23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have attempted to reach AES regarding loan name change. I feel like I'm being forced to submit documents of an updated name changes as if I had legally changed my name in the past. AES continues to request for me to provide my social security, Driver Licenses or etc. I am refusing to do so because that it's an admission that at some point I did go by that name XXXX or XXXX . I have not. I feel as though my rights continue to be violated because they accepted a predatory loan from XXXX XXXX. AES has yet to provide me any documentation where I provided XXXX XXXX with a legal name change. The only documentation I have been given is a promissory note that indicates XXXX . XXXX or XXXX was never my legal name from XXXX XXXX XXXX . As I've stated before it is the legal duty for the lender to ensure that proper documentation is given regarding the correct name. I believed I have been misinformed to obtain pricier repayment terms and misleading me about federal loan forgiveness programs. However, I can not participate in loan forgiveness program because my name does not match. Nor, can I create a online account because my name does not match. The lenders had a legal and ethical obligation to disclose all information about a loan to me and informed me that having a unauthorize last name on my account will prevent me from being able to participate in some forgiveness program and inability to access my account. I find that the lender and AES was reluctant to provide me with a full loan disclosure, consider that I sign with my legal name only birth name. AES then used unscrupulous methods against me with hard credit check and false reporting me to credit bureaus, although I was making on time payments and was never late. Their actions were abusive. If it was not for a worker ( Supervisor XXXX ) stating it was not the US Postal Services that provided AES with the fake address, but XXXX ( skip traces credit system ) Never heard of this credit company until XXXX. This information was revealed on XXXX XXXX disclosing the measure they used against me after numerous calls, I would have believed that I was a victim of identity thief. I even took off work and was ready to make a police report until this action was revealed. What was even more alarming was AES alter my account without my knowledge before they even received returned mailed and did not inform me, they were altering my account without my permission or knowledge. AES did the updating independently because they wanted to do so. After, numerous cascading letters and emails only to update my address back to what it was. No American should experience such aggressive, abusive, tactics and not understand the full score why such retaliatory actions being taking place against them. Now I have to fight to restore my credit after the hard credit reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was notified in writing by collection agency Will-Rush regarding debt and it showed up on my XXXX credit report.
Product: Debt collection

CONVERGENT OUTSOURCING ( a collection agency ) has placed derogatory information on my credit report. The alleged debt is for : {$1300.00} and the original creditor is : XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. In addition to that pursuant to the FCRA, FCBA and the FDCPA I never received any written notice at any time to notify me of their attempts to collect on this alleged debt. 

Pursuant to the federal law my rights were violated as a consumer and the have violated a federal law. Especially for placing invalid derogatory information on my credit reports and they should not be allowed to get away with this unfair practice
Product: Debt collection

I attempted to start service with XXXX XXXX for ( gas ), I was told that I had a balance due of {$700.00} plus dollars at an address I never lived in, which could not have been mine. They told me there was nothing I could do but pay it to get my gas turned on. So I paid it but they put it on my credit report. I never gave written consent or authorize them to publish my privacy information even though this debt was proven not to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I applied for an auto loan at the dealership and with our credit union. The loan was finalized with the dealer using XXXX XXXX XXXX, but there are three hard credit inquiries listed on the credit report. Given the loan inquiries are supposed to be grouped when taking an auto loan, how do I resolve this so there aren't so many inquiries listed on our credit reports?
Product: Mortgage

We are about to close on our XXXX  parent 's house. We were informed that there was not a Lien Release with the County Clerks office. They had a Deed of Trust with XXXX XXXXXXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX merged with Citibank on or around XX/XX/XXXX. I have emailed XXXX several times on XX/XX/XXXX, with same same response each time asking me for all of the information they listed. I did. I received the same email back. I emailed it all again. I received that email back again. The title company we are working with also emailed XX/XX/XXXX, with no response. I finally received a different response on XX/XX/XXXX that there is no record of a borrower with that name or address. 

I called the XXXX  on XX/XX/XXXX and was advised that Citibank, in fact, should have documentation from XXXX XXXX XXXX. The representative also advised that I should resend another request with the XXXX  BankFind results. I have done that and waiting a response. We are suppose to close XX/XX/XXXX. 

It was also suggested by XXXX that I make a complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 

I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$910.00} There is no valid claim, no contracts exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorfalse claim and reportingI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card or prepaid card

Regarding Macy 's Credit Card -- I recently noticed, and called Macy 's, about their tapping my XXXX Credit Report -- XX/XX/2019 and XX/XX/2019. In XXXX, Macys lowered my limit to {$1100.00} and in XXXX, to {$600.00}. 
When I called the Macy 's Customer Service, I asked 1 ) why they were lowering my limit and 2 ), why are they tapping my Credit Report. 
The woman told me they checked my credit report and lowered my scores because I have not used my card in a while. I believe she said they do this if a customer doesn't use the card for six months or longer. I told her this caused my score to decrease and is a red mark on my credit report. I asked them not to tap my Credit Report again and that I will probably be closing my account. 

How can I have them fix my Credit Report and ensure they will not contact the Credit Bureaus again because I have not used their card in a while. 

Is Macy 's activity illegal? 

