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

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further 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 to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.
Product: Credit card

I have made several attempts to pay off my account with them and close my account and they keep telling me " unable to process payment ''. They don't give me a reason even though I have the money in my checking account since XX/XX/scrub>XX/XX/2024. I have made my payments with their agent by phone and received a confirmation number, but my bank says there has been no attempt to withdraw payment from my account. They have added extra numbers to my checking account and then tell me my account is past due and try to charge me late fees, according to their online site. I don't get any real answers and they just don't care. They are a TERRIBLE credit card company and I believe they are trying to scam me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX J J Marshall & Associates has violated my Federally Protected rights under the Fair Debt Collection Practice Act by pursuing litigation against me in state court the case is # XXXX without me contracting to be sued upon violating 15 U.S.C.1692i ( 1 ) ( 2 ) ( a ). XXXX never properly served me, I never received an summons to have any idea about an court date. I never received correspondence about the debt to have the opportunity to dispute the alleged debt as that is my right under the FDCPA. XXXX then put a judgement against me without any knowledge of the court hearing also violating the FDCPA. I recently reached out to XXXX to get information on my account and was told by a representative they sent me XXXX correspondence in XX/XX/XXXX and XX/XX/XXXX before sending my information to XXXX XXXX XXXX, but the address they listed was not my address and the representative could not tell me when it was received because, she said it was not sent with an tracking number. I was also told XXXX charged me a collection fee which is also a violation of my rights. I told the representative to notate the account to Cease Communication from me from all mediums and to date, XXXX is still collecting on an alleged debt. Remove the judgement and return the money that was took from my wages or I will pursue litigation for the damages that I suffered from your reckless and deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX/DOFED XXXX Balance Owed : {$1400.00} ; XXXX/DOFED XXXX Balance Owed : {$640.00} ; XXXX/DOFED XXXX Balance Owed : {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Fifth Third has been horrible from the beginning, but I have paid on time and until I lost my job in XXXX paid over the amount. I made them aware when I lost my job XXXX and we spoke of payment ( deferral for 3 months ) arrangement then, but I said I would do what I can for as long as I can and I did. 
I still managed to make my payment in XXXX and XXXX, but came to the end of what I can do come XXXX. I started attempting to reach out to them XXXX, before my due date of XXXX, but was not able to get through for over a week. 
So when I did finally get a hold of them ( first time speaking of the issues was XXXX ( I believe, but can not be sure ) they wanted more money to honor the agreement we made in XXXX. They supposedly base the amount they need to do deferrals based on how much I paid for my last three payments... however that was not true they base it on the last ninety days and since I paid on or before my due date previously they only considered two payments. Fine, stupid and illegal?, but I followed as directed Issue are : 1. Statements change - amount due changes 2. They are impossible to get a hold of - phone numbers do not work ( takes me usually 5 or so tries to not get hung up on... they hang up as soon as I enter my information, so to get through I do not enter it ) & online I can not log into for over a month with no resolution. 
3. Their reps are not very fluent in English... so there is language barriers that cause issue in my account. They also get rude when I ask for someone in the states, since their call center is not and I need someone that speaks/understand English to communicate effectively. 
4. They do not honor a payment agreement- for example I made an arrangement to pay {$280.00} to get a deferral for 3 months ( XXXX, XXXX and XX/XX/2022 ) so long as I paid it by XXXX, I paid it XXXX and they still do not have the deferment in place as promised. 
5. They have no clue about consumer service. - So today I have now been on hold, only speaking with someone for 5 minutes, with them for over 2 hrs trying to resolve. Think they think I will just hang up. They have played this game before... I have been on hold for over 2 hrs and have hung up in the past because my life does not resolve around them and I can not keep my phone tied up. Think they do this because they are shady and trying to set me up as if I am not honoring my part of the agreement.

I have read reviews on this group, so I know they have done this to lots of consumers. I will be moving this loan away from them ASAP once I am back to work, but in the meantime I am stuck with them : ( Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was sent an initial letter of a problem on my credit report. They have been sent up 4 letters after they claimed to do an investigation and stated information was verified. They have been sent several letters asking for documentation. They only thing sent back is they have verified the information. After filing a complaint with CFPB they responded stating I would receive information only to be sent a letter stating they they were unable to honor my request based on the information sent. It was the same information that was sent when they stated they verified the information ; a copy of my utility bill, a copy of my social security number and a notarized letter stating my rights as a consumer, what I wanted from them and how I would like the issue rectified. Again ; Experian has not complied with federal law.
Product: Credit card or prepaid card

Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account. 
On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I  attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.
Product: Mortgage

Suntrust sent me an email on XX/XX/19 recommending ways to mitigate loss. I replied to them multiple times via a phone call to XXXX XXXX, emails to him between twice between XX/XX/XXXX-XX/XX/19. 

I accepted the offer to file a collated mortgage assistance application. 

XXXX and nobody in SunTrust has replied with the application documents, any ways to download the documents, no documents via email or anything. 

SunTrust is trying to take my poetry and assist selling it to some white folks for gentrification. 

I can't get no replies from them. Help me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were opened fraudulently at XXXX XXXX XXXX XXXXXX/XX/year> under account numbers XXXX and XXXX. 

In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report. 

I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " POLICY '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration.
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 XXXXdays. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries 1 of 2 please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit card or prepaid card

I used to have auto payment on my Target red card but after losing my job because my XXXX have tried repeatedly to STOP the auto payments. I have emailed, messaged them, written a letter and the last TWO months called them and demanded they STOP attempting to debit my checking account. They are causing MANY, MANY overdraft and return check fees. Last call, I recorded it and advised them I was doing so, they are STILL trying to debit my checking account for payments. I also told them I was in the process of filing bankruptcy and they had NO right to continue trying to charge me and not give me the option of stopping payments online ( because I can't it always tells me a payment is in process even though they have NO authorization to continued to do so. I want ALL debit fees/overdrafts and fees on their end reimbursed to me NOW!!! They are STEALING from me.
Product: Debt collection

I have no knowledge of this account, I saw it on my credit report and do not know what it is or where was this done. XXXX XXXX, XXXX, Original Creditor- XXXX XXXX XXXX . Opened XX/XX/2014 in the balance of {$7800.00}. XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX. This negative information is drastically hindering my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently discovered that multiple unauthorized accounts were opened in my name and numerous credit inquiries were made on my report without my knowledge or consent, indicating I have been a victim of identity theft. These fraudulent accounts include XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX 's, XXXX XXXX XXXX, XXXX XXXX and more. Additionally, unauthorized inquiries were made by companies like XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and others, which I did not approve. 

To address this, I have filed an identity theft report with the FTC, submitted a police report, and disputed these fraudulent activities with the credit bureaus and creditors involved. Despite these actions, the fraudulent accounts and inquiries remain on my credit report, causing significant damage to my credit standing. I am requesting a thorough investigation and removal of all fraudulent items from my credit report to resolve this matter.
Product: Credit card or prepaid card

I have contacted Continental Finance/XXXXXXXX XXXX XXXX XXXX several time to try and settle my debt with them but they will not respond to any of the letters that I have sent to them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes. Despite using Zelle numerous of times and report discrepancies, Zelle and my financial institution failed to investigate my claims adequately. They informed me that lost funds are easily recoverable and unable to be tracked.
Product: Checking or savings account

I disputed {$150.00} charge and it was completed at first but then Bank of America charged me for it despite the vender not responding and messages stating it was resolved initially.
Product: Checking or savings account

What is happening that a family member got all my information from my house and from my XXXX XXXX years ago she opened accounts on different branches that's the way she link to my account I reported to the police more the once but still not solve the problem she make transaction and withdrawals in my account even if I move to another bank she will do the same thing over and over I'm tired of this situation at first I talked to her about it and she totally denied and continues doing it.
Product: Debt collection

I asked for contract with my signature, payment history, and proof of debt assignment and they sent nothing for years this has been going on. I believe it has also been more than 7 years of false reporting. I told them long ago that I was the victim of identity theft and sent police report of stolen purse, and I sent them certified mail to show I had XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights. 



Details of the Fraudulent Account : Account Name XXXX XXXX XXXX XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created witho
ut my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX. 
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!
Product: Mortgage

My wife and I ( account holders ) set up an escrow account and automatic payments with GMFS in XXXX of XXXX at the closing of the refinancing of our mortgage. That escrow account was pre-funded during mortgage closing. In XX/XX/XXXX, we received a letter from the Sheriffs office stating that our property taxes were not paid by our escrow company. After numerous phone calls by my wife, the taxes were finally paid - and those taxes are now considered late. 

Today, XX/XX/XXXX, we notice that our mortgage is no longer being withdrawn from our bank account per the agreement for auto payment. We have now been falsely told that the payments were canceled by myself ( husband ) - first told that i called to cancel them, then told that it was via online web portal when confronted. I have never registered for online access to GMFS, nor have I ever called to access the account or made changes online. This statement is verified by the fact that GMFS does not have any record of either of my email addresses or my mobile number - as confirmed by GMFS 's online registration system. 

When confronted with the information that someone has fraudulently accessed my account, GMFS showed no interest in any remedy for fraud, and instead told us we had to pay double payments to our mortgage to set up a draft again. It is unacceptable that GMFS refuses to : Acknowledge that an error occurred on their part. 
Acknowledge that the error may create secondary consequences which require remedy. 
Acknowledge that an internal security issue exists and required immediate attention. 
Allow for reinstitution of a bi-weekly draft for account payment without requirement of a double payment due to a GMFS error.