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

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Student loan

I have reached out to Aid Vantage regarding my student loans. Despite my attempts to communicate with them, I continue to receive fraudulent calls from an individual claiming to represent the Federal Government and Aid Advantage. In XX/XX/year>, I contacted XXXX XXXX concerning my situation involving identity theft ; however, I have yet to receive any correspondence from them. Furthermore, I have also inquired about bankruptcy, but, regrettably, I still have not received any response. 
Additionally, I have received a counterfeit letter regarding payments and the conclusion of my forbearance period. Upon explaining my situation to Aid Vantage, I was dismayed to discover that I was communicating with a scammer who was impersonating them, using the phone number XXXX. The individual identified as XXXX XXXX requested that I call her back once I unlocked my student.gov account. I am astonished that I fell victim to this deception. 
Subsequently, I contacted the legitimate student aid number, XXXX, only to find that the scammer had fraudulently accessed my entire loan information while posing as Aid Advantage. They even sent me a fake email. I am requesting a call from a secure line and will continue to follow up on this matter.
Product: Debt collection

On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX and XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXXl XXXX/XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX   XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.
Product: Debt collection

I have no knowledge of this account and it is not mine. I have disputed this on my credit. They keep trying to put collections on my credit. I have no knowledge of the debts. They are not mine. The repeated re-posting of multiple collections to my credit during Covid-19 has kept me from obtaining a new credit card and divorcing during Covid as it is difficult to even dispute online right now. I believe their collection efforts have been financially damaging to me at this point.
Product: Credit reporting 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. 

Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit card

I submitted a XXXX $ payment on the XXXX on XXXX and theyre refusing to release my funds or verify the funds have been paid through my bank. They cant return the funds, and its going to be on hold til the XXXX is what they said. Goldman Sachs is about the worst XXXX company for a consumer to have the luxury of spending their money. Im going to have to take out a loan since they wont grant me access to my money. XXXX ridiculous they cant release my funds. Theyre bad trust advisors for my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies continued reporting the following fraudulent information without proper verification. This action by the Credit Bureaus has violated the Federal Law, FCRA section 605b. I am disappointed to see that the Credit Bureaus became non-compliant of such important FCRA Statute and kept ignoring the written appeals I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information. I am now submitting this complaint to request another investigation and have the disputed items be removed from my Credit File. Pursuant of the FCRA section 605b, I am urging that the Credit Bureaus remove the following items as soon as possible : XXXX XXXX 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 XXXXXXXX Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX, and XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information on Credit Report - Account XXXX XXXXXXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the presence of an alleged debt on my credit report, specifically Account XXXX XXXXXXXX, which is attributed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, assert that I have never engaged in any transaction, let alone purchased a timeshare, from XXXX XXXX XXXX or any other business entity. 
This matter has been a source of frustration for over XXXX years, and despite repeated attempts to resolve it, I continue to face unwarranted and baseless claims from XXXX XXXX XXXX and their collection agent, XXXX XXXX. As a seasoned realtor with over 15 years of experience in the real estate industry, I possess a comprehensive understanding of real estate transactions, including timeshares. To be explicitly clear, any real estate transaction, including timeshares, requires a signed contract to be legally valid. I can confirm unequivocally that no such contract exists in relation to this alleged debt. 
Upon requesting documentation to substantiate the debt, XXXX XXXX provided me with what can only be described as meaningless and suspicious paperwork. The attached documents including a warranty deed, which erroneously lists an outdated street address with an inaccurate house number, that I have not resided in since my high school years, includes two grantors whom I have never had any dealings with. What is most telling is the complete absence of my signature on this so-called " deed, '' which is a fundamental requirement for any real estate transaction. Furthermore, the lack of a copy of my picture ID, which is standard procedure in real estate transactions, further underscores the fraudulent nature of these documents. 
Moreover, the ledger purportedly containing " card transactions '' fails to reference any credit card belonging to me, and it does not indicate any legitimate transactions related to my name or accounts. This is undeniable evidence that this supposed debt is entirely unfounded, and it seems more likely that it is a result of identity confusion or, worse yet, a deliberate act of fraud and misrepresentation on the part of XXXX XXXX XXXX and their collection agent. 
I vehemently protest against these deceptive practices and respectfully demand that any reference to XXXX XXXX XXXX and all associated parties be immediately removed from my credit report. I have presented a compelling case backed by evidence that I am not responsible for this alleged debt and have never attempted to purchase a timeshare. 
I urge your agency to conduct a thorough investigation into this matter, and I expect a prompt resolution. Please inform me, in writing, of the actions taken to rectify this situation within 30 days from the receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).
Product: Payday loan, title loan, or personal loan

