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

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and an account that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got logged out of my robinhood APP and then locked out when i tried to use my known password. I tried to get it reset to no avial. I have been trying to email, chat, and call since XX/XX/year> when this occurred. 

Since i kept trying, instead of helping they just cancelled my account, kept my money, and locked me out, and has never contacted me.

I need my account reinstated and my monies available.

I can verify my identity in all ways they may need.

i did find my old email and have the backup codes, but they will not talk to me on any platform But they will NOT respond in any way and i just want to get into my account and get my money out of there asap.
Product: Credit reporting or other personal consumer reports

I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX  XXXX  Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
LVN Funding Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Product: Credit reporting, credit repair services, 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 ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.
Product: Credit card or prepaid card

On XX/XX/XXXX I was to receive {$790.00} ( retirement ) and on XX/XX/XXXX {$770.00} SSI. Once my SSI was deducted I received {$23.00} as my monthly SSI/XXXX  payment. This left me awaiting my retirement money which I am told is on a different debit card with a different card number. I have tried and tried to call DirectExpress and resolve this issue and I get nowhere. They say they need to transfer me to someone else and every time it only gives me the original menu for the wrong people. 
I have been able to find out that the retirement card starts with XXXX and ends with XXXX. Also I have an account number XXXX and possible tracking number of XXXX. I have this info but I can't even get to talk to someone to use it.. I have tried for nearly a week.. It's possible it got sent to an old address.. I called there and they don't have it or it may have been sent back. BUT again, I can't talk to someone to do a search or tell me something tangible. I really hope your agency can help me.. My rent is over due and I'm looking at being homeless which scares me.. Thank you!!
Product: Mortgage

In XX/XX/2009, a mortgage with XXXX was discharged in a Chapter XXXX bankruptcy. The debt was never reaffirmed. I have documentation from XXXX stating exactly that. The loan has been sold multiple times. The most recent purchaser has reinstated the debt and reported with the credit Bureaus. The debt was never reaffirmed with any owner of the mortgage. This company is in violation of federal laws pertaining to bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXXt {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX  {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX- {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Product: Debt collection

I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for its failure to remove a fraudulent XXXX XXXX XXXXXXXX account ( Account # XXXX, date opened : XX/XX/year> ) from my credit report, despite clear and compelling evidence proving it is the result of identity theft. The account was IMPROPERLY REINSERTED without providing the legally required notification, leaving me confused, frustrated, and under the false impression that this issue had been resolved. This account was reported without any written authorization, and I had no involvement with it. I have submitted a police report along with supporting documentation to substantiate my claim. Both XXXX and XXXX reviewed the same evidence and promptly deleted the account, yet Experian continues to report it. This demonstrates a clear lack of diligence and a failure to fulfill its obligations under the FCRA. By maintaining this fraudulent account on my report, Experian is in violation of 15 USC 1681b for reporting information without a permissible purpose, 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, and 15 USC 1681n for willful or negligent noncompliance with the FCRA. The ongoing presence of this fraudulent account has caused significant harm to my financial well-being, credit score, and overall peace of mind. The emotional distress and financial damage I have suffered due to XXXX negligence are unacceptable. XXXX continued refusal to correct this error after receiving substantial evidence shows a disregard for consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and Equifax concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and Equifax. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX   XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
Product: Mortgage

Following over two month and endless financial documents uploaded, this loan application with Quicken loans never closed. They provided no information, update, or any insight as to why this loans was held up in a perpetual never ending process. I was mislead and lied to as to the terms of the mortgage without any explanation. I was assessed points and higher closing costs without any explanation. I final today demanded to cancel this loan application. They could care less!!!!
Product: Student loan

I paid Mohela XXXX dollars last year for tax purposes on or around XX/XX/22, but Mohela applied it mostly to principal. When I noticed this on XX/XX/22 I began contacting them repeatedly online, but got information about how to give them more money instead. Eventually in XXXX I called and got a person. That person assured me this would be taken care of, which appears to have happened on XX/XX/22. When I check the website today, the money was better distributed, but {$1000.00} is still applied to principal and their site claims I still have {$1200.00} interest that could be paid down.
Product: Mortgage

