23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX*THIS IS NOT A DUPLICATE COMPLAINT. *** I AM THE CONSUMER AND I KNOW MY RIGHTS 12 USC 5511 ( c ) ( 2 ). The Consumer Financial Protection Bureau is to protect me from unfair deceptive or abusive practices from discrimination, 12 USC 5511 ( b ) And enforce actions of violations of Federal Consumer Financial Law. Consumer Collection Management Inc has violated the Gramm-Leach-Bliley Act. 
I sent XXXX XXXX XXXX a letter on XX/XX/2021 exercising my right to opt out from them disclosing my nonpublic personal information ( personally identifiable financial information ) to any and all nonaffiliated third parties. I never received a response back from this company and they are still disclosing my personally identifiable financial information to nonaffiliated third parties, consumer reporting agencies and resellers. I have attached the letter I sent them including my drivers license and proof of address, even though I am aware proof of identity and proof of address are not required for me to opt out of my nonpublic personal information from being disclosed to nonaffiliated third parties.
Product: Credit reporting or other personal consumer reports

Mohela loan showing up twice on credit report, reporting both as open, on loan slightly less than the other, and showing a much larger debt in student loans by almost {$74000.00}. Disputed on credit report.
Product: Checking or savings account

I deposited XXXX fraudulent checks that I had no knowledge of them being bad. One for {$XXXX} on XX/XX/year> and one for {$XXXX} on XX/XX/year> I had no knowledge the checks were fraudulent when I made the deposit. XXXX Bank was made whole on the check for {$XXXX}. They closed my account as being fraudulent and confiscated my funds of approximately {$XXXX} and would not release them to me even though they were made whole on the {$XXXX} check
Product: Credit reporting or other personal consumer reports

I have sent multiple personal update letters from XXXX through XXXX, requesting that my personal information be updated to reflect only one name and one address. The credit reporting agency has not updated this information nor responded to my letters, despite my verification of one name and one address. 

XXXX reflects the correct name and address, and I have provided a copy as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Re : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CKS Prime Investments. 

They have failed to VALIDATE ANY DEBT
Product: Credit reporting or other personal consumer reports

Subject : Request for Continued Review of Disputed Accounts Due to Identity Theft Dear Equifax Dispute Resolution Team, I am writing to reaffirm my dispute regarding the inaccurate and fraudulent accounts on my credit report, which were the result of identity theft following the Equifax XXXX breach in XXXX. As a victim of this breach, my personal information was compromised, and I have since suffered financial and credit-related harm due to unauthorized use of my identity. 

I have previously submitted disputes on these accounts and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my government-issued ID and proof of address. 

The disputed accounts remain unresolved and continue to negatively impact my credit report. To assist with the resolution, I am again providing a list of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given that these accounts are the result of fraudulent activity stemming from the data breach, I respectfully request a thorough review of my case and removal of these items from my credit report. 

Please confirm receipt of this letter and provide an update on the status of my disputes. I can be reached at XXXX should you require any additional information to facilitate the resolution process. 

Thank you for your continued attention to this matter. I look forward to your timely response.
Product: Mortgage

I received a letter of foreclosure in XX/XX/XXXX from ASC ( Wells Fargo ) the reason I was in default is because : my Husband and I were laid off due to the recession of the country. I immediately apply for a loan modification but was denied. Then we failed for a Bankruptcy in XX/XX/XXXX but was dismissed. We have try numerous ways to get this loan Modification for the pass six years and no progress has been made. 
I am Frustrated to hear the same story about it going through a process for almost 6 years and I still having received help from Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 around XXXX XXXX CDT I contacted XXXX  XXXX to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home address via US Mail and had my name listed as the account holder.

XXXX XXXX through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the accoun
t.

On XX/XX/XXXX I became aware that my Experian credit report was showing a serious delinquency on the account in question despite not being associated in XXXX XXXX 's system as under my social security number.
Product: Credit reporting or other personal consumer reports

Here is a brief description of the incident. On XXXX XX/XX/XXXX, I had visited Sephora in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I asked the store associate to create my free account. While creating a free account I was asked by the store associate to provide details about my SSN and other information. On asking if this would impact my credit score, she said no it would not. I asked her why this is required since I am only creating an optional free account, she assured me that it is just the policy. However, on the application, I did not fill my income details correctly, since I did not want to apply for anything at all except for a free account. Days later I received a letter which mentioned my application for Sephora Card issued by Comenity Capital Bank was rejected based on lack of account information. On XXXX XXXX, I saw that there was a hard inquiry done on my XXXX account. 

I had never asked for creation of a Sephora card issued by Comenity Bank. My Credit score was impacted due to this. Keeping this in mind, I have raised an identity theft fraud report and will be sending the report and relevant documentation to XXXX and Comenity Bank. I am disputing the hard inquiry that was done against my credit account. 

