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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, XXXX  is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Debt collection

I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I received?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I provided Western Union with my credit card to make a money transfer out of country in the amount of {$870.00} USD. The money was for the purchase of one pair of women 's XXXX tennis shoes. When the merchandise did not arrive and the merchant could not be reached, I filed a claim through Western Union. They were very uncooperative and did nothing to help me recover my money.

Western Union has a history of aiding and abetting fraud and they have an active settlement with the US government, however, my incident is to recent to fall under that settlement.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED XXXX XXXX, and XXXX XXXX  : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Mortgage

XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.
Product: Credit reporting or other personal consumer reports

This company in question has consistently failed to adhere to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regulations. They did not make any effort to contact me, the consumer, regarding the alleged debt. Instead of notifying me and providing an opportunity to dispute or verify the debt, they directly reported it to the credit bureaus without my consent. This action constitutes a clear violation of my rights under both the FCRA and the FDCPA, which mandate that consumers be informed and given a chance to respond before such information is added to their credit report. There was no proper communication with the consumer before attempting to collect any alleged debt. Despite this, I have not been contacted directly regarding the debt in question, nor have you reached out to any close friends or relatives as stipulated in the FCRA handbook. This is a clear violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX  XXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Is reporting on my credit report. Im am demanding debt validation and legit investigation into this account. 

Never have I done business with this XXXX.. please provide original signed documents pertaining to debt. They are in violation of consumer law.
Product: Mortgage

I'M SORRY THIS ISN'T ABOUT A MORTGAGE. I'VE BEEN TRYING TO GO THROUGH Neighborhood Assistance Corporation of America ( AKA NACA ) SINCE EARLY 2021. I'M IN A PUBLIC HOUSING PROGRAM WITH A HOUSING VOUCHER WHICH NACA WAS WELL AWARE OF. IF I CAN NOT USE MY VOUCHER TOWARD THE PURCHASE OF A HOME, I CAN NOT AFFORD TO PURCHASE A HOME. I WAS TOLD BY NUMEROUS NACA EMPLOYEES THAT I COULD IN FACT USE MY VOUCHER WHEN IN FACT I CAN NOT AFTER ALL. I'VE PAID {$25.00} FOR THE MEMBERSHIP FEE THEY REQUESTED ALONG WITH MONEY TO PULL OUR CREDIT. NACA HASN'T DONE ANYTHING FOR US, THEY NEVER RETURN CALLS OR ANSWER EMAILS. I'VE REQUESTED A REFUND OF MONEY I'VE GIVEN THEM WHEN ALL ALONG I COULDN'T BUY A HOUSE THRU THEM AFTER ALL. THEY'RE INGORNING MY REFUND REQUEST. I JUST WANT MY REFUND OF {$56.00}. I'M ON XXXX AND LIVE ON A LOW FIXED INCOME I CAN'T AFFORD TO JUST DONATE MONEY TO BIG ORGANIZATIONS AND THAT'S WHAT THEY'RE TREATING MY MONEY AS. I WANT MY MONEY BACK BUT THEY'RE IGNORING ME.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my personal experience, where as Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

A company called Resurgent Debt Collector that I have never done business with ever. You have no right having a hold of my private information accordingly to 1974 privacy act I have a right to privacy. Please remove account immediately I owe nothing. Please provide me with a 1099c so I can report this on my taxes otherwise remove account immediately.
Product: Debt collection

Harassing phone calls, robo calls, non stop. I have no debt with this company nor have ever had any affiliation with this company. I have fraud alerts on my credit reports for identity theft. I want this company to cease all contact and delete my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with XXXX, TransUnion, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my TransUnion score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.
Product: Debt collection

I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a XXXX year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this. 

I called again after hours and the voicemail states XXXX XXXX XXXX. I called again in office hours, and again, they answered the phone XXXX XXXX XXXX. I have filed a complaint against XXXX XXXX XXXX, but it seems they are using a DBA or a false name. 

P.S. I wanted to upload the threatening voicemail but the upload function is not working. Here is the transcript : " Attention this message is intended for XXXX XXXX this call is pertain to case file number XXXX my name is XXXXXXXX with the county XXXX division call with a notification that legal documents requiring your signature if you will not be available to sign if any changes need to be made to the time day or location of service for more details please contact issuing your case. If you do not respond to this a failure to appear will be issued in your name ''
Product: Vehicle loan or lease

I came forth as the Investor in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application at FORD MOTOR CREDIT COMPANY and got Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of FORD MOTOR CREDIT COMPANY to be attached with the application that was submitted on XX/XX/year> with no response from FORD MOTOR CREDIT COMPANY or action its now XX/XX/year> which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my Experian report, I am in debt to XXXX XXXX XXXX a significant amount ( they are a collections company ), however, when I contacted XXXX XXXX XXXX, they were unable to send me verification of the debt for four months! Then sent me a letter stating that they would lower the debt by 50 % after not contacting me for four months. I then sent them a dispute letter asking for 3 documents of verification. They reported the debt to Experian and I disputed with Experian and attached the letter I sent to XXXX XXXX XXXX. After 20 days, XXXX XXXX XXXX puts that the account is mine yet sent no real proof or any of the verification I asked for. Experian is aware of this yet they say all they can do is continue to dispute it or for me to ask XXXX XXXX XXXX to remove it from my report which they refuse to do and also refuse to verify the debt. XXXX already deleted the debt so why is Experian siding with the wrongful collections company, when I as the consumer for Experian, have more proof that the debt is incorrect?
Product: Student loan

During the recent platform transition of my federal loan servicer, MOHELA, to its new studentaid.gov site, I had an autopayment made in the amount of {$180.00} that was deducted from my bank account on XX/XX/year>. Now that the transition is complete, the total loan amount does not reflect this payment as ever having been made. This amounts to theft. Additionally, MOHELA did not transition any of my statements or records and has deleted them from their old platform. They have denied me access to my own account records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX  XXXX
Product: Checking or savings account

Hello and thank you for taking the time to help me. My name is XXXX XXXX and I was a loyal Citibank customer for approximately three years. However, on XX/XX/20 all of that would change. While out dining with my XXXX on my XXXX XXXX XXXX upon completion of the meal I was informed that my card was declined. I was so shocked and embarrassed and did not understand why. I called and spoke to several representatives that asked for information on a loan that I had taken out. I have never been so humiliated in my entire life. I had to get someone to pay for our meal. The following day, I called Citibank to provide the requested information and they still had my card blocked. I submitted all of my documents repeatedly even having the branch manager submit my documents on my behalf. After many, many phone calls and visits to the Citibank branch, I was informed that my account was closed. Closed? I could not understand why/? I could also not understand why I was told this 2 months later! I was told that I would receive the balance on my checking and savings account in the form of a cashiers check. Well, here it is..XX/XX/20 yes XXXX XXXX and I STILL have yet to receive my funds, tears are streaming down my face as I write this. I have even wrote the corporate office and have yet to receive ANYTHING! i am praying that you are able to help me. I am so angry, hurt and upset. What a XXXX XXXX XXXX XXXX bank. I have not had ANY access to my checking or savings accounts in over 3 months! Can you imagine how difficult of a time that I have been having because of this? Im so devastated. Please help me, Thank you for your time Checking Account # XXXX {$22000.00} Savings Account # XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

While disputing a multitude of inaccuracies within my credit report, I requested to have a freeze placed on my account with Experian on XX/XX/year>. I just received a letter dated XX/XX/year> notifying me that the freeze I placed on my account has been lifted. I did NOT authorize this freeze to be lifted. I have attempted to contact Experian directly via phone as instructed, but I am constantly sent to a recording that lets me know it can not help me and ends the call. I have tried forcing it to send me to a representative, but it lets me know that only under certain conditions will it allow me to talk to a representative and so far, it has not allowed me to do so. I suspect fraudulent activity on my credit report and I have already entered information to be disputed, but I want the freeze to remain in effect until this matter is cleared.
Product: Credit reporting

I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX
Product: Debt collection

Pursuant to CFPB complaint XXXX I requested for a debt collection company to cease and desist. I refused to pay the alleged debt they claim I owe. A debt validation letter given to them, and they failed to validate the alleged debt with actual proof that I, XXXX XXXX, owe the alleged debt. The debt collection company SOURCE RECEIVABLES failed to acknowledge my request for them to cease desist all communication and collection activity. The debt collection company is in direct violation of the Fair Debt Collection Practices Act pursuant 15 USC 1692c ( c ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
The debt collection agency also failed to notify the consumer reporting agencies that the tradeline in question has been disputed. This is a direct violation of 15 USC 1692g ( b ). SOURCE RECEIVABLES is in direct violation of 15 USC 1681s-2 for actual knowledge of errors and 15 USC 1692e ( 10 ) as this behavior is deceptive way to collect.
Product: Student loan

I requested an application from XXXX several months ago, before the transfer to MOHELA. Now the transfer has occurred so I requested the same application from MOHELA. They replied by email that it would be sent but I'm still waiting. Since the student loan was made to the XXXX XXXXXXXX XXXX XXXXXXXX, I believe that it qualifies for forgiveness since it was made fraudulently. The Department of Education found that the XXXX XXXX made pervasive and substantial misrepresentations to prospective students about postgraduation employment rates, salaries, and career services, which is absolutely true. I hope you can compel MOHELA to do the right thing.