23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I still do not know if this is really owed to XXXX. This debt has been silent since CountryWide had it in XX/XX/XXXX. 

However in fear of losing my home. I was gifted by family members the amount to bring the account current. 

I was told on multiple occasions by XXXX staff that the phone line was recorded. During these recorded conversations I was told that if I bring the account current by paying {$50000.00} that I would then just need to pay {$310.00} a month. They also told me there were no pre-payment penalties. 

These are the following representatives that told me this : XXXX ID # XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, and XXXX. 

They reported to you the CFPB that my payment also was {$310.00}. They also reported to you the CFPB that total amount to bring the account current is {$14000.00} if thats the case why did they make me pay them {$50000.00} to bring it current? 

After wiring XXXX {$50000.00} on XX/XX/XXXX from my bank, Im now being told that my new monthly payment beginning XX/XX/XXXX will be {$1000.00} a month. 
Somebody messed up because I was told many many times it would be {$310.00}. 

This is unacceptable and is lying to a customer by XXXX staff. 

It is also unacceptable that every time I call my so called Relationship Manager XXXX Teller ID # XXXX is not available to go over my case. 

The debt I owed was XXXX somehow they are saying it is XXXX plus which also is not true. When asked to verify how they calculated the number figures they responded to me saying they couldn't disclose this information because it was proprietary information under the requirements of ( RESPA ) and regulation X? How will I know if they are really telling me the truth or commenting fraud with this mortgage?

In good faith I have brought this account current out of fear, harassment, and intimidation believing that my payment would be {$310.00}. There is no way I will be able to pay {$1000.00} as I'm XXXX and with a fixed monthly income. I don't believe anything they say. They have sent me so many different statements, figures, and different amounts that I supposedly owe. They also have sent me other peoples loan documents, social security numbers, and other confidential documents that should have never came to me from their office. 

Makes me afraid and wonder if they are legit. I'm also afraid that they are sending other people my personal confidential information. They should be held accountable for breaching confidentiality. The way this world is today with identify fraud and theft someone could try to ruin my life, if XXXX shared my personal information by neglecting to be careful. 

Please help end this nightmare, PLEASE!!!!!!!!!! 

XXXX XXXX Please see all attached supporting documents. 

I'll file a second one to attach the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, I the XXXX is aware and have proof that Equifax has and continued to violate my consumer right and privacy. I the affiant observed 12 violations consumer credit report. Equifax is and continues to be in violation of 15 USC 1681 ( A ) ( 4 ), 15 ISC 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous of time that the Information was incorrect and should not be on there. I have been injured numerous from Equifax gross and negligent and willful behavior these injured include, and not limited to being denied credit, my reputation been ruined, loss of income, XXXX XXXX  XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Charge-off : XXXX XXXX XXXX XXXX Balance {$7000.00} ; XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$5400.00} ; XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX A XXXX Balance {$2200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

While I was waiting for a resolution on my previous complaint that my account was frozen and I was being denied access to my funds, without my knowledge Credit Karma, on XX/XX/year>, unfroze my account and reinstated my virtual debit card. That allowed an unauthorized person to apparently use said virtual debit card to make XXXX {$15.00} charges against the funds in my account, payable to XXXX. I attempted to dispute these charges to Credit Karma to no avail. I then spoke with XXXX, who told me I needed to get the transaction numbers and that they would look into reimbursing me the money. Since then, I have attempted almost every day to contact Credit Karma, but so far they have refused to return my calls and emails regarding this matter, effectively refusing to try to get these fraudulent transactions reversed and keeping me from being able to get them reimbursed myself. I feel that through their negligence, they enabled the misuse of my account and should be held responsible for correcting these charges against my account, or should at least provide me with all the transaction details so that I can attempt to correct the situation if they are not capable of doing so themselves.
Product: Credit reporting or other personal consumer reports

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

I made the worst decision to attend the XXXX XXXX XXXX. 

Since XX/XX/XXXX, i have had little luck obtaining consistent work that will facilitate the loan repayment. 

I blame Navient for facilitation the option for forbearance before offering other options such as IBR. 

In XX/XX/XXXX, i applied for the Income based repayment, but was denied by navient. All government literature suggested i would qualify however Navient has declined my request and continues to facilitate forbearance. Of course they would, they will take benefit from and ever increasing capitalised interest. 

