the same dates. With it being late on Equifax but zero late payments on XXXX. The error is illegal and unethical equifax failed to an investigation. DEPT OF EDUCATION/XXXX failed XXXX perform an investigation. The incorrect late payments has been damaging to me. Remove incorrect accounts immediately. I called DEPT OF EDUCATIONXXXX representative confirmed that the late payment was incorrect she stated it will be updated, but it has not yet been updated.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payment on XXXX XXXX XXXX XXXX XXXX despite the multiple letters I sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Disputed 3 Times with equifax, also send a letter to XXXX XXXX  for a copy of the signed agreement and purchase agreement with no response.
Product: Credit reporting or other personal consumer reports

I have disputed a address with all 3 credit bureaus several times I explained that I am a victim of identity theft and their system had a data breach and somehow someone as access my personal information and used my information for loans. Credit cards, banks, phone companies ETC. please remove all addresses off my account. I am requesting all documents from each company including signatures that claim any account belongs to me or I will file a lawsuit against all companies and agencies for fraud, identity theft and violation of federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX