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

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry on my TransUnion account appeared at XXXX on XX/XX/2022 from XXXX ( XXXX  ). I contacted TransUnion and was told to notify the FTC and the organization that made the inquiry. I have notified the organization ( XXXX ) that this activity was fraudulent and was neither performed by or authorized by me. I did not apply for a XXXX XXXX. The company stated it can not cancel the application as it is pending. I have also requested confirmation that this will be removed from my credit report as it is fraudulent for which they do not seem to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I've reached out to Comenity bank on several occasions in reference to closing my account. My list payment was made almost 6 months ago, but it is still appearing on my account. I've called, and sent messages in their online portal. They've been promising to correct it each time, but is still present on my credit report
Product: Checking or savings account

On XX/XX/year>, I had noticed some unusual activity on my just recently opened bank account with Wells Fargo. By this time my account as well as one of my family members accounts were drained until overdrawn. There was over {$6000.00} of unauthorized transactions held on my account. The transactions were made on a family members XXXX XXXX XXXX Account, whose information also was stolen and was used fraudulently to place bets. Immediately my first response was to report it to My bank. So I went ahead and reported over 30 unauthorized transactions that amounted to over {$6000.00}. After waiting a grueling 10 days of what Wells Fargo claims to be a thorough investigation, I finally received an update on the disputes only to find out that Wells Fargo claimed they couldnt find any errors and are unable to return the stolen funds. Over This short period of time I was unable to pay my rent, that i was past due, which resulted in me and my family and i being evicted from our apartment. This event has also made me unable to pay my phone bill, disconnecting my service. I also own and operate a family business that currently has our customers remodeling projects in a postponed period, due to the funds from my bank account being stolen and unrecovered. As you can see this matter Has not only affected me, but my clients as well. During this time Wells Fargo has aware of all of the inconveniences that I have been caused because of their negligence to secure my account. Ive Demanded the return of my money from both the merchant that accepted these transactions as well as my bank who permitted them. I have yet to receive any kind response from XXXX XXXX XXXX XXXX concerning the dispute, after multiple attempts that include emails and phone calls. Also after speaking with Wells Fargo over the phone and having them tell me they were unable to find any errors. I tried to log into my bank account and oddly enough, my Face ID, and login credentials did not allow me access to my account. I called Wells Fargo right after this and they told me the only way I can verify my identity is with a one time passcode from my phone number. They told me this after notifying them that my phone number was disconnected and them already have verifyed my identity on multiple occasions via email one time passcode throughout the past week that the investigation took place. Furthering my inconvenience in this matter. 
Im not sure of what other steps I need To take. But Wells Fargo XXXX XXXX XXXX XXXX XXXX has had me homeless phoneless and out of money for over a week.
Product: Mortgage

XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.
Product: Student loan

I want to ask aidvantage why ALL my student loans were not transferred from XXXX. There is around XXXX still attached to XXXX. I can't get a hold of advantage and why it seems impossible to log in. Are we returning to the days when we have a completely incompetent loan servicer? Everyone knows that the student loans are a complete and total mess so why isn't anyone fixing it? Get rid of thousands in student loans for people that work in normal everyday jobs that will never be able to pay them back. The system is broken- fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair the accounts below otherwise remove them from my file : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I discovered that the lender added approximately {$1800.00} in unstated, unauthorized, and unwarranted, legal fees after I took out a loan with them. I contacted the lender and asked them to remove the fees.

I informed them that there wasn't any mention of said fees in my loan agreement. The lender could not identify any clause in the contract that outlined any such fees, and they refuse to remove them still. This is a violation of fiduciary duty, fraud, and predatory lending.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

The original debt is with XXXX XXXX, the collector is Midland Credit Management. I told them I would not give out my banking information over the phone and they stated XXXX XXXX had given them my bank account information without my consent and all I had to do was say yes and they would draft my account. If this is not illegal it should be. No company should have my bank account information without my consent.
Product: Debt collection

I was personally victimized by Attorney XXXX XXXX XXXX XXXX, belittling tactics with regards to a XXXX XXXX dues debt collection. 

XXXX XXXX Law Firm, Lowther Johnson, in XXXX, MO represents my XXXX. I called XXXX XXXX firm to request a reduction in interest fees because the bills and communications were being sent to my ex-husbands address. They were not being provided to me. 

During a six minute phone conversation, it was clear he was unwilling to compromise and he began issuing insults about my ability to process information. 

The XXXX debt was paid in full on XXXX ( received a receipt from the firm ). XXXX XXXX refused to deposit the check for weeks. 

Instead of dismissing charges for the debt payment made in full. In retaliation for the the conversation, he added charges for IT support of {$300.00} to block me from his server after sending three emails in response to his three emails ( if they are charging me fees how am I supposed to communicate with them about XXXX fees ) and charges for his legal services ( although the XXXX pays for his services ). 

XXXX XXXX utilized sexist and abusive tactics towards me and other women in the community. Using statements like tell your Wife to shut up and listen here little missy, I dont care what you think you know.
Product: Vehicle loan or lease

On Tuesday, XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Indiana inquiring about a XXXX XXXX XXXX. I was told I could be given financing options without affect to my credit score, hereinafter referred to as a credit soft-pull. I agreed to this credit soft-pull to mull my options only to find on the XXXX of that month that a hard pull on my credit had had been initiated by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Acceptance Corporation in XXXX, Michigan. The company, XXXX XXXX XXXX XXXX XXXX, through a representative, XXXX XXXX, and I exchanged messages as it tried to secure the sale on the XXXX. I made note of the hard-pull mistake and declined to do business with them in those messages. No effort has been made on their part to rectify this mistake.
Product: Credit reporting or other personal consumer reports

All the items were returned after asking 4 months they finally sent a shipping label yet the service was discontinued and they kept right on billing me I call numerous times with this complaint but they stop replying then put it on my credit report and I called them yesterday but we're told they are in XXXX and only two people are working so i ask to speak to an XXXX customer service agent and they left me on hold and after XXXX min another rep from XXXX got on the phone and said the same thing.these people are scam artists
Product: Mortgage

Property is in foreclosure Case-No XXXX, Judgment sale date is set for XXXX/XXXX/2015. 
Via our lawyer we work on a Loan Modification. Application was submitted more than 37 days before the sale date. Servicer is SPS, Neither Bank nor Servicer stopped the sale before a MOTION FOR ENTRY OF ORDER CANCELLING AND RESCHEDULINGSALE SCHEDULED FOR XXXX XXXX, 2015 was filed by Plaintiff on XXXX XXXX, 2015. 
The Motion was denied by XXXX XXXX XXXX, 2015, we received this info on XXXX XXXX by mail. 
It appears to us that the neither the judge nor Servicer, Bank XXXX as Trustee nor aware of XXXX XXXX XXXX ( g ) or the whole XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They are reporting 6 merchants credit accounts in collections, these medical collection accounts have been removed from XXXX and equifax because they were unverifiable but some how equifax was able to verify them, how? They are reporting incorrect information and they refuse to remove it. This is now my third time disputing it.
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my Complaints # XXXX, XXXX, XXXX have been closed last XX/XX/XXXX. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX- XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy US BKPT CT MO XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Vehicle loan or lease

Global Lending Services is accusing of me being in default on my car loan. I have not missed a payment this year. During XXXX, I asked Global Lending Services to work with me for a payment reduction and for an interest rate reduction but they refused because they said I signed a contract for the current interest rate. 

I have tried to get another loan but because of the interest rate the vehicle is upside down. They have harassed me for late fees. My due date is on the XXXX of every month and I have made my payments. They do not respond to my request or concerns. I also asked them for time for me to research my payments from the bank. They are threatening me that the last day for me to pay the past due amount of {$1900.00} is on XX/XX/XXXX. I have been sick and unable to respond to a letter that I received a couple of days ago dated XX/XX/XXXX. I visited my bank a week ago and asked for payment verifications. I am continuing to reconcile payments since XXXX and it is taking me longer than expected. 

When I purchased the vehicle the dealership informed me that I would be able to refinance the loan but Global Lending Service has denied that was ever an option once the contract was signed. 

Since my experience, I have researched and reviewed comments online about GLS. XXXX  : XXXX. 

This is very upsetting. 

Were my payments processed and not applied to my account? Were my payments lost? There is a refusal to acknowledge that the payments have come in on time. 

https : XXXX I have made all of my payments on their website this year and have not missed a payment. I don't know what the problem is. GLS is threatening to charge me for the value of the vehicle due to the high interest rate of the loan. How many consumers GLS done this to?

This is not fair to me and is a violation of my consumer rights. I purchased this vehicle in XXXX and have been in communication with GLS almost everyday because they call me everyday. 

Why they are harassing and threatening me is a violation of my civil rights ; has caused me undue stress and harm. Is this a common practice with GLS?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 


1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This letter is in response to all letters, emails, phone calls, or any other mediums of communication where I've received notices from your organization. By the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from your organization regarding the debt you are attempting to collect. In response to this " Cease Communication '' letter, and by the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. By 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, violates the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also violate federal law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with a return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
Sincere, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.