23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed Bankruptcy on XX/XX/XXXX and included XXXX  in the bankruptcy, the bankruptcy was reopened again on XX/XX/XXXX, by the bankruptcy judge, I have been in the phone with XXXX   customer Service Representatives several time trying to get the bill adjusted to the corrected amount, unfortunately the representatives are not from the United States so they could not advise what department could help me in adjusting the amount owed to the correct amount. I never received any correspondence from sunrise regarding this account and I am not sure why Sunrise collection agency listed this debt on my credit report without investigating or contacting they just made my credit score drop. These people do anything without further investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XX/2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

so back in XXXX I had my idenity stolen and the frustrating part is they created an account with trans using my middle and sin different address and have applied to a ton of credit so when called transunion when they asked me questions to verify its me I couldnt answer them because they were asking about auto loans and credit cards I dont have I have called them and told them this but they wont listen to me I tired to create an account but I cant verify my identity and I have written in a lot explaing my situation and I dont know what to I need account numbers and everything but I can not get through to transunion they wont listen to me I even tired to email them and no one will help me its been years and I dont know what to do they also credit a XXXX XXXX account and thats linked to tranunion they ruined my life and no one at transunion will help me the thing is theres XXXX credit reports one under XXXX and the other with XXXX and the XXXX one is the one my sin number is actached to so nothing would apear on the XXXX XXXX becasue all loans and credit is under the XXXX XXXX account I tell them is but the just want my first name even after explaing tjhis to them I even asked them to check my sin number and see if theres another account and they refused to do it they havent help me through this and I XXXX about Identity theft and they say to check ur credit reports I can with XXXX but Im not in control of transunion account and for my report with the police and anti ftraud center need account numbers which I have no idea how to get becasue transunion wont listen to me I invited someone over and they have stolen my life and all my info any advice on that? I have talked to so many people and no one seems they can help me I know its rare but I cant be the only this has happens too I XXXX it and I cant find a result the person who has my idenity breaks into my house alot to steal info and he actually took my fraud case folder with all the photocopies of the letts I have sent into fransunion so I dont have proof I have a couple of letters I hid away but not all of them and its been XXXX years I dont know what to do any Im ruined if you know if anyone can help that would be nice do u have adivce? Im attaching some screen shots of my trans profile on line these are the messages I get when I sign in they cant verify my identity and I paid to get my score and they couldnt show me it and it showed me was the graph but Im not sure what it means the report wont let me look at anything explain why I called and told them all this about the messaes I get and they dont know what to tell me even after I explain my situation they dont even acknowlege my dispute they focus on the account that cantt be verified not the one thats attached to my sin number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Equifax. XXXX dated XX/XX/2023 and XX/XX/2023 about method of verification about a certain account that is reporting on my credit and they have not responded to my letters.
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.
Product: Student loan

XXXX stated : " Navient will be able to determine the origins of all of your loans. XXXX does not have that information. Navient should also be able to provide histories from the XXXX forward. '' Name of Owner Loan Program Date Disbursed Principal Balance Outstanding Interest Dept of Educ XXXX XX/XX/2017 {$78000.00} {$0.00} Dept of Educ XXXX XX/XX/2017 {$63000.00} {$80.00} Navient refused to provide the origin of these loans.
Product: Credit reporting or other personal consumer reports

EQUIFAX, It is unlawful to report a XXXX off because it is considered income by the IRS, and the account needs to be removed from my credit report.
Product: Credit card or prepaid card

Several fraudulent charges were made to my credit card. Wells Fargo contacted me because they noticed it. They did not pay for the charges ( small XXXX and XXXX charges ). They issued me a new credit card. This is all in XX/XX/2022. Then I saw XXXX of the fraudulent charges back on my new account. I contacted them and they said they received 'proof ' from XXXX and I asked for them to send that to me. When I received the tracking number I went to the post office and they gave me the address of where the XXXX business routers were delivered - this is not my address. I call Wells Fargo and they add this to my 'notes '. Unfortunately through all of this I really wonder who added notes and who didn't do a thing. They all read from the same script when talking to me. I have been to Wells Fargo branches and they are unable to help. I filed a police report. When I received the 'proof ' - it was NOT my email address or my XXXX account that was used and I then called back and provided them with this information. I also looked into IP addresses and this one was not mine. 
I did not make this purchase and I am not responsible for the XXXX charge and the interest charges. 
I have spoken to multiple people on the phone and via email. I have had to take time off of work to deal with this and this has caused me a great deal of stress and anxiety. 
I am incredibly distraught and upset and I do not owe Wells Fargo this money.
Product: Mortgage

A payment was made on XX/XX/21 and posted to our account. On XX/XX/21, the payment was reversed without notification nor explanation. The loan servicing was then transferred XX/XX/21. We found out about the reversal when the new servicer had a higher balance and the XXXX payment was overdue. An email was sent to Loancare, the response was to call XXXX. That number does not have an option to speak to a representative. Other numbers of XXXX and XXXX both lead to the same redundant option menu with no choice of speaking to a representative. The fax number of XXXX listed is a message center, not fax. A fax was sent to the XXXX office ( 1 of 2 with a working fax ), the response was Loancare will respond within 30 days of receipt of our letter. The reversal of payment should not have happened and the refund should have been automatic with an explanation. To spend hours trying to get our {$4200.00} back is ridiculous. Their business practices are horrendous. Some customers might not even realize they have been ripped off. Loancare should not be allowed to remain in business.
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 disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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 customers of dispute outcomes These failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.Experian has am filing a complaint against Experian for failing to properly investigate my regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone tried to get a car loan under my name without my permission and knowledge. I field a police report with XXXX Police Department and Federal Trade Commission and sent these documents to the Credit reporting agencies : XXXX, XXXX, XXXX asking to block and remove fraudulent account. The credit reporting agencies removed the fraudulent account ( Wells Fargo Dealer Services-account no : XXXX ) from my credit report. But recently I have checked my credit and discovered that XXXX credit reporting agency reinserted the Wells Fargo Dealer Services fraudulent account back to my credit. I contacted with them but they refused to help me to resolve the problem.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Student loan

I have submitted my Public Service Loan Forgiveness form for the period of XX/XX/XXXX through XX/XX/XXXX three times. 

The first time, MOHELA counted XX/XX/XXXX through XX/XX/XXXX, five months, and ignored XX/XX/XXXX through XXXX XXXX  17 months. 

The second and third times I submitted this form, they marked it as duplicate. 

I have been provided no explanation as to why they are not counting 17 months of payments. I have all my tax records from those years demonstrating I paid my student loans. They send no official communication. There is no appeals process I can locate. They do not accept emails. I have waited on the phone 9+ hours and never got through. 
This has been going on for eight months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never ask for loans I been getting mail from banks and other financial agencies approved lain letters Nd checks. How can I stop that. I am retired and on social security. Please stop these agency to lure people to sign that. This predatory lending and misleading marketing. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report a discrepancy regarding my auto loan with XXXX XXXX XXXX XXXX that has adversely impacted my credit report. 

Several months ago, I reached out to XXXX XXXX XXXX XXXX to discuss a payment arrangement for my auto loan to prevent any late payments from showing on my credit report. After speaking with a representative, an arrangement was reached where I was assured that the agreed-upon payments would prevent any late payments from being reported to the credit bureaus. 

The representative explicitly informed me that the arrangement would ensure that no late payments would be reported to any credit reporting agencies, including Experian. However, upon checking my credit report recently, I noticed that the payment has indeed been reported as late. 

The agreed payment arrangement was intended to prevent any late payments from being reported. I was assured that the late payment would not be reported. 
I believe this reporting is in error and is a direct contradiction to the arrangement made and the assurances given by XXXX XXXX XXXX XXXX. This incorrect reporting has negatively impacted my credit score and is causing me undue distress. 

I kindly request an investigation into this matter and the correction of my credit report to reflect the agreement made, ensuring that no late payment is shown for the period in question. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to Equifax to have 10 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. 
On XX/XX/2022 and XX/XX/2022 I sent in letters to XXXX to have 8 accounts and 5 Inquiries removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable 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 experience, where Experian has neither correct 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 inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I initially mailed Lendmark Financial Services a notarized promissory note for {$12000.00} to pay off my loan for a personal vehicle. They refused to LEGALLY honor or dishonor the note. I then mailed a notarized " Breach of Fiduciary Duty '' letter to them informing them on the laws that they were breaking in not honoring or dishonoring my promissory note. I told them that were making me go through harm mentally, spiritually, and financially by not trying to help me when I'm clearly striving to pay the debt by all legal options. My next step was mailing them a notarized affidavit asking for my " Debt Validation/Verification/Conditional Acceptance Letter/Hardship '' concerning the loan because they NEVER gave me a copy of the loan paperwork after I signed for my " loan '' initially. I also asked for my original promissory note back because them keeping it is their LEGAL ACCEPTANCE! They granted me my " Hardship '' but, they failed to respond by a legal affidavit with the answers to all of my validation/verification inquiries under their sworn statement that the responses would be accurate. I called today and was told by XXXX XXXX ( Manager ) that their legal dept. instructed her to tell me that they were not going to entertain any more of my " FRIVILOUS '' letters concerning me getting information that I'm entitled to concerning me and my social security number that I signed! WOW! My next steps will have to be rescinding the contract because I was legally incompetent to sign any paperwork without legal council and/or full knowledge concerning a CREDIT transaction disguised as a " CASH LOAN '' in which I NEVER received any cash directly. They failed to instruct me on all details and processes with the transaction as well as providing me with a copy of all the paperwork concerning my loan, which affected my ability to rescind the contract in 3 days. If I knew that they would have such poor customer service and respect for their customers I would have NOT contracted with them and help them commit securities fraud! I mailed all letters by certified mail, I have copies of all letters that I mailed them, and a copy of the promissory note. I recently sent a letter asking for ALL securities concerning my account, name, and social security number to be credited to my account immediately since I felt as if they were committing securities fraud. I was told by a representative that a response was mailed, but I told her that I never received it and asked for another one. Still NO RESPONSE and total disrespect.
Product: Credit reporting