Now I have to pay the credit bureaus to lock my account. Ridiculous. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XXXX The XXXX, XXXX in XXXX the XXXX. XXXX. XXXX XXXX XXXXXXXX. 
XXXX XXXX In the amount of {$2600.00} Tried to collect the debt that I was not responsible for and they agreed That I was not responsible for this debt so XXXX XXXX XXXX XXXX agent Agree to remove the collection from all 3 credit. 
bureau 's XXXX, XXXX, Equifax. But unfortunately they removed the collection account from XXXX and XXXX, but not from Equifax. I have reached out to Equifax in regards to this matter with the collection account. XXXX XXXX XXXXXXXX I have sent Equifax paperwork showing them. The account is supposed to be removed From my credit report. Equifax refuse when the collection agency sent them proof and I sent them proof.they still Came back as updated. 
I do not think Equifax is investigating my Dispute. Because if they was it would not come back as verified.So I'm reaching out to CFPD to resolve this matter. Thank you.
Product: Money transfers

I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.
Product: Consumer Loan

Leased a XXXX from XXXX, financed by US Bank. 
1. was not told to bring charge cable to inspection and was charged for it - have letters sent from dealership to show it was returned 2. was not given access to inspection prior to turning in the lease, completed by Autovin 3. XXXX repeatedly sent late information from US Bank, making it impossible to do what they asked XXXX for lease return ) 4. was never sent information on lease return and normal/excessive wear and tear until 7 weeks after turning in vehicle 5. inspection and " excess wear and tear '' from their contracted inspector, Autovin, contradicts the documents they sent me 7 weeks after returning the vehicle 6. involved my insurance company whose photos and reports show normal wear and tear and not excessive as was claimed by XXXX. called US Bank on XX/XX/XXXX and asked about XXXX dispute process '' outlined in their invoice - they sent the initial report and the " excess wear and tear brochure '' that they said I should have received 3 months prior to turning in vehicle, but outlined no process and provided me with no options
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am being contacted at work by a company called Diversified Consultants. I have asked for them to stop calling, they continue to do so.
Product: Credit reporting or other personal consumer reports

I previously disputed a fraudulent account for XXXX that was place with a collection company XXXX XXXX XXXX XXXX XXXX I asked the company for debt validation and a purchase agreement, and never received the requested information. XXXX XXXX  still reported the fraudulent information on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. I have previously filed several complaints about this matter and have yet to get it resolved. My name is XXXX XXXX this is my only name nothing else is correct my address is XXXX XXXX XXXX XXXX California XXXX this is my only address remove any other address it is my not my job to validate account but the consumer agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Prosper Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with Proser anymore since it's not going anywhere, Note : I was told by Prosper that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
Product: Credit card or prepaid card

CAPITAL ONE IS REPORTING INQUIRIES TO XXXX CREDIT REPORT THAT ARE NOT MINE.
Product: Mortgage

Fay Servicing took over from XXXX XXXX for loan servicing. But I paid off my entire balance month before XXXX had sold off my supposed loan balance to Fay last year.

Since then I've asked custumer service at Fay for the loan docs. They have never mailed me any doc up till now. 

But my XXXX XXXX XXXX is being held hostage by this company. My score is continuing to deteriorate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without my permission on XXXX XXXXXX/XX/2023. XXXX/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. Trans union XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I recently discovered an account was opened under my name to open a new credit card with truist bank. I contacted the bank they were extremely unhelpful avocational. I then entered a dispute with XXXX.
Product: Debt collection

Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. 


Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : NORDSTROMTDBANKUSA XXXX XXXX XXXX XXXX XXXX, CO XXXX I made a timely payment to Nordstrom from my checking account from XXXX XXXX XXXX XXXX in XX/XX/2015, check number XXXX for {$100.00}. Unfortunately, my bank charged me 3 separate fees of {$30.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in error for one check. 
I sent a letter from my bank explaining that it was a bank error that caused my check to not clear. They would still not rescind the reporting to the credit bureau. I had no other missed or late payments to Nordstrom in the history of my having an account with them. 
My account number with Nordstrom is XXXX XXXX XXXX. I have had an account since 2015. 
Their customer service number is XXXX.
Product: Debt collection

A single {$480.00} credit card charge to XXXX ( XXXX XXXX XXXX ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from XXXX. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The XXXX credit card was closed by XXXX XXXX and this has probably damaged my credit. I will never do business with XXXX again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like XXXX/XXXX  XXXX allows this kind of behavior that could cause serious damage to those less fortunate than me.
Product: Mortgage

It first started in XX/XX/XXXX when I made three payments that month. We had been paying $ XXXX/ every two weeks, so in XX/XX/XXXX it worked out that we made 3 payments. They took the XXXX XXXX payment and applied it to principal and escrow. This was supposed to be for part of XX/XX/XXXX 's payment. Since then we have been considered a half a month behind. The in XX/XX/XXXX we had a returned ACH transaction on XXXX XXXX. We call on XXXX XXXX to notify the bank and they tell us it should go through twice. So we make a half of payment for XXXX and on XXXX XXXX we see another withdrawal labeled DiTech retry payment. We assume that this is the XXXX XXXX payment that was rejected. Now they are saying that they did n't get any money XXXX XXXX, only the over phone payment from XXXX XXXX. We faced them XX/XX/XXXX with bank statements and a letter from the bank showing the XXXX transactions. They came back and said our letter was n't legal enough and our bank statements were altered. We submitted again XXXX XXXX and have n't heard anything. I call and leave messages speak to agents all with no turn out or answers.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : credit or insurance. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX