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

This company Wellsfargo has been harming my credit for over 6+ years now. I have tried to reach them to have a conversation about the last settlement they offered and they just keep on leaving me on hold or they dont pick up. Ive tried to reach them several times the last time I got in contact with someone and they kept on transferring me to different departments, and at the end of the day they ended up clicking on me just want to clear my credit so Im able to buy a home my first home, but this is hurting my credit at the moment I almost paid off all my debt and this is the only one thats hurting me really bad.
Product: Debt collection

Disputed with the company since XXXX of last year. This account is not associated with me. I have been fighting this account since it showed up my report. This account is making it hard for me to obtain credit wise because its reporting negatively. I have reached out to the bureaus in regards to this. I have disputed it and nothing is done.
Product: Credit card or prepaid card

TO WHOM IT MAY CONCERN The company DISCOVER never gave me adequate notice on my right to rescind at the beginning of this consumer credit transaction. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and DISCOVER and I demand that you SHOW ME A DISCLOSURE SIGNED BY MYSELF OR CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for their repeated failure to process my dispute and their apparent disregard for the Fair Credit Reporting Act ( FCRA ) requirements.

Timeline of Events : 1. XX/XX/year> - Received first response from Equifax claiming documents were illegible 2. XX/XX/year> - Sent requested documents to Equifax 3. XX/XX/year> - Received second letter from Equifax claiming documents were illegible 4. XX/XX/year> - Sent enlarged, high-quality copies of requested documents 5. XX/XX/year> - Received third letter from Equifax, again claiming documents were illegible 6. XX/XX/year> - Sent escalation letter with enlarged, high-quality copies of requested documents 7. XX/XX/year> - Received fourth letter from Equifax, once again claiming documents were illegible Nature of Complaint : 1. Repeated Failure to Process Dispute : Despite multiple submissions of clear, legible, and enlarged copies of my identification documents ( driver 's license and Social Security card ), Equifax has consistently failed to process my dispute, citing illegibility of documents.

2. Potential FCRA Violations : Equifax 's actions appear to violate the FCRA, which requires credit reporting agencies to conduct reasonable investigations and correct inaccurate information promptly.

3. Inconsistent Claims : Equifax claims that the information provided does not match their records, yet simultaneously states they can not read the documents. This inconsistency raises concerns about their review process.

4. Failure to Provide Specific Guidance : Despite multiple requests, Equifax has not provided any specific explanation of what aspects of the documents are illegible or what specific information doesn't match their records.

5. Undue Delay : The repeated cycles of identical responses have caused significant delay in addressing the original dispute, potentially causing ongoing harm to my credit standing.

Actions Taken : I have made multiple good-faith efforts to comply with Equifax 's requests, including : - Sending enlarged, high-quality photocopies of requested documents - Submitting an escalation letter detailing the issue and requesting supervisor intervention - Attempting to contact Equifax customer service for clarification
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back.
These are inquiries from XX/XX/XXXX through XX/XX/XXXX.
Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.
Product: Credit reporting or other personal consumer reports

There was hard inquiry on my report XX/XX/XXXX by XXXX XXXX  which I did not authorize.
Product: Credit card

Bank of America credit card fraud has been going on since XXXX 2023. They are still claiming I owe over XXXX dollars and are charging late fees and interest and sending me to collection! I owe this bank nothing, but they are reporting me 199 days late on payments to XXXX, XXXX, XXXX, which is really hurting my XXXX XXXX!! I hope you can help. Bank of America has had over XXXX dollars total fraud on my credit card since XXXX of 2023. This all seems to me a little fishy?
Product: Money transfer, virtual currency, or money service

My debit and credit cards that are attached to Google Play has been used to make unauthorized charges within several apps. I do not know who utilized my cards but the transactions were NOT authorized by me. I have tried contacting Google in regards to these unauthorized charges that date from XX/XX/XXXX all the way to XX/XX/XXXX. They have denied my claim on multiple occasions. These charges stem from people that reside all the way in XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported an unauthorized hard inquiry on my credit. I do not recognize nor authorized XXXX or XXXX XXXX to pull a hard inquiry on my credit. TransUnion also reported my employment to be incorrect showing wackenhut. This is negatively impacting my credit! I attempted to contact TransUnion and they said I need to do this in writing
Product: Credit reporting or other personal consumer reports

Hello! I placed a security freeze on my credit report about a year ago due to credit card fraud. I was able to successfully remove the freeze from XXXX and XXXX. However, I am unable to lift the security freeze from Experian as it appears someone hacked into my account and changed the email address/phone number associated with it. I'm unable to authenticate myself on the account as a result. I called into Experian 's phone # multiple times, but nothing could be done as I couldn't authenticate. Then, in a letter dated XXXX I sent Experian a letter asking for the security freeze to be lifted, and included my SSN, phone #, email address, last XXXX home addresses, marriage license ( name change ), homeowner 's insurance bill ( proof of address ), and copy of my passport. Experian sent me a letter back stating " A security freeze is already in place on your account. '' This is obviously not what I asked for. I had asked for it to be removed. There was no phone number to call and I'm unable to reach an actual person to speak with. I am just trying to get the Experian security freeze on my account removed.
Product: Mortgage

This complaint concerns HELOC loan account number XXXX. This loan was paid off on XX/XX/2021 in anticipation of the sale of the residence. I received a letter dated XX/XX/2021 from the bank indicating the loan was paid in full. However, they have refused to file the proper paperwork with the County Recorder of Deeds in a timely manner. This will be holding up my closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain.

