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

I am writing to formally request that the following accounts and inquiries, which were fraudulently opened as a result of a data breach, be blocked and deleted from my credit report pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent, and I am requesting their immediate removal. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My bankruptcy was XXXX years old as of XX/XX/XXXX. I registered a complaint with XXXX and Equifax about the age of my bankruptcy which was discharged in XX/XX/XXXX. Both of these entities removed the bankruptcy from my credit report. Now XXXX said it would stay on my report for 10 years. I think this is unfair and unjust. The XXXX major credit bureaus removed it. Why is XXXX hanging on to something that is over 7 years old? I have sent two disputes and have been shot down both times. I need this to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This alleged account that I have no knowledge of is In violation of these FCRA laws See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 611 ( a ) ( 2 ) [ 1681i ]. Section 623 Section 312 Section 616, of the Fair Credit Reporting Act ( FCRA ) please deleted this XXXX XXXX XXXX  AS I HAVE NO KNOWLEDGE OF WHO THIS CREDITOR
Product: Student loan

I have loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting my Telecheck, XXXX XXXX  and XXXX credit report.
Product: Credit reporting or other personal consumer reports

I have no recollection of XXXX things on my credit report at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have been receiving calls and collection statements from Portfolio Recovery Associates. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.
Product: Checking or savings account

I received an email from Wells Fargo on XX/XX/2021 stating that my Wells Fargo card has shipped. I thought this was a phishing attempt, so I forwarded the email to XXXX and deleted the email. A few days later I continued to receive emails from Wells Fargo with welcoming instructions for a new checking account that I did not open. I then proceeded to call Wells Fargo on or around XX/XX/2021 to report potential fraud activity with a checking account I never opened. After speaking with the Wells Fargo fraud department, the representative stated that they did no see any new accounts open under my name and social security number. Later that day I was informed that a debit card had been shipped to my residence showing that a new account was opened in my name, which I did not open. On XX/XX/2021, I called Wells Fargo back to get ahold of their fraud department, which I finally did. The representative I spoke to stated that two checking accounts have been opened in my name within a week and half. He said that the accounts would be frozen during their investigation. He also stated that I should place a freeze on my three credit reports to ensure no further fraud could take place. He also stated that I would receive a fraud packet in the mail with guidelines on protecting myself and the steps to take to avoid further fraud. 

I then placed a freeze on my three credit bureaus and waited for the packet in the mail. After nearly a month of waiting, nothing came in the mail. I then walked into a local branch to discuss my situation with a branch manager. The branch manager stated that Wells Fargo as seen an exponential amount of new checking accounts opened within the last two months and they were rapidly exploring why. I stated that it seemed Wells Fargo was opening accounts frequently to boost quarterly numbers as they have done so in the past. One thing to note, I was previously a Wells Fargo customer. I closed all accounts about seven years prior to this new checking account being open. The branch manager said that they keep all customers data on file forever. The branch manager went on stating that they think a vendor could have leaked data which allowed new checking accounts to be re-opened. The branch manager said I should have received a fraud packet in the mail by now, which after nearly two months, I have not. 

I am in the process of opening some retirement accounts and purchasing a new vehicle. Since I have frozen my credit bureau accounts, it is becoming difficult to do so. This has cause an increase in stress and frustration that should have been avoided if Wells Fargo had better security measure 's in place. Keeping customers data forever should not be allowed and should be expunged after " x ' amount of time.
Product: Debt collection

I received a statement dated XXXX XXXX, 2016, from XXXX XXXX XXXX. 

The amount was paid in full on XXXX XXXX, 2016. 

I later received a collections notice dated XXXX XXXX from Computer Credit , Inc, for this debt which was paid in full two weeks prior.
Product: Credit reporting or other personal consumer reports

Please remove XXXX XXXX XXXX Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Credit reporting or other personal consumer reports

I recently receive my credit report and I found inaccuracies with my personal information. I found many names I do not refer as. This is hurting my creditability and my ability to obtain credit and buying a house.
Product: Debt collection

Called my employer and left messages on my employer 's voice mails stating this was a debt collection agency trying to get in touch with me about an unpaid debt. I was warned by my employer that they will not tolerate this kind of matter.
Product: Student loan