This loan is not manageable and sadly will lead to a default. I have no assets it seems as a slow painful financial death for me.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting Blank. Called Equifax serveral times to get it fixed and even submitted requested documentation still reporting blank, they have stated it has been escalated but nothing has been done after being told that on numerous occasions. Banks are saying my credit is unidentifiable because there is no Equifax score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems was disputed and they expressed the account would be removed from my credit report in the amount of {$1400.00} and they removed it from XXXX and XXXX but neglected to remove it from XXXX credit report.
Product: Credit card

It has the appearance of massive credit card fraud with Associated Banks VISA card that is NOT administered by Associated Bank but rather by Elan Financial Services under some type of contract or agreements between the parties. Going over all monthly statements issued by Associated Bank and administered by Elan Financial Services, there appears to be a pattern of fraud with credits issued but NOT deducted from the monthly statement balance due. The only credits shown are the monthly payments made throughout XXXX. 
1. On XX/XX/XXXX a dual credit was posted in the amount of {$4.00} and {$31.00} XXXX XXXX XXXX XXXX credit adjustment. It was NOT deducted from my monthly statement due on XX/XX/XXXX XXXX. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. 
3. On XX/XX/XXXX a duplicate entry was made from XXXX XXXX XXXX XXXX XXXX ( $ XXXX ) = {$58.00}. The {$58.00} duplicate amount was added to my monthly statement due on XX/XX/XXXX. 
4. On XX/XX/XXXX a prov credit was posted for a FRAUDULENT transaction XXXX XXXX for {$64.00}. The fact remains it was NOT deducted but instead ADDED to my monthly statement due on XX/XX/XXXX. 
5. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX. for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX & XX/XX/XXXX ILLEGAL interest was added in the amount of {$1.00} and {$1.00} respectively on the {$64.00} fraudulent transaction stated in line item # XXXX above.
Product: Student loan

I was contacted and scammed but a debt consolidation company trying to fraud me out of money saying to pay the fees for 5 months, and my student loan debt would be paid off in 1 year.
Product: Debt collection

I am writing to file a complaint against RESURGENT/LVNV FUNDING, a collection agency, regarding an error on my credit report. I previously disputed a collection account that was reported by this agency, and it was removed from my credit report after the dispute. However, I have recently discovered that the same collection account has been re-reported on my credit report, even though it had been previously deleted. 

Here are the details of the situation : Collection Agency Name : RESURGENT/LVNV FUNDING Date of Re-reporting : XX/XX/XXXX Date of Deletion : XX/XX/XXXX Description of the Issue : This debt was previously disputed, and it was deleted from my credit report after I successfully challenged its validity. Now, RESURGENT/LVNV FUNDING has reported the same debt again without providing any new information or verification of the debt. This is causing harm to my credit report, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX and Transunion weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Experian received a letter from me demanding information they have been reporting in inaccurate. I received no response and Experian is still reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be DELETED immediately : XXXX XXXX XXXX
Product: Debt collection

My job got a wage garnishment summons in early XXXX. I did not see the original complaint against me, nor was any court documents sent to me to defend myself. But be as it may, my job honored the summons and {$1200.00} was garnished from my paycheck in XXXX XXXX. 

I just got another garnishment decision being submitted to my bank for a sum of {$520.00}. I called DCI Credit Services , INC ( in North Dakota ) upon receiving this notice. I spoke to someone on the phone requesting the initial decision amount and I was told it was $ XXXX. I am even skeptical of this amount, as I never got any garnishment notice or court decision prior to XXXX. And even if the original amount is correct, how did ( $ XXXX - {$1200.00} ) become {$520.00}. 

I believe DCI Credit is collecting a debt that has been collected in the past.
Product: Vehicle loan or lease

from XX/XX/2020 to present time the financial company try helping me while unemployed due to the global pandemic.
Product: Credit reporting or other personal consumer reports

TRANSUNION TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute the inaccurate information regarding my account with XXXX XXXX XXXX XXXX XXXX reported as open since XX/XX/XXXX 2020. I believe this account is incorrectly reflected on my credit report, particularly as it is not reported with XXXX, which raises significant concerns about its validity. 

Additionally, I would like to bring to your attention that, in response to correspondence received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XX/XX/XXXXdebt, we have taken steps to terminate collection efforts associated with this account (XX/XX/XXXX Reference # XXXX ). Given this resolution, I respectfully request that you conduct a thorough investigation into the validity of this account and proceed with the removal of this tradeline from my credit report across all bureaus. 

It is crucial for my credit report to reflect accurate and fair information, and I appreciate your prompt attention to this matter. I look forward to your swift response confirming the removal of the disputed account. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

This account was misleading from the beginning. I believe I was took advantage of and mislead. There was a lawsuit established for this company for lending. I was not shown any of this when first being offered this illegal car loan. The balance as you will see NEVER goes down eve after paying over XXXX month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have sent disputes to Equifax and the agency failed to investigate any items contained in any of my disputes. In fact, the agency told me I didn't have a credit file and refused to investigate any items I requested them to investigate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was incarcerated. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. Despite being incarcerated during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my incarceration during the time of the transactions. I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute regarding collection accounts to XX/XX/XXXX Equifax, and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.