My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Hi, so on XX/XX/2022, XXXX PORTFOLIO XXXX opened a collection account on my XXXX  credit report, with original creditor reporting as " XXXX XXXX XXXX XXXX '' with a balance of Open balance of {$8500.00} This is like so past the statue of limitations to be collectable so they should not have done this. I had previous CFPB complaints about this as follows : XXXX XXXX so like this is so crazy, like can you please clear this up and take it off, it is past statue of limitations for this debt collector to be doing this, come on now.
Product: Money transfer, virtual currency, or money service

I was doing a little side hustle for some extra money. People would send me money on XXXX. I would buy bitcoin with the money they sent and keep a keep an agreed cut. The people then made false claims to chase that I committed fraud and they got their funds back and the funds were removed from my account. The people lied to chase. So they got to keep the bitcoin and get their money back XXXX XXXX and making my account lose {$690.00} and go {$100.00} negative. I contacted chase about this situation multiple times and they tell me I lost the dispute and that there isnt much they can do.
Product: Consumer Loan

Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship
Product: Student loan

Good Day, My student loan was recently transferred to Mohela from XXXX. 

I became unemployed XX/XX/XXXX and submitted proof for a financial deferment to be back dated to that date. ( Unemployment insurance document submitted ) Due to the pandemic and having more pressing matters, I was only able to contact Mohela after this transfer from XXXX had taken place. 

For 4 months, I have tried to get someone on the phone. If a customer has to call XXXX on different days and times and is not successful, there is obviously a problem at Mohela with customer service. 

I submitted my deferment online and it was denied without explanation other than 'out of time frame '. It is common sense to know this may be the case given the times we are living. Previous loan servicers have backdated with no issues. If Mohela will not answer phones, how is a customer supposed to take care of business with their student loans? I do not understand the correspondence being sent back to me and need a human touch instead of robot answers. 

Lastly, I am writing because I also called for information about my PSLF application and do not trust that it was submitted due to not being able to talk to a human to confirm. I could not get questions answered BEFORE I submitted so I could submit things properly. My account says it was submitted but my situation is complicated. The IRS states no transcripts are given past 10 years unless we submit special forms that could take 6 months to receive a reply and my employer closed. Given I worked for 3 different non-profits, I had to submit 3 different applications, not knowing what to do because Mohela never answers phones.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to the Consumer Financial Protection Bureau ( CFPPB ) in complaint number XXXX on or about XX/XX/2021 that my personal credit report would be mailed to me as requested. Further, Experian advised that it would take up to 10 days to receive the mailed report. Now, 4 weeks later, I have yet to receive the Experian credit report. However, for the record, I have received my credit report from both XXXX and XXXX, which was requested at the same time. Therefore, Experian should expedite this past due request.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONDITIONAL ACCEPTANCE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experain XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear, I agree to pay the following financial obligation regarding account XXXX XXXX XXXXXXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer. 
-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX  number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt.

Thank You, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card or prepaid card

Hi problem goes to my credit card company Capital One. My card was restricted to be used and the reason was authorized users on the account that I attached couple of months ago. I called talked to higher management in capital one credit services customer service number on the back of the card.Customer service agent ( manager ) is saying for them to remove restrictions from my capital one venture card I need to send each and every authorized users driver license back and forth and social security number pictures totaling XXXX authorized users. I explained the manager working at capital one it will be better if they just remove all authorized users from my card rather then me asking for their personal information because I feel like its illegal and I dont want to do it.And she said that thats the only way to remove restriction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from Equifax stating that a fraudulent account that was previously disputed and removed under The Fairs Credit Act 605b for Identity Theft, was re-inserted to my consumer file ( I have attached this letter for reference ). On XXXX, XXXX, 2022 a certified letter was mailed to Equifax reporting the fraudulent crime ( XXXX Tracking # : XXXX ). All supporting documentation was submitted with the dispute of the fraudulent account including an Official Police Report from the XXXX Police Department confirming the Identity Theft on XX/XX/2022. Equifax removed removed the account under The Fairs Credit Act after receiving the supporting documentation. A letter was also sent to the Furnishing company including a cease and desist letter upon which they agreed to. As of XXXX, XXXX, 2022 ( according to the letter sent by Equifax ), the fraudulent account has now been re-inserted to my consumer credit report with the addition of a collection account from the same furnishing company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). Due to this re-insertion and in addition to the collection account, this fraudulent account that HAS BEEN CONFIRMED AS IDENITY THEFT is causing severe financial hardship for myself and my family. Equifax stated that " the company certified that the account belongs to me '' WITHOUT explaining how this certification was determined. According to Section 605B of the Fair Credit Reporting Act, " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of info
rmation identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. '' EQUIFAX is in DIRECT violation of my rights under the Fairs Credit Act 605b by reinserting this fraudulent information in addition to the collection account by the same furnishing company. This is CLEARY a VIOLATION as the XXXX XXXX XXXX police Department is under State Law and confirmed the existence of Identity Theft from this account. I have attached all supporting documents including the Official State Of Florida XXXX XXXX Police Department Police Report. I am reporting this violation of my rights under the Fairs Credit Act to the Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX Balance : {$380.00}
Product: Consumer Loan

I have a line of credit with HSBC on XX/XX/2007 they sold my loan to XXXX on California the terms of my loan was for 72 months. For XXXX this guy sent me a letter for the same amount for the last ten years paying him he charge Me loan areage interest I do not have any XXXX form from him the last ten years he say he forclosure my house if don pay him and he charge me for his lawyers fees. No statements from him just treating lettets