I currently have federal student loans with Nelnet. Im still in XXXX XXXX  in XX/XX/XXXX and my loan payments arent due until after then. On XX/XX/XXXX they charged {$170.00} to my account I have on file for autodebit payments. When I noticed on XXXX I had to wait on hold for XXXX hours where a rep informed me not only did she not know why that money was charged to my account, but theres not even any record of it so it wasnt even applied to my loans. So nelnet is just stealing and pocketing money from students. I then asked to speak to a supervisor who advised me to upload photo evidence of the charge from nelnet to my account with my acct number and a brief summary on the situation to my nelnet documents and then someone from nelnet would eventually reach out to me regarding it. I uploaded that right away and 16 days later still no contact from them. I call again and after XXXX more hour on hold they tell me they can request for the refund but it can take XXXX weeks to be issued. All I asked from them then was an email stating that a request was submitted for my refund, she couldnt do that for some reason so I ask for a supervisor, she gives me the same answer. Their customer service hours are so limited and wait times are so long I barely even have the time to call them between working full time and going to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

For SIX MONTHS, the Equifax Credit Freeze web sites has not worked. Their website is broken and one of the most dysfunctional website I've seen. 

This is especially apparent on the Credit Freeze page. And, apparently, no body in their IT department is monitoring your web sites because they didn't know they had a problem with the credit freeze page. It still doesn't work and it hasn't for SIX MONTHS. On my.equifax.com, click on Freeze and you get a page saying 'we  can't complete your request at this time '. Wouldn't removing a freeze be somewhat of a priority?? 

I had someone perpetrate fraud on me years ago and since then, I've been very careful with my credit. I currently have freezes on all of my credit reporting accounts. When trying to remove a freeze from my Equifax account, we are forced to call. The number took me to a customer service office outside of the US. The login system asked automated security questions and I had a hard time understanding the computer voice as I have hearing loss. Apparently, not understanding what the choices were ( even though I had an open credit file in front of me ), it failed me. The online  representative, an XXXX, refused to identify himself further ( but after a bit of haggling gave me XXXX ) was not helpful. He could not re-ask questions. He refused to assist me even though I identified an American 's with Disability issue on hearing problems. And, especially with COVID-19 problems causing all sorts of financial difficulty, he refused on both of those requests. 

Equifax is the WORST credit bureau out of the three. The other two 's websites worked great. The President, XXXX XXXX, ignored attempts to contact him directly.
Product: Credit reporting or other personal consumer reports

Details of the Issue On XX/XX/year>, I formally disputed a debt reported by XXXX XXXX XXXX ( MCM ) with all three credit reporting agencies ( Experian, XXXX, and XXXX ). I provided supporting documentation, including a police report and an identity theft affidavit, and requested that the debt be removed until XXXXXXXX XXXX XXXX XXXX XXXX ) validated the alleged debt. 

Despite my timely dispute, all three CRAs failed to conduct reasonable investigations or properly address the inaccuracies in my credit reports. The debt was not removed from my credit reports until XX/XX/year>, months after I provided evidence and filed my dispute. This delay caused significant harm to my financial standing, emotional well-being, and reputation.

Issues with CRA Conduct 1. Failure to Conduct Reasonable Investigations Under FCRA 611 ( a ), the CRAs are required to conduct a reasonable investigation into disputes. In this case : The CRAs continued to report the debt without requiring proper validation from XXXX XXXX XXXX. 
The CRAs failed to account for the evidence I provided, including a police report and identity theft affidavit, as required by FCRA 605B.

2. Prolonged Reporting of Fraudulent Debt Despite being notified of my identity theft claim and dispute, the CRAs allowed XXXX XXXX XXXX to continue reporting the debt, violating FCRA 1681e ( b ), which mandates the accuracy of consumer reports. 
The debt remained on my reports until XX/XX/year>, months after my initial dispute. 
XXXX. Failure to Block Fraudulent Debt As a victim of identity theft, I provided the required documentation under FCRA 605B to block fraudulent information. The CRAs failed to act promptly and continued to report the debt until it was eventually removed.

4. Delayed Correction of Inaccurate Information The CRAs only removed the debt after significant delays, which caused financial and emotional harm. This violates their obligation under FCRA 1681i ( a ) to correct inaccurate information after a dispute.

Harm Caused 1. Financial Harm : The inaccurate reporting of this debt lowered my credit score, resulting in credit denials and higher interest rates on loans and credit cards.

The delay caused me to lose financial opportunities.

2. Emotional Distress : The CRAs failure to promptly investigate my dispute and remove the fraudulent debt caused stress and anxiety.

3. Reputational Damage : The prolonged presence of this invalid debt on my credit reports harmed my reputation as a reliable borrower.

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) : 1. 1681e ( b ) : The CRAs failed to ensure the accuracy of information in my credit reports.