I am getting numerous and many calls everyday on this loan, which are harrassing and extremely disruptive to my work day. This company is also trying to take funds out of any account they ever used and trying to OVERDRAW my bank account. I have advised them that my finance status has changed. I can not afford to pay this loan at the amount they require me to pay which is accruing MUCH INTEREST everyday. I know I owe the money and am willing to pay this, but not at the original agreement ( other than to file bancrupty ). I want the excessive calls to stop, put the loan on HOLD for interest and fees, and give me a chance to catch up on the principal amount owed. They are unreasonable at this point
Product: Mortgage

I entered a complaint XXXX The complaint was closed. But this is not my decision. This mortgage company sent me letters about the property tax Never in those letters they specified I needed a XXXX policy If I knew I needed a XXXX policy, I would have purchased I read my mortgage disclosure and never in that document it mentions requiring a XXXX policy. Nevertheless I provided them with a new XXXX policy, now the mortgage company wants to have me pay for the laspse If I never needed XXXX before, why would I pay a lapse in insurance? I feel like I have no rights with this company as a consumer I struggle to get anywhere when I have never missed a payment and I have always cooperated with them. This company has no respectable communication when I have been nothing but forthright and I have always provided the documentation they have needed.
Product: Debt collection

In XXXX Of XXXX I lived at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I stayed there two extra months month-to-month and paid my landlord cash two years after moving out I get a judgment put on me from up or XXXX XXXXXXXX XXXX XXXX XXXX that I owe over {$3000.00} but the idiots also sent me a copy of the lease that shows that I was not under any contract when this happened and they did not own the property when I confronted them they sent me the lease and all the legal documents Ive been looked up the case number and looked up the so-called attorney and the court records none of them exist the court then said that I had a hearing coming in XXXX so I attended virtually but no one came back on the line to put me on the zoom call so then I got up the entire deck handed to me just because of the fact that I wasnt at a hearing when I actually was the lawyer is an actual lawyer with the Florida bar but its not its a fictitious name and when I looked on their website of open cases my name is not on there. I also had a security breach in my credit in XXXX by XXXX  the alcohol delivery service and they re-Kavic on my credit until just recently I am being denied a place to live because of my credit I am with XXXX XXXX and they are repairing everything they can my student loans shouldve been paid off years ago the IRS has taken {$30000.00} of my tax money and has never given me an explanation of why Im a W-2 employee Ive worked in the XXXX field for 20 years Ive never owe the IRS money but my late husband did owe them money but we were only married for two weeks in XXXX so the taxes that theyre charging me with our XXXX taxes he was married to someone else I need assistance desperately
Product: Student loan

I disputed my student loan status as reported on my credit report by key bank because the debt was charged off in error. 
I never received a bill for the supposed original late payment ( of which there was only one ) and there should not have been a payment due because of in school deferment. I have communicated multiple times regarding this matter by phone and email and have received no response or resolution from the original creditor. I told the creditor multiple times that I would repay the loan in accordance with the original terms and to the original creditor upon their restoration of the loan terms and of all related reporting to all credit bureaus. I sent a message to key bank escalations and provided all related documentation including dates of school enrollment, loan billing dates, and deferment periods. I received no reply and the loan continues to be reported in charge of status. 

Again, I expected to have no bill as I was enrolled in school, I received no bill, I received no communication from key bank, and then I received in the mail a stack of letters stating that my account was being sent to collections. When I logged in to view my account online it showed a XXXX balance. I was told upon inquiring that the account had changed servicers. I only learned the account had been charged off when I received a call from debt collections. 

This error and the continued lack of resolution around it, lack of communication, and failure to respond to my inquiries and requests by of key bank and all its agents has been negligent and unacceptable. This has negatively impacted the credit of my cosigner and myself. Copies of my written communications- which went unanswered- are attached.
Product: Mortgage

I, XXXX XXXX, the mortgage holder of # XXXX at property XXXX XXXX XXXX XXXX ca XXXX am writing you regarding phh XXXX refund owed to me. My account was paid in full XX/XX/2021 and a check of {$6200.00} was sent to me due to escrow overage. I requested they return money to sender which they did because i did not refinance my loan and under impression only i could do that. So phh XXXX  did claim to return money and stated i could not cash check if i was requesting money be returned. However phh XXXX once again excepted payoff under my name and account and i have not received a resending of the {$6200.00} escrow overrage i was entitled to nor a payoff letter of when mortgage was repaid in full or that my case is now closed. I am request phh mortgage resend my refund of {$6200.00}. Send me letter of date and amount paid off and that my account is now closed.
Product: Credit reporting

Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it on my credit report.
Product: Bank account or service

Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death account.
Product: Credit reporting 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. 


Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by Transunion and/or accepted by Transunion despite they knew now the fact that collection was in violation of the FCRA by Transunion and the collection. Transunion blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. Transunion added an unthorized address to Mr. XXXX credit file. Transunion knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that Transