23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my grave concerns and to file a formal complaint against XXXX XXXX, their legal representation, Zwicker & Associates, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with XXXX XXXX of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of XXXX XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to Zwicker & Associates, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when Zwicker & Associates took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and Zwicker & Associates ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.
Product: Student loan

My loans were in default status and a year ago I entered a rehabilitation program with Navient, the gal assured me that after paying the minimum payment I was making my loans would go into good standing and I would enter a new repayment plan also within 3 months of completing the rehabilitation program this information would be relayed to the credit bureaus and my credit would reflect the loans as being in a positive status/ favorable status. However, apparently XXXX of the loans were kept out of the rehabilitation program because Navient claims there was a payment made on these loans which kept them separate. I was never informed of this until my rehabilitation program ended and I am still in default status! I have accrued XXXX in interest. I am a XXXX & have been for 12 years now, XXXX. I have been released at the end of the contract due to lack of funding for education 6 years out of that 12 and laid off twice, I had to claim bankruptcy just to be able to hang on to my house for myself & my son. I feel Navient misrepresented themselves by making me believe this rehabilitation program would be a means for me to finally be in good standing.
Product: Credit reporting or other personal consumer reports

Equifax is reporting my credit score as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, Equifax should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my Equifax report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and XXXX has all of my demographic information and my debts completely wrong?
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 ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX : {$8600.00} XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. Equifax Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please move this off my report thanks.
Product: Checking or savings account

I did a transfer XXXX on XXXX XXXX from nothlane work salary card to my account in XXXX XXXX XXXX however until today there is no money on my XXXX account. 
And also on XXXX I did a transaction of XXXX on the same account however I put credit card number instead of account number. And the same happened I transferred XXXX from another pay Salary account. I was told by my Finance officer that the money was to be reimbursed after he placed in a complain but until today still no money has been returned on both accounts. Please what should I do for these both matters
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. 
XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. My vehicle loan was through XXXX XXXX, my car was sold at auction and the Proceeds from the sale were used to pay off the remainder of the loan. A few months after I receive a letter saying I owe XXXX XXXX {$29000.00}. I called XXXX XXXX & they said they went ahead and placed Forced insurance on my loan. They said they added XXXX a year for 3 years, which is about how long I had the car. This is the most fraudulent thing I have ever seen. My car was garaged and I was traveling if there was ever a gap in my insurance & to destroy peoples LIVES by putting this on their credit. My credit has a XXXX derogatory remark because of this fraudulent behavior. How do you expect anyone to afford such an outrageous policy regardless of what kind of car it is. If XXXX XXXX does not remove this from my credit I will file suit. I will not stand by and allow this kind of behavior. How could you do this to people? How do you sleep at night, tacking on tens of thousands of dollars to people 's loans that trusted you for their financing. You are fraudulent & I will be sure to involve social media if needed. Do not send me a long response trying to explain why you did what you did, it is so fraudulent I'm sure a judge will see it that way as well. Please remove from my credit immediately
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently submitted a dispute with CFPB for Equifax, for a dispute into my credit reporting. As stated before in my previous dispute, I had paid off my XXXX XXXX account, ending on XXXX. The account was previously charged off.profit and loss. I contacted XXXX XXXX, and was offered a settlement amount, but I declined the settlement amount, but I waned to PAY IN FULL and have the account DELETED from my report, as I am trying to purchase a home. My account manager at XXXX informed me that once the account has been paid in full, that I can contact there credit dispute department to have it removed. I have been given the run arounds at trying to get this account removed from my report, even after I have paid it Full, as of XX/XX/XXXX. As I did investigation, I see that I should have got the pay to delete in writing, but it was verbal over the phone. As for the previous dispute with equifax, that simple responded as said that all my personal information as been verified. I was not disputing my personal information. I was disputing the XXXX XXXX item not been REMOVED from my credit report. The status that was updated is " PAID COLLECTIONS '' that was not what I agreed to when I made the arrangement to pay in FULL,. I verbally agreed to have the item removed. Can an investigation been looked into to having this item removed from my report permanently., as I have fulfilled my agreement with XXXX and has PAID this debt in Full.
Product: Checking or savings account

I noticed my payroll deposit had been delayed since XX/XX/29. Since Friday, XX/XX/XXXX, I have been in contact with multiple Wells Fargo representatives, including both the XXXX XXXX customer service line and in-person staff, regarding the hold placed on my account. My account was locked without a clear explanation or prior notification. I was informed that my account would remain locked until I provided proof of citizenship. I provided my passport, driver 's license, and other requested forms on Friday, XX/XX/XXXX. Due to the lack of transparency and the financial impact this situation has had on me, I am requesting the CFPB 's assistance. Thank you for your time and help. Please feel free to contact me at XXXX or at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/XXXX  '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 . 
I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA.

In addition to this complaint my family is dramatically affected. This issue causing me mental anguish and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.
Product: Mortgage

My mortgage servicer Mr cooperXXXX isn't recognizing my account as paid in full. 

On/around XXXX I paid my full mortgage payment. As of XXXX I contacted Mr cooperXXXX as my online account showed a significant balance and I was receiving automated voice mails I was promised by XXXX at the Texas location via online chat there was an error on Mr cooperXXXX and the issue would be resolved within 3 business days.

The statement I am attaching clearly shows my balance was paid in full and I believe this company is trying to " pull a fast one on me '' and potentially others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to XXXX XXXX, XXXX, and Experian all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days XXXX  IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries Experian is Reporting fraudulent accounts XXXX And open loans
Product: Checking or savings account

I make de posit on my. Citibank accounts but. They never. Let me. Use the. Money. They close my. A counts. But my account has money 's what i need. To use to pay my bills and use to do my work. And. They. Dont want transfer to my bank account. They hold my money one of the bank account has. {$75000.00}
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. 
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. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. And, Inquiry from XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : ACCT # XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " Experian '' as well as XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Additionally, there is two inquires that I do not know and did not authorize ( please remove ) : XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX Lastly, These address are NOT mine please remove ASAP XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Item Reasons Additional Comments XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my bills, and other credit reporting accurately reflect, but Equifax is very subjective and does not explain why they keep hitting my account frequently. They are arbitrary and unfair and grading people. This is from a company that has been very loose with people stated that didnt even give them authority to keep data on them. They have my Social Security number, and I never give them authorization to have it. This company XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.
Product: Checking or savings account

Citizens Bank XXXX XXXX XXXX Citizensbank.com Claim number XXXX There Was an Unauthorized Transactions from the savings account for XXXX XXXX XXXX XXXX XXXX an the Checking. One of the dates is XX/XX/2023 for XXXX from the checking. We was informed by several spokesperson at the call center labeled representatives who title by the first name bases of XXXX XXXX XXXX XXXX they all stated that the account would be credited but never was. 

Only to find out later from calling and speaking to XXXX who was rude an unable to locate my account claim for most of the call witch was per 30 minutes before transferring me to a supervisor per request only to find out I was misinformed for days an days by multiple staff an spokesperson/representatives. This offense happened back in XXXX an still being handled with low regards. There should be a serious look taken as to why the delay an why the lies an games. I wan na contact the attorney general. Why the delays? This matter should be expedited Here at XXXX XXXX XXXX XXXX XXXX were in total lost at this point an time cant be replaced this is suffering us a great deal. Please be advised, this bank is in violation. We need urgent assistance