I have a Mortgage being serviced by SPS. I have requested an extension of Mortgage Forbearance for another 3 Months, owing to hardships related to COVID and in terms of Cares Act. I have a 2nd Mortgage on the same house with XXXX XXXX XXXX. They acceded to my request and extended the Forbearance by asking 3 or 4 simple questions. Similarly on my other house too I got 3 months extension from XXXX XXXX, by just answering 3 or 4 simple questions. However SPS is denying any further extension and is asking me to submit a big Loan Modification package, quite contrary the Cares Act guidelines and the industry practices. They are threatening me with putting Late Payments on my Credit Report. Hence I somehow managed to just put an online payment, not to get hit with a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt within ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX : {$11000.00}
Product: Checking or savings account

on XX/XX/21, I opened both BB & T checking and saving account funding with my spouse 's credit card, and then after a week or so my account get closed by BB & T, I have no way to access my account at all, despite I have deposited {$25000.00} in their account. 

They didn't return any of my money at all. I tried everything I could and tried to cooperate as much as I can, I went to their branch twice as they requested, 1.5hour trip for one way, with my spouse and our 2 type of ID and credit card I used. The last time I visited the branch is XX/XX/21. And then I called more than 30 times, which costs me more than 10 hours, including their branches number, 24/7 customer services, fraudulent department, debit/credit card department, they always push me back and force.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to E-Oscar verification, and do not consent to E-Oscar being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX XXXX', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX  '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Product: Debt collection

( XXXX XXXX Ability Recovery Services , LLC is a third-party debt collection agency. Consumer should be advised that this matter has been recalled and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you. ) This was the response from Ability Recovery Services , LLC on XX/XX/year>. It has now been 31 days and I'm still unable to obtain credit due to this false debt collection. I asked for Ability Credit Services, LLC to verify the debt. They couldn't provide the information I asked for and agreed to remove the debt from my credit. Yet, it's still there.
Product: Money transfer, virtual currency, or money service

All of the details regarding this complaint are explained in the attachments. 

Please let me know if there is any additional information I can provide. 

Thank you very much for your assistance! 

XXXX XXXX
Product: Student loan

I have had a private loan with Navient since XXXX  -- it started out at {$3500.00}, and is still almost that amount due. 

Since they are being sued, they are sending my loan to XXXX, they said, which I understand is also non-compliant. 

I had several private loans with Navient over the years when I attended a XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX. The remaining loan is from XXXX from XXXX, and I have been paying ever since. 

Is there anything anybody can do to help me? 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}
Product: Debt collection

I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XX/XX/2024 ADDRESS : XXXX XXXXXXXX XXXX, XXXX, GA XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP. 


ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

15 USC 1681E ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I entered the Global Lending Services portal in order to make a payment on my car loan which was due on XXXX XXXX, 2022. I inititated a payment on my end on the XXXX day after the due date. The payment was only 29 days late. The IT system used by Global Lending Services did not allow the payment to post until the following day, XX/XX/2022. Global Lending Services reported to the credit bureaus that my account was more than 30 days past due. This is incorrect, because not only was the account paid, but it was initiated by me within the 30 day grace period given for credit bureau reporting.
Product: Debt collection

The Debt in question is from XXXX XXXX XXXX XXXX account # XXXX. This account has been removed from off both my XXXX & XXXX Credit report for several years now. The problem Im facing is Experian has continued to report this account for several years now. Even after I have proven this account was fraudulent. But now the account is still reporting even after the time frame of 7years to report a delinquent debt according to FCRA rule FCRA 623 ( a ) ( 5 ) ( A ). Im asking Experian will you please finally remove this account you dont have to ask XXXX XXXX to verify anything anymore. It is your companies duty to remove any out dated negative information off my credit report with in XXXXyears immediately thank you.