23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Duplicate Student Loan Accounts Reporting Incorrect Balance I am writing to formally dispute inaccurate information on my credit report regarding my student loan accounts. It appears that my student loans are being reported as duplicate accounts, causing my total balance to be incorrectly reflected as double what it should be. This error is negatively impacting my credit profile, and I request an immediate investigation and correction. 

Details of the Disputed Accounts : Lender Name : Mohela Account Numbers ( Last Four Digits ) : XXXX, XXXX ( Duplicated Accounts ) Incorrect Reported Balance : {$160000.00} Actual Balance Owed : {$84000.00} Upon reviewing my credit report, I have noticed that my student loans appear multiple times under different account numbers or with slight variations in reporting, despite them being the same obligation. This duplication is causing an inaccurate representation of my debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that your bureau conduct an investigation to verify the accuracy of these reported balances. If these accounts are found to be erroneously duplicated, I ask that the incorrect entries be removed or corrected immediately to reflect my true balance. 


Please confirm receipt of this dispute and provide updates regarding the investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to RBFCU and someone opened XXXX checking accounts in Texas and I live in Maryland and they also opened a credit card and then never paid it and now its hurting my credit. I request all accounts to be closed and the credit card removed from my credit report
Product: Debt collection

US Bank {$30000.00} SECURED CREDIT CARD. A this SECURED credit account was closed PRIOR to the secured amount. US Bank continued to keep the credit card account open and USBank charged late charges over limit charges and reported false and inaccurate information - then charging off an account that was and had been closed prior to the secured card limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct information.
Product: Credit card

I must inform you that I have been a victim of identity theft. I am disputing the following accounts as they were opened without my knowledge, consent, or authority. Upon contacting the respective companies, I was advised to file the FTC affidavit available on the website identitytheft.gov. 
WELLS FARGO CARD SER XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX Credit Reporting Agency , block information appearing on my consumer credit report that is the result of idenity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans from XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX  {$2300.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX  ) {$660.00}, Dept of EduXXXX {$13000.00}, Dept of EduXXXX {$1800.00}, Dept of EduXXXX {$3300.00} XXXX Dep of Edu {$1700.00}, Dep of Edu {$420.00}. 

These accounts have resulted in several hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. i do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my report were not opened, made or initiated by me but through identity theft.
Product: Mortgage

My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes.
Product: Debt collection

Credit Collection Services is in violation of the GLBA. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information.
Product: Debt collection

Wells Fargo Dealer Service has deliberately failed to comply with the rules and regulations of the FCRA, regulation Z, the Truth in the Lending Act, and consumer protection from predatory lending activities. 

I am requesting documentation for proof of certificate of indebtedness, financial statements that includes the balance sheet, income statements and cash flow statements. 

I am requesting documentations on the origination of the funds. Where did those funds come from? 

I am requesting IRS 1099-C cancellation form showing theres any debt. 

I am requesting all receipts of this alleged debt. 



Based on my wisdom, banks do not lend out their own money. The purpose of the bank functionality is to purchase securities and then resale it at a higher interest rates to potential investors. 
The average employees who managed Wells Fargo Auto operations does not own the company, nor its executives. The shareholders own Wells Fargo Auto Services not its employees, thats why its called Owners Equity for its shareholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to Equifax Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls.
Product: Credit card

I contacted XXXX XXXX on XX/XX/2023 about an expensive package marked delivered that I never received. It was photographed outside on my porch, in plain sight for people to steal. No signature required. I contacted them and they told me to contact my bank and file a chargeback, they would speak with my bank and get me money back. They did not ever file a claim with the delivery company, or give me any other means of solution. Since I never received the package they have to handle all those responsibilities. Instead, I continued to be told to file a chargeback and I would get my money back. Instead Amex keeps declining my dispute although I literally have written proof XXXX XXXX informed me to do so. Amex then told me to file a police report which I did and they still continue to decline my dispute although I did everything asked of me.
Product: Debt collection

I satisfied this debt to the original company XXXX XXXX about 3 years ago. I switched carrier and do not owe this company or First Point Collection agency. This debt has not been verfied by either company and needs to be deleted. 

I sent certified mail to the collection agency via usps and have not heard a thing. 

This debt needs to be deleted from my XXXX credit file ASAP. 

This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XXXX XXXX  reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX attempted to lift my credit freeze. Equifax website locks me out. Calling customer service ( automated ) does not resolve issue. 

On XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for TWO hours at that time, attempting to lift freeze. 

On or about XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for FOUR hours over course of 3 days hours at that time, attempting to lift freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party not involved, XXXX-present TransUnion have violated my rights by using my information and reporting my information without my written consent. This is a violation Pursuant to 15 U.S. Code 1681
Product: Debt collection

I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy US Bankruptcy Court District of Colorado Case Number XXXX Filed XX/XX/XXXX & Discharged XX/XX/XXXX - TransUnion is refusing to report the correct status of XXXX XXXX # : XXXX as included in Bankruptcy. File number XXXX, disputed and was not corrected as of XX/XX/XXXX. TransUnion is reporting the Bankruptcy discharge under public record but refuses to correct the accounts that are listed in the schedule with known dates prior to filing and discharge.
Product: Mortgage

I  XXXX   XXXX   XXXX  submitted a form to refinance my mortgage to reproduce my current loan of debt, into a more prosperous loan that better fits my needs. I have applied through  ( 3 ) three  different entities to handle this proposition with intent of full care. I submitted all information that was needed to " Refinance " the mortgage loan within  ( 30-90 )  days of the agreement. I had to make many of phone calls to follow up on the application to help further assist the loan agent. Every time I called, the agent announced, " they were processing the loan '' or they kept repeatedly losing all of my credentials or information such as : "  XXXX  's,  XXXX . 's, social security, credit reports and drivers license. These allegations went on a period ; extending, into a year and a half of "  XXXX  for Tat '' conversations and I was consistently told to resubmit all information at least  ( 5 )  tomes because, it was being lost in a shuffle. This actually ; means, that my applications were being singled out on purpose to force a " Foreclosure '' upon my resident at  XXXX   XXXX   XXXX  /  XXXX , Tx  XXXX . I consistently stayed in compliance with all loan agents and submitted, supplied, and followed all procedures at the time of the "  Refinance  ''. Bank of America sent out a refinance packet that allowed me o qualify and make the first (  3 ) three  payments ; in-which, I set up with "   XXXX   XXXX   XXXX   " accounts to transfer the payments safely to " Bank of America '' to stop the foreclosure. At the time the "  President  '' of the United States mandated that, all lending companies negotiate these loans from negative to a prosperity loan so, the government would not go broke and citizens would not have to vacate the premises. These banks have misled me with the wrong information and caused unnecessary fraudulent loans to transpire under the "  Penal Code Act  '' of the "  Federal Housing Authority '' . I 'm asking for retribution in the amount of total cost of my home ; plus, pain and suffering of all expensives, please. I have been sleeping out on the streets for the duration of being inconvenienced and had to file " Chapter (  XXXX  &  XXXX  ) Acts. I also had to implement a {$10000.00} payments to try to save my home. Please contact me at (  XXXX   )   XXXX  or mail to  XXXX   XXXX  /  XXXX , Tx  XXXX
Product: Mortgage

XXXX/Loancare. They bought our loan. We paid timely. For a year we had no problems, then we get a bill saying our loan was behind two payments. It is not true. I sent proof of payment from my bank XX/XX/XXXX. Got email saying I paid to the wrong loan no. Why was it not a problem before? Now they can not seem to handle transfering the payments to the proper account, even though theyve been doing this for over a year!. Lost 120 points on credit score! Called at least 6 times plus about 6 emails. They are so incompetent they can not even give us a provisional credit! This is affecting our health. They continually make deadlines and then break them.
Product: Credit card

i unfortunately had to close a business that i had for many years due to a few big losses during covid. I didn't realize i had a personal guarantee, wasn't informed I had a personal guarantee till the 5th month. when they reported me late on 4 payments. this has caused me irreparable damage. once informed I caught them up immediately. the damage was done and is still being done. I've never missed a payment before this .so when it was reported that i missed 4 all my creditors freaked out and started lowering my available credit one then caused the next to do the same even thou I've paid off over XXXX in debt its still showing 55 to 60 % usage cause of this misreporting. this is a business card that was never XXXXne my report but even though its caught up still shows up on my personal report. the way the bank handled this was underhanded and sneaky i have XXXX 's of XXXX of dollars going thru this bank from other accounts i have and no one wants to listen to me. i understand what a personal guarantee means and didn't know this account was set up like this otherwise i wouldn't have ruined my perfect payment history i would have just paid it and marked it up as learning lesson but this has gone way beyond that at this point please help get this removed from my personal report it is business and not personal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I would like to ask you to start investigation on accounts that I have in my profile. The point that these accounts are not mine and have never been mine. They appeared recently and I do not know their origins. Its identity theft and I am very sad about this situation. I want you to check them and to figure out what happened. Also I do not want to see them so I ask you to delete them. Thank you I will appreciate it
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concers regarding Zelle 's 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 insitution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only negleted to protect consumers but has also allowed repeat 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: Credit reporting or other personal consumer reports

I have mailed letters with documentation ( includingXX/XX/XXXX Bankruptcy discharge order ) in the past few months to update information on my credit report with Clarity Services. On XX/XX/XXXX I mailed dispute forms, a letter from a creditor, XX/XX/XXXX XXXX Bankruptcy, petition and the schedules with the debts listed. I received a report on XX/XX/XXXX in the mail with only a few of the accounts being removed or updated on the report. I understand that some of these creditor may no longer be in business however, perXX/XX/XXXXbankruptcy discharge order all debts owed at the time of the petition filing date of XX/XX/XXXX is discharged unless their is a reaffirmation agreement. Personal loans, installment loans, payday loans, and credit cards are not securred loans and are not allowed to be reaffirmed.
Product: Checking or savings account

I opened a Capital One 360 joint savings account in XXXX XXXX. At the time it maintained one of the highest interest rates available for a savings account. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % savings rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.
Product: Debt collection

the debt is reported as XX/XX/XXXX which is a lie they changed the date to benefit them. 
i worked for a company who wrote a fake/bad check ( i wasnt the only one it happened to ) and after all requirements for the money to clear were met it was spent, days later my account gets frozen and they take all the existing money from my account and tell me i owe them {$1300.00} etc i went to the corp branch to resolve the issue in which i was threatened if i didnt pay etc. after hrs of no compromise i left and my account stayed closed and the amount just... sat in limbo out of nowhere it goes on my credit and i start getting letters some of which i was being told i was going to be sued for the amount. this is all years before the XXXX report date. fast forward to XXXX i decide to dispute the report/ collection and it says it all happened in XXXX which is literally not possible because my vystar account ahd been closed for years before that! so when i tried to dispute it they sent me a copy of the check and everything said XXXX etc which blew me away. it was just a black and white photo copy of the old check etc. they 100 % changed dates and modified info to keep this account open and in collect on me because its been well over 7 years from the actual date this all happened.
Product: Credit reporting or other personal consumer reports

For over a year I have been disputing accounts with Equifax due to the fact the accounts are trafficking related. One account in particular that is still reporting despite being trafficking related is a XXXX XXXX collection account. Each time I have disputed this account and there have been several times I have disputed it Equifax has refused to remove the trafficking related XXXX XXXX account. Even when they have used my documentation to remove other trafficking related accounts. They have chosen to keep the XXXX collection account on my credit file. 

Equifax has received 17 pages from me on multiple occasions which included : 1. A Self Attestation of XXXX XXXX. 
2. The information that I needed to be blocked. 
3. Two XXXX XXXX Documents. 
4. A XXXX Notice. 
5. My Driver License. 
6. Reasonable Accommodation Request. 

In addition to the above, MY XXXX XXXX TOLD ME THAT EQUIFAX PERSONALLY CALLED HER TO CONFIRM THE VALIDITY OF THE XXXX XXXX DOCUMENT, AND TO ASK HER SEVERAL QUESTIONS WHICH SHE ANSWERED, and they told her they would be processing my XXXX dispute immediately and removing the trafficking related information. However, THIS NEVER HAPPENED! 

They have also prevented me from filing a dispute online for the XXXX account that was last disputed in XX/XX/2023, by saying that the XX/XX/2023 dispute is still open. For a dispute to take over 4 months is a direct violation of my rights and protections. I have requested for them to fix this error multiple times and they have not. This has been done in bad faith and maliciously to cause me to not be able to submit another dispute online regarding the XXXX XXXX account. 

Equifax has removed XXXX related items from my credit file using the same exact documentation in the past. 

DESPITE ALL OF THIS Equifax continues to report XXXX related information on my credit report and make extraneous and erroneous requests for more information from me. 

The XXXX - related information remains on my file in violation of my rights and is causing me substantial harm.
Product: Checking or savings account

I opened an account 2015. Money was taken out of my account, apparently fraud. I closed the account. 
I tried to reopen an account a month later, and was denied. Reason stated it was because I closed account due to the fraudulent charges.