23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been in continuous repayment of my student loan since XXXX. I have verified my PSLF eligible employment throughout this time. My loans were involuntarily placed in forbearance due to the SAVE litigation. I have followed the Federal Student aid instructions to request a buyback. I have waited >45 business days for this buyback offer and heard nothing. I have contacted the help center at studentaid.gov on multiple occasions and have not received an answer or resolution. This delay is negatively impacting my financial and personal life. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1996 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically with regard to the reporting practices of XXXX XXXX XXXX XXXX The violations I have experienced have had a profound impact on my life, and I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to rectify this situation.

For too long, I have endured the unjust consequences of an inaccurate and unverified item on my credit report, which bears Account Number : XXXX and is associated with XXXX XXXX XXXX. Under the FCRA, I understand that this disputed item should not persist on my credit report if it can not be substantiated with credible evidence. I refer to the following specific sections of the FCRA that have been violated : Section 611 : Procedure in case of disputed accuracy ( 15 USC 1681i ) Section 623 : Responsibilities of furnishers of information to consumer reporting agencies ( 15 USC 1681s-2 ) I have taken every possible measure to address this issue with XXXX XXXX XXXX, yet the burden of this unresolved dispute continues to weigh heavily on my financial well-being and my prospects for the future. I have struggled to secure favorable interest rates for loans, missed out on housing opportunities, and faced unnecessary stress due to the uncertainty caused by this unjust reporting.

I implore you to consider the emotional toll this situation has taken on me and my family. As a result of this unverified account, I have been unable to provide my children with the stable home they deserve. We have been forced to live in a neighborhood that does not provide a safe environment, impacting their growth, education, and overall quality of life. 

The emotional distress I have experienced is immeasurable. Each day, I am reminded of the detrimental impact this inaccurate reporting has had on my life. My family 's dreams of financial security and stability have been shattered due to the negligence of a creditor 's reporting practices. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau exercise its authority to enforce my rights under the FCRA. Specifically, I urge you to take the necessary steps to ensure that the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX is promptly removed from my credit report. This action will not only provide me with the relief I so desperately seek but also serve as a beacon of hope for countless individuals who find themselves entangled in similar circumstances.

I humbly await your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will use its influence to restore fairness and accuracy to my credit report. I thank you in advance for your understanding, compassion, and dedication to upholding the rights of consumers. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I found out that I was victim of an identity death and someone stole my information and applied for several credit card and this one was one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or Experian, XXXX and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to Experian, XXXX and XXXX. I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to WF CRD SVC, yet WF CRD SVC is not removing this fraudulent account. WF CRD SVC has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet WF CRD SVC has refused to do this. The following is the fraudulent account : WF CRD SVC / XXXX.
Product: Debt collection

I received a call and voicemail from the company on XXXX at XXXX. A few minutes later they called my employer. They didnt give me a chance to even listen to the voicemail and return their call. I had no idea what they were calling for because they didnt send the proof of debt email until after at XXXX XXXX. They responded to a previous complaint stating they called 4 different numbers in a 20-30 minutes span. They also stated they sent the proof of debt and then started with the harassing phone calls which isnt true. They called me at XXXX and sent the proof of debt at XXXX XXXX. My issue is they should give people a chance to hear their voicemail and return the call before harassing all these other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX XXXX, XXXX XXXX Date : XXXX. XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX
Product: Debt collection

In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the Mandarich Law Firm in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is XXXX XXXX XXXX from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.
Product: Mortgage

We had a conventional mortgage that was paid in full on XX/XX/2020. 

On XX/XX/2020, we received a notice that our escrow refund was processed and sent. The total amount is {$1300.00}. 

We never received the check so we contacted GSF Mortgage Servicing/Cenlar about re-issuance of the check. 

This was completed on XX/XX/XXXX. We were told it would take 15 business days to process and the check would be mailed out. 

We called back numerous times at the end of XXXX XXXX to explain that we never received anything. 

The representative explained that the check was never re-issued as our " ticket '' was still open in their system as of XX/XX/XXXX. 

After numerous calls and transfers over the course of XXXX, along with being hung up on, we were finally put in touch with a " supervisor '' named XXXX. 

She said the new check would process as of XX/XX/XXXX and it would be 10 business days to receive. 

She also said she would provide a call back to me personally once the check was processed. This never happened. 

She also said that we would receive a transcript of all of our call log from our numerous attempts to resolve this. This also never happened. 

We called again today to ensure that this has taken place to only be told the new check had been processed but they could not provide any detail on the check, tracking, or any other information assuring us that this has been resolved.
Product: Credit card

See previous response. XXXX XXXXXXXX and XXXX XXXX who I originally spoke with both XXXX XXXX XXXX XXXX XXXX I owed money for that safe deposit box I never used and got no notifications all this time, I OWED MONEY, HAD THAT BOX yrs. NEVER I owed money IT WAS free, they never SENT ME where I signed they had my permission to go into Community bank and pull out funds, never knew this, sneakey they never notified, SAW MY XXXX XXXX  STATEMENT just wondering what the heck the charge was, my XXXX XXXX  disputed AS I NEVER AUTHORIZED IT AND GOT MY {$100.00} CREDITED BACK TO ME. THATS WHEN XXXX KEYBANK DID A CASH ADVANCE AND PUT IT ON MY CHARGE card for {$50.00} safe deposit box never used, tried to return key in person told too busy, never got notices for a bill, the lie, said bank XXXX at XXXX XXXX, said she sent I ASKED her to send me copies SHE NEVER DID!! This is so stupid for keybank over a free safe deposit box. Then the harassing phone calls nasty another attitude that not paying my charge card. Hello. For a free box.?? XXXX for keybank to do this without my PERMISSION. go after XXXX. not a {$50.00} safe box ruining my credit now with XXXX late payments.
Product: Consumer Loan

I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.
Product: Mortgage

I have an equity line with PNC Bank. I have not received a statement from them since XXXX of 2018. They will not allow me to set up an online account. I have written letters to them and complained to customer service reps who have been unable to help. I continue to make my payments but have no idea of my balance and if the payments are going to the correct account. To make payments I either have to call and pay a XXXX dollar fee to process a phone payment or handwrite an envelope copy my XXXX payment ( again ) and hope they put it in the right account.
Product: Debt collection

Midland Funding has been reporting on my credit reports for over XXXX months and I have never received any initial communication in order for me to verify the debt is mine and accurate. This is the law. This is a major violation and would it taken care immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute submitted to Equifax in XX/XX/XXXX for inaccurate reporting of two collection accounts named under XXXX XXXX. Equifax responded with the following statement '' more detailed information will need to be given in order to process. '' The following specifics detail the company and complaint : 1 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$48.00} 2 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$37.00} Original complaint : Two collection accounts under the name of XXXX XXXX from XX/XX/XXXX had been removed 4+ years ago has now reappeared or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report within 5 days of reinsertion. Please review my case and have Equifax remove the negative collections immediately from my report as this is a violation of Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert an item on your credit report without notifying you within 5 days of the reinsertion in writing. I was not notified. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to XXXX, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Product: Debt collection

I had a debt with XXXX XXXXXXXX XXXX, btw I am using my daughters email address as I dont have an email address of my own because I dont check email. 

Anyways, I lost my job during the period of having that credit card account. I called XXXX XXXX and told them, they were not very helpful and said sorry call us when you can pay {$600.00}, that was apparently my minimum. I was not working and couldnt afford it. 

I got collection calls about this debt and explained my situation. I never received collection letters and I keep my mail for 3 years. I have no collection letter about this credit card. 

Next thing I know, I am receiving letters from Blitt and Gaines saying I will be sued?!?! 

How can I be sued when I was never given any collection letters from XXXX XXXX? 


I called Blitt and Gaines several times, emailed them, and sent them a letter to ask for a settlment agreement. They have not responded. I am XXXX XXXX XXXX and not working. My poor daughter is unemployed and using her unemployment money to help pay this debt. I am in deep turmoil. They are threatening to sue me without any due process of debt collection and arent willing to work with me on a settlement. Its unfair and illegal.
Product: Checking or savings account

I was recently fallen to a scam on XX/XX/2023 when thinking I was making a smart purchase on buying an XXXX XXXX online. The company is called XXXX XXXX 's XXXX 's. This was a legit transaction I handled as I read the card details to a man on XXXX  This course is called XXXX XXXX 's in which I believe he has a chargeback management team scheme in where they ask Individuals to sign up for the course. They promise one on one training and they do not respond to your questions when you have. The course is a bunch of pre recorded videos in which he just milks and stalls the actual material of the course. Then proceeds to say to ask questions and ask for help as little as possible and to figure out the material on your own. As I realized that this was a scheme and they have fake management teams that fill in as certain positions to cover up, they deleted my messages after I tried to type in the XXXX chat on how this indeed was a scam. XXXX  is unprofessional social networking site where people can go as usernames and anonymous. I initially charged a dispute against them, XXXX ( The owner ) had gotten angry and told me to delete the charges made against him and we could work out a potential solution. After I had completed what he wished, he proceeded to stall and completely ignore what I was trying to explain to him. These people are extremely advanced in scamming victims and have often have chargeback management teams that fight against claims that people make in which are true, but have cover schemes to show to the bank. I believe I have a right for this to be investigated properly by Fraud Investigation and can clearly see that this is corrupt business from this company. I have submitted a billing dispute providing screenshots and email receipts that were faxed to the Fraud Investigators for Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau .
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late yeaXXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you verify the documents? Several listed accounts have incorrect reporting, amounts, and dates.
Product: Debt collection

I have previously sent FirstPoint Collection Resources , Inc several requests to validate my alleged debt. Each time they have failed. 
I was contacted by XXXX XXXX and XXXX XXXX. They each have failed to Validate the alleged debt of {$780.00}. 
FirstPoint Collection Resources , Inc. are debt collectors and has failed to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. FirstPoint Collection Resources , Inc. did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.

FirstPoint Collection Resources , Inc. does NOT own the account and therefore, we have no contract
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditors have violated my right.

15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY.

15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

Capital One is reporting a fraudulent credit card on my credit report, Account was on XXXX XXXX XXXX, I just turned XXXX so it's impossible
Product: Credit card or prepaid card

Belkclosed my account after I paid my credit card off. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my Belk card off on XX/XX/2019 and then they closed my amount. That is very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX  XXXX. There are two different high balances being reported, {$960.00} on XXXX and XXXX but {$0.00} on Experian for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Product: Credit reporting

This is an incorrect account. I owe nothing to XXXX and I am in good standing with this company and have an active account in good standing.
Product: Debt collection

XXXX XXXX continues to send emails sometimes twice a day. With no info to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to XXXX in regards to a dispute and the fraudulent accounts and benefits on my credit profile.