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

Hi My name is XXXX XXXX I am here to make a complain on XXXX XXXX XXXX XXXX this is a company that helps you with IRS matters but never did anything for me at the time i was going through so much i was getting audit at the time and me sicking help found this company but never helped me.This company was a scam and me being in need they took a banish, I was the one that not knowing how to go about this situation called the IRS myself made a payment arrangement and settled it with them. I did question them if anybody had stepped in. in my behalf and they said no. At that point me not knowing continue on paying my dues with them because I did not want this to affect me on my credit. Called the XXXX XXXX number XXXX they gave me and made a complaint but nothing was ever fix and now it continues to affect my credit still after time. I need any help I could get to fix this matter. I would greatly appreciate. Thank you, Sincerely XXXX XXXX. ( XXXX ) XXXX
Product: Credit card or prepaid card

I'm being charged penalty fees for my Dillards - Wells Fargo account, even though my balance was paid last month. 
On XX/XX/XXXXXXXX XXXX I paid Dillards West Fargo phone system the amount of XXXX dollars from my XXXX Account. 
Just recently, I started to receive delinquent calls from XXXX XXXX demanding a payment for delinquent fees. 
I stated I had paid the XXXX balance on time and I had the record. 
After 2 hours of dealing with their system and customer service, they could not acknowledge my payment and requested a fax with the bank statement. 
Their customer service is deficient and does not keep accurate track of the incoming payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an XXXX XXXX helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in XXXX  since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in XXXX XXXX XXXX XXXX XXXX XXXX and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

What you need to submit To block trafficking-related information from your credit report, you need to submit : ( 1 ) Proof of identityI sent my CLEAR copy of my drivers license, ( 2 ) Trafficking victim determination I provided this notarized statement from a court appointed notary- You also may provide a self-attestation, provided that it is signed by a representative from a governmental entityXXXX XXXX XXXXXXXX XXXX also is authorized by a government entity, court, authorized NGO or human trafficking task force.

( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. 
Thank you for your understanding and cooperation. 
I have done all that is required and they still have not responded and its been a month.. They said staff is not trained and they need to submit to the companies for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


13.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. Equifaxs continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within 30 days.

Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FDCPA and they are in violation of the law. 

These violations include but are not limited to : Section 809 ( b ) Section 809 ( a ) Section 807 ( 8 ) Section 807 ( 10 ) 813. Civil liability I am frustrated because these accounts that should have been removed are impacting my life.
Product: Credit reporting or other personal consumer reports

My federal student loans were transferred from XXXX to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to XXXX. However, both XXXX and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXXXXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Product: Credit card or prepaid card

Hello, I have contacted Comenity for Victoria 's Secret on Wed night at XXXX and this XXXX at XXXX to request that they cancel the application. The application was done just minutes before XXXX on Wednesday, so the request was immediate. I was misled about this card account and do not wish to have a credit account with Victoria 's Secret. The application is in process and I was given a message that they needed to review and I would receive a decision in 10 days. However, I do not wish to have this account and requested that they stop the application. They have refused. I spoke to an incredibly rude and unprofessional representative named XXXX or XXXX in the application department who was supposed to be a supervisor.
Product: Mortgage

I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I summited a dispute regarding a negative account reflected in my credit report. This account is listed as DSNB/Macys account # XXXX the reporting party " DSNB '' noted that the account was verified and and current status is now charged off. DSNB has failed to respond to my numerous disputes regarding this fraudulent account. This account does not belong to me nor did I give consent for this account to be created. Furthermore, DSNB continues to report this account as belonging to me which has caused me great hardship financially. DSNB has failed to respond to my inquiries related to the validation of this account and has not provided me any factual information to help me determine where this account came from so I can file a police report. ( Consumer Report # XXXX as of XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax My name is XXXX XXXX and i am a natural person. 

I am writing this to get some inaccurate info removed. The inaccurate information in question is as followed : On XX/XX/year> I submitted a complaint with XXXX XXXX XXXX about an alleged debt that was being reported on all XXXX CRA 's ( Complaint Id # : XXXX ). Upon further investigation the company responded on XX/XX/year> with a .pdf file acknowledging that the alleged debt needs to be deleted and had notified all XXXX CRA XXXX to delete the collection. Under the FCRA, 15 U.S. Code 1681n if a consumer reporting agency furnishes incorrect information to a XXXX party ( such as a creditor ) and the consumer suffers damages as a result, I, the consumer, may be entitled to damages, including statutory damages of up to {$1000.00} per violation, as well as actual damages and attorney 's fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this complaint as a follow-up to my previous communication to the Experian, XXXX, and XXXX XXXX XXXX the identity theft incident I experienced. According to FCRA section 605b, XXXX XXXX XXXX are obligated to remove and block any unauthorized inquiries listed on an identity theft report. Once again, I have attached the necessary documents to support the blocking and removal of the inaccurate information that has been posted on my report. Below is a list of inquiries that are not associated with me or were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Again, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXXL XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Me and my wife have lived in our house since XX/XX/XXXX, with a 2.25 % interest rate. 
During COVID 19 epidemic I took advantage of payment assistance program Wells Fargo offered, this was the beginning of XXXX. I am self employed and my wife was in school and I was hit by loss in work due to not being able to enter customers homes. Initially when I spoke with them they said when the time came to pay back the payments I would be able to tack them on to the end of my mortgage. In XXXX Wells Fargo reached out on how to proceed with picking up the payments they all out denied the fact they told me they would place it on the end of the note. They said our only option was to do a loan modification. We started that process, with the loan modification they gave us a covid grant from the government that paid for the year or so for skipped payments. Then I filled out and got papers notarized and sent them in. I waited for it to be approved and wells fargo called me around XXXX and I made a double payment on XX/XX/XXXX for XXXX then in XX/XX/XXXX I made XXXX and XX/XX/XXXX another XXXX. They sent us more papers in the mail saying we had to re- apply for a modification because " I made a payment that was not for the right amount ''. Next month comes around and they now start saying that I did not make payments on time so I automatically was kicked off the original modification ( which they never sent anything saying we were approved for modification in the first place ). I argued and talked to multiple people and never got an answer on where the original federal government grant money they got for our loan went. Still they said that I could not go back to the original modification or get payments tacked on the end. They now given us two options, foreclosure or a NEW 40 year mortgage at 7 % interest and the XXXX in payments in interest skipped that was suppose to be covered by the government grant is in a different account that we have to pay whenever the house is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus.

1. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Product: Student loan

I applied for the XXXX XXXX for the XXXX - XXXX semester. However, I am also showing I received funding from XXXX. I have no idea what that it. It has been about a week and still nothing in regards to my XXXX XXXX and the update for CONSOLODATION LOAN.. The XXXX website has been down for 2 days now, so I am waiting to see that information. When I contact the school about the loan for the XXXX loan, they send me to the XXXX website XXXX but now for the XXXX year they are telling me to go to workday. I had tried multiple times to get information for the charges for semester. The school has continued to tell me that they have already given me enough funding, but they keep changing my XXXX information. They change my refund amounts. They change my purchases. And apparently now I have grants or loans that I do not even know exactly where they came from. There are disbursements and semesters that I have not even appeard to for class, however there is XXXX information and aid sent. 

Student id XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX
Product: Credit reporting

I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX
Product: Credit card

Capital One sent me a lot of pre-approval credit line but when I did signed up they denied me so now its on my credit report and Im down XXXX from my credit report