I filed a dispute with Transunion regarding an incorrect balance owed with a creditor, XXXX, which had n't updated my payment balance. My credit score at the time was XXXX. As the dispute was resolved in my favor, an XXXX updated my balance information showing I owed them less money, I expected my credit score to improve. After filing the dispute, my credit score DROPPED XXXX POINTS. I contacted Transunion, their representative indicated they would remove the dispute mark, but the score remains the same, at XXXX!!!!! I would like to know exactly what happened to cause my score to drop XXXX points. Something does n't seem quite right here. Thank you.
Product: Vehicle loan or lease

On XX/XX/2024, I XXXX XXXX was approved for a vehicle at XXXX XXXX XXXX XXXX, but was told by the dealership that Santander Consumer USA is requiring me to make a downpayment while my goal is to make a consumer credit transaction were cash isnt involved.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against The Bureaus regarding their unlawful re-reporting of a previously disputed and removed collection account on my credit report. The actions taken by The Bureaus violate the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. Below are the details of my complaint : Background of the Issue In XX/XX/XXXX, I disputed an illegitimate debt with XXXX XXXX Credit Card, the alleged original creditor. The dispute resulted in the removal of the account from my credit profile. In XX/XX/XXXX and XX/XX/XXXX, I successfully disputed and removed a collection account reported by The Bureaus regarding this same debt. However, on XX/XX/XXXX, The Bureaus illegally re-reported the same debt under a different account number, despite the previous removals. The account numbers reported by The Bureaus changed from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, demonstrating an attempt to misrepresent the debt as a new obligation. 



Violation of the Fair Credit Reporting Act ( FCRA ) The Bureaus re-reporting of a previously removed debt violates Section 605B of the FCRA, which protects identity theft victims from continued reporting of fraudulent accounts. I am a documented victim of identity theft, and I have notified both The Bureaus and the credit reporting agencies multiple times. Despite this, the account has been reintroduced into my credit profile, causing further harm. Credit reporting agencies, including TransUnion, Equifax, and Experian, have a legal duty to ensure the accuracy and legitimacy of reported debts. Their continued acceptance of this inaccurate reporting is a failure to uphold consumer protection laws. 


Pattern of Unlawful Conduct This is not an isolated incident. I have been subjected to repeated re-reporting of illegitimate debts by collection agencies, including XXXX XXXX, which was removed only after four dispute attempts. Despite my numerous complaints and supporting evidence, credit reporting agencies and collection companies continue to violate the FCRA by refurnishing deleted information. 


Supporting Documentation o A copy of the deleted collections by The Bureaus from XX/XX/XXXX. 
o A copy of the re-reported collections by The Bureaus from XX/XX/XXXX. 
o Documentation proving the sale/transfer of the disputed debt from XXXX XXXX to The Bureaus. 
o A copy of my credit report highlighting the fraudulent re-reporting. 
o A police report confirming my status as a victim of identity theft. 
o A prior complaint filed with the CFPB regarding the original dispute with XXXX XXXX. 
o A formal request under Section 605B of the FCRA to permanently block this fraudulent information from my credit report. 



I appreciate your prompt attention to this serious matter. Please confirm receipt of my complaint and provide updates on the steps taken to address this issue.
Product: Debt collection

Trying to take legal action, all debt now is third party without my consent. All debts are XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX Account number XXXX is violating my rights to accurate information. The account is closed and was consolidated in 2019. The account is listed on my consumer credit report as open and a charge off/collection. The account has been deleted from XXXX. 

The FCRA states that credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.