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

I have had my credit report used for promotional purposes by a person or institution whom did not have my permission to use my consumer report/credit report. As a result, there has been hard inquires added to my credit report without my authorization. These reported hard inquires do not belong to me and i have no association with these banks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} OAG CHILD SU XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$4600.00}
Product: Debt collection

Contacted by XXXX XXXX XXXX initially stating that I owed {$2000.00} for a previous payday loan. Had only the last XXXX digits of my social, and my father 's name. Had a very old address. Stated that a complaint had been filed against me for non-payment of a debt. Could not tell me what company initially provided loan, or any other information, only that there was pending legal action and I would be served if I could n't get payment to them today. I gave them a bank card, which i promptly cancelled after calling the company they said they represented ( XXXX gave me all the information that I needed stating no debt was owed to them by myself, and the XXXX company, which lists a residential address and has all phone numbers associated with it disconnected. XXXX XXXX XXXX ). They promised a letter via e-mail which I never received, showing company information and debt and who the original debt was through. 
They called again this morning XXXX and harassed me again this morning, stating that the payment I set up ( wrong bank account information, etc ) did not go through ( old information again, bank account that I closed in XXXX ), and that they would sue me if they did n't receive a call from myself or my attorney by XXXX EST. They were rude and talked over me when I stated that I had filed a complaint and could find no shred of evidence that they were a legitament company. I hung up. They left a threatening voicemail which I saved on my phone.
Product: Debt collection

Cordoza and wexler services comstantly call me about a civil lawsuit for money owed on a debt. I do not have any passed due bills or accounts. I do not know how they got personal information about me. They keep calling me asking me to confirm information. I refuse to do so because they appear to be a shady company that tries to manipulate people into paying money that person does not owe. They left messages over the phone claiming i can pay them directly. One person even called me a liar repeatedly when i told him that he was a scam artist and that i am not the person he was looking for. His name was XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character.
See Attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Experian charged my credit card {$27.00}. I never had any contact with Experian, never purchased anything, and most importantly I NEVER PROVIDED EXPERIAN WITH MY CREDIT CARD NUMBER. 

Experian illegally obtained my credit card number and illegally charged my credit card! 
I attempted to contact Experian several times and was on hold for over 1 hour and 45 minutes before being disconnected.
I was forced to contact the credit card company to have them cancel my card as it was compromised by Experian.
Product: Money transfers

OK hope this works this time. Been looking for a puppy XXXX for 2 years. Fri came across XXXX We converse and emailed for 2 days before we made our decision. Sun we agreed to pay the XXXX. In the initial email it takes all we have to pay is the XXXX to get the puppy with akc papers bc the company has coupons for free shipping for the puppies for Mon Wed and fri. Sun evening I moneygramed XXXX to XXXX. Mon morning I got email saying thankyou for choosing them and that they were doing the paper work on the puppy and they will take him to XXXX pet movers by Wednesday. Wednesday morning come and I get a email from pet movers which is saying that I have to pay XXXX for insurance on the dog. I told them I ca n't afford that. I emailed XXXX and told them what XXXX said and that I ca n't afford that and that was n't in the email or the website. Get email back from XXXX saying they are trying to work the money situation. I replied no I just want a refund. Never heard nothing else. Thursday morning I repeatedly called and emailed XXXX. They blocked my calls and my daughter calls. I call private and finally got an answer after about ten tries. The people saying I can get my money back on ten days. They had me on speakerphone. The playing rap music in the back loud as XXXX laughing talking mocking me etc .... Needless to say I 'm out XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX OpenedXX/XX/XXXXBalance {$400.00} ; Incorrect Addresse ; XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX.
Product: Mortgage

We have TWO loans with PennyMac and there seems to be some confusion on their servicing platform for some reason in properly servicing both loans. 

The loan that I am having issues with is loan # XXXX - Property located at XXXX XXXX XXXX XXXX in XXXX, CA. 

In XXXX 2022, I set this loan and our primary home ( Loan # XXXX ) as well as the problem loan in question Loan # XXXX. The auto pay was properly processed for loan # ending in XXXX but was not processed for loan # ending in XXXX. I noticed the issue and called PennyMac and made a double payment on XX/XX/XXXXXXXX 2022 for the XX/XX/XXXX payment as well as the XX/XX/XXXX payment. I told the representative that I set both of these loans on autopay and she reassured me that she has resolved the issue and that in XXXX, my next payment for loan # XXXX would be drafted automatically from the bank. 

Needless to say, they never processed the XX/XX/XXXX payment properly. They did make XXXX attempts to debit my XXXX Checking account ( XXXX ) on XX/XX/XXXX. I had over {$130000.00} in my account and they did not properly process the mortgage payment in the amount of {$4000.00}. 

Unfortunatly, this time I caught there error in mid XXXX and called and made ANOTHER double payment as I did back on XX/XX/XXXX 2022 for the XXXX and XX/XX/XXXX2022 payments for loan # XXXX. They reassured me that they would not report me late and there would be no negative credit reporting regarding this issue. In fact, the late payment fees were even waived. 

I am currently trying to purchase a home and they are reporting me late on my credit report and my XXXX has dropped. 

They have been very cryptic, but they leep on citing the issue being the mix up with the other loan I have. Earlier this summer, they failed to pay my homeowners insurance renewals and they kept on saying that they got it mixed up with the loan on my primary residence. I have an impound account BUT I had to come out of pocket and pay my insurance myself when they were supposed to have done so themselves. They seem to be citing the same mix up on the auto pay. 

I finally got the case escalatted to a person named XXXX XXXX and she called me on Monday XX/XX/XXXX and said that she was correcting the late payment but then i discovered that she was still referencing the wrong loan number again. 

I am attaching the mortgage statements to document the payment history as well as my XXXX checking account statement to show that PennyMac attempted to debit the XX/XX/XXXX payment on XX/XX/XXXX from my checking account but in the amount of {$0.00}. 
I am also providing you witha copy of my credit report.
Product: Debt collection

A letter was sent to IQ DATA INTERNATIONAL for account XXXX as a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that IQ DATA INTERNATIONAL is now in violation of. I have enclosed the letter sent out on XX/XX/2020 that has a delivery date of XX/XX/2020. IQ DATA INTERNATIONAL has not responded but has continued to add a monthly increase of the debt on  my credit file which Is another act of false reporting. All attempts to request Verification and Validation have either been denied or ignored and it is hurting my credit score currently to the point where any score improvements are immediately reversed. The debt is for {$1300.00} and I know for certain I do not owe this to anyone. Please assist as we are far beyond a 30 day response period and they still have yet to reply.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental XXXX XXXX XXXXXXXX XXXX XXXX XXXX to the point I had to have XXXX XXXXXXXX XXXXXXXX XXXX XXXX several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit card

I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, provided Total Credit proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank manager confirming same. Letter and supporting documents were sent certified mail.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts on my credit report and i did not give consent this is identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX tx XXXX is NOT my address and NEVER has been my address. This is NOT EVEN A REAL ADDRESS IN XXXX. I have done research on this address to try and find who lives here and there is no such address. The XXXX  XXXX XXXX accounts reporting and linked to this address are also NOT MY ACCOUNTS.
Product: Credit reporting or other personal consumer reports

There is a collection account, XXXX XXXX listed as the creditor, on my Credit Report I contacted XXXX on or around XX/XX/2023 regarding this balance when I began receiving notices via text messages ; the agent advised my account is in good standing and I have no outstanding balance. Additionally, I encouraged her to validate with her supervisor to confirm, which she did and subsequently advised this billing should not be sent to me. When I began to receive collection notices I disputed with the collection agency and I also disputed the matter with the CFPB ( Consumer Financial Protection Bureau ) # XXXX in late XX/XX/2023. CFPB investigated and subsequently advised the debt request has been recalled from the Creditor. All collection attempts ceased at that point. However, now there is a {$77.00} collection notice appearing on all XXXX  of my credit reports. I've disputed this as a collection not belonging to me, however Experian advised to raise to CFPB as they have rejected my dispute XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under -CMRE-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call XXXX XXXX XX/XX/2022, XXXX pm. 
Call XXXX Time : XX/XX/2022, XXXX pm Call XXXX Time : XX/XX/2022, XXXX pm There we at least XXXX additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Product: Credit reporting or other personal consumer reports

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the Early Warning Services to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX : Account # XXXX.
Product: Mortgage

Mrs. XXXX XXXX, License MLO # XXXX from XXXX XXXX  was the Mortgage Loan Originator for the purchase of my home on XX/XX/2014. 

I didn't have previous experience in the purchase of a home and I entrusted Mrs. XXXX to handle all the documentation for the transaction. 

In her eagerness to close the loan and benefit herself with the commission, Mrs. XXXX offered me the First Time Home Buyer Assistance Program from the Florida Bond. She stated that the could " give '' me {$10000.00} towards down payment and closing costs and that, if I lived the home for 5 years, that debt would be pardoned/waived. 

Of course, it sounded great to me since I am a single mom, going through a separation and a rough financial time, so I took the course, got my certificate and received the assistance. 

5 years will be on XXXX, and I am in the urgent need of buying a second home for my relatives using the equity on my home, so I started contacting the bank who owns my loan now and asking about those $ XXXX, they said that the information received from the Loan Originator, Mrs. XXXX at the time is inaccurate and not true. they said that it was processed as a second mortgage and it would have to be repaid not matter what is done with the property, sale or refinance. 

When I received this information from the bank, I immediately contacted Mrs. XXXX to ask her about this and she admitted that she didn't looked for the accurate information and just told me what she thought it was. 

With this circumstance, I am not able to purchase another property for my family as I so much need since I am XXXX short to be able to buy them a decent home. 

I hold Mrs. XXXX accountable for her mistake of providing me with deceitful and misleading information to use for her convenience, close the loan so she could profit from it. 

I feel that Mrs. XXXX took advantage of my inexperience & circumstances at the time and abused my trust in her to profit herself from it, leaving me with an unexpected and obviously unwanted debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account over a year ago and this was not investigated throughly. I was not late in this account and I paid this as agreed and this was never updated