On XXXX XX/XX/XXXX Comenity Bank told me that it would undo the hard inquiry that was raised against my credit report and would inform XXXX. However, it is currently XXXX XX/XX/XXXX and XXXX has reported that it has not received any kind of communication from Comenity Bank. I have recorded audio calls as a proof for this. In view of this, I am raising this identity theft report so that my issue is resolved ASAP.
Product: Debt collection

discover and XXXX XXXX ; i was a victim of identity theft
Product: Credit card

On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.
Product: Student loan

The Dept of Education through the XXXX XXXX XXXX XXXX XXXX informed me that as of XX/XX/XXXX I have made XXXX ( qualifying and eligible ) payments on my both my student loans. After XXXX ( XXXX ) and XXXX ( XXXX  ) years of payments, the government is supposed to forgive the remaining balance. Yet they have not done so. While I understand there is litigation on some student loan matters, the forgiveness is not in question. The XX/XX/XXXX year limit on repayment has been in effect for many years well before the SAVE and/or REPAYE/PAYE payment plans were ever created. I am eligible for forgiveness based on those rules and other rules that Congress enacted for anyone on an XXXX  payment plan.
Product: Mortgage

My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX  is charging for XXXX {$570.00} which are claiming that insurance didnt cover, XXXX never notify me the consumer when they did the XXXX how much I was going to pay, if insurance didnt cover costs, they send me a bill after the procedure.
Product: Debt or credit management

Well I received a letter from this company saying I owe them money yet I never owed a medical bill or borrowed money from any one in this company or icp
Product: Credit reporting or other personal consumer reports

Good morning, XXXX XXXX is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report. 
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts. 
XXXX of the accounts is from XXXX XXXX. When I notified them that the account is opened fraudulently, they said that the account is verified. 
XXXX XXXX went and updated their outdated info with my current data to make it seem that the account was verified and I have proof. 
After hours of bombarding a customer service rep, I have the original contract that was signed with XXXX XXXX vs their edited one. 
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ). 
The only reason I got the original contract was because a customer service rep felt bad over my situation. 
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year. 
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified. 
What they're doing is illegal and they should definitely get in trouble for it. 
It isn't fair. 
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX  ( which means I wouldn't have put that address in XXXX of XXXX  ) and a pdf proving my identity. 
I have also included a voice recording of the " verified conversation '' between me and a customer service rep. 
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that XXXX XXXX illegally edited their contract to seem like I was verified. 
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing. 
Thank you!
Product: Checking or savings account

On XX/XX/XXXX I was working from home and my email was compromised and i received my first suspicious email at XXXX XXXX, i received an alert that someone named XXXX, XXXX was added to my XXXX account as a recipient through my Bank of America. I do not know who she is and how they got my information. Then i got two more emails saying that a verification code was sent to my email and two verification code text messages sent to my phone. Then my debit card automatically got locked and then unlocked. Then the person transfer {$1400.00} to the recipient 's account at XXXX. All this was happening and i couldn't do anything. So i called the bank and filed a fraud claim and they said to wait 10 days. Today is the 10th day and they told me that my claim was denied because all this happened from my own device, a cell phone and the computer from the same IP address. They said they are only reconsidering to help me with the claim if i could get a letter to prove that my phone and computer was compromised from the scan by the XXXX forensic. However the computer forensic scan cost more than the money the theft took and i don't know what to do. I am going to file a police report as i thought the bank would help me but they aren't. I have been banking with them for 5 years and they didn't trust me and my only option was to have my phone/computer scan which will cost more than the money i lost ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized
Product: Mortgage

On XX/XX/XXXX, we were informed by Third Federal personnel that we had been denied for our mortgage refinance. They cited our income to debt ratios and the loan to value ratios were too high. Below is the email we received when we asked them to explain exactly what their ratios were. 

" Currently we require our debt to income ratios to be 28 % ( housing ) /36 % ( housing and all other debt ) Youre ratios were at XXXX Also, the loan to value needs to be at 70 % or below, you are currently at 80.9 %. '' We feel we were grossly mislead by Third Federal. Had they disclosed their requirements upfront, we would have sought another lender. We've never heard of requiring a 70 % loan to value from any lender. We have wasted valuable time ( we first applied on XX/XX/XXXX ) pursuing an application for refinance with them and were lured in with the promise of a " low cost loan '' for only {$290.00} in closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX XXXX XXXX XXXX - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Product: Money transfer, virtual currency, or money service

Refund for all problems with money being returned.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> information was sent back from Equifax saying that they investigated this complaint is in relation to complaint XXXX for XXXX XXXX and stated that this debt has been verified. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? 
The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Product: Credit card

Goldman Sachs Credit card charged with XXXX XXXX for in app purchase that was mistakenly made by a minor. Immediately disputed the charge and explained to both the 3rd party app and XXXX XXXX, dispute denied twice. Tried to dispute with Goldman Sachs and credit card, was told can not dispute XXXX XXXX charges. Was later told that I can dispute through the credit card. Very deceptive practices by XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Louisiana Child Support Account # 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 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 ) ( 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.
Product: Debt collection

I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.