2. 1681i ( a ) : The CRAs failed to conduct reasonable investigations into my dispute and correct inaccuracies promptly.

3. 605B : The CRAs failed to block fraudulent information despite receiving appropriate documentation, including a police report and identity theft affidavit.

4. 1681s-2 ( b ) : The CRAs failed to ensure that XXXX XXXX XXXX XXXX as a furnisher, properly investigated and corrected the inaccuracies.
Product: Checking or savings account

When I went to deposit my {$150.00} check and {$250.00} in cash at TD Bank ATM located at the XXXX XXXX FL XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ). I immediately called the corporate number for TD because the branch was closed. I was told to call the branch the next day when it was open so they could open the atm to sort out the issue. This was in XX/XX/2020 at around XXXX. The next day I called, and I was told to come in to get a new debit card since the machine ate it. While there, the employee ( XXXX ) told me that a 3rd party manages the ATM and that it will be automatically sorted within 1 business day and that I should not worry. Today is XX/XX/XXXX, and the issue is not yet resolved.
Product: Money transfer, virtual currency, or money service

I have possessed Zelle since its inception for both personal and business accounts ( XXXX  total ) and on numerous occasions funds have been sent to individuals who were engaging in fraudulent activities in which I had no protection from and was just told that those funds were a loss. 

After news of the recent lawsuit, in which there is an open case against ZELLE and other banks, I would like to elect my situation in hopes of being compensated for the several losses.
Product: Debt collection

More than a decade ago I incurred a debt with XXXX of {$10.00}. XXXX was the bank that issued the credit card for XXXX and XXXX. XXXX XXXX XXXX purchased the debt and took me to court where a judge gave me a judgment of {$8300.00} and monthly payments of {$100.00}. I paid this {$100.00} religiously every month and have bank records to prove it. 

I recently received a threatening and disturbing letter from Selip & Stylianou , LLP who claim they are attorneys at law trying to collect a sum of {$12000.00}. The judge already had a judgment which I paid and then the rest was charged off from my taxes. I have worked very hard to pay this bill and build my credit and these people are harassing me. 

I wish to file a formal complaint against Selip & Stylianou , LLP, Attorneys at Law at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Enclosed is a copy of their letter.
Product: Mortgage

I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX, Equifax, and XXXX have failed to address and correct inaccuracies on my credit report, even after I submitted multiple disputes. The errors remain unresolved, and no proper investigation has been conducted. 

The violations include : FCRA 623 ( a ) ( b ) : The account I disputed was not marked as " disputed '' on my credit report as required by law. 

FCRA 605 ( c ) : The reported date of last activity is incorrect and should accurately reflect the last payment date. 

FDCPA 809 ( b ) : The company has failed to validate the collection account, despite my repeated requests for verification. 

I request the CFPB to investigate these issues and ensure the credit bureaus take corrective action to fix the inaccuracies, mark the account as disputed, and validate the debt in compliance with the law.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally beyond was a victim of the Equifax data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX  XXXX XXXX Balance : {$0.00}. I believe it was reported in error.
Product: Student loan

I had 119 months of XXXX XXXX  employment certified through XXXX XXXX while my loans were being serviced by XXXX XXXX. My loans were then transferred to Mohela. I provided an additional employment certification form to them for the month of XXXX XXXX on XX/XX/ XXXX. I provided the form by mail, fax and uploading it to their website due to having prior issues with documentation with XXXX  XXXX XXXX. The form was received. On the Mohela website under form status it indicates it has been processed and to expect a notice within 7-10 days. That was weeks ago and I have not received anything in the mail and the website does not reflect any additional information. 

I have spent hours on the phone with customer service to try to get additional information or an understanding of why my count has not been updated to reflect 120 qualifying payments or why my loans have been forgiven at this time. It is literally paperwork for one month! My employment has been the same for the past 2.5 years. I work for XXXX XXXX XXXX. 

When I am able to speak to someone at Mohela, they do not provide any specific information about my account. They repeat information to me from a script and keep repeating that there is unprecedented interest in public service loan forgiveness. When I asked to speak to a supervisor, I was then put on hold for an hour and eventually I had to hang up. 

I have emailed them, I received a response indicating a request was put in for someone to contact me and no one has reached out.
Product: Debt collection

I received a payday loan from the XXXX XXXX approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from National Credit Adjusters. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. XXXX XXXX said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPAINT IS WITH TRANS UNION XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND TRANS UNION AND XXXX  XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO TRANS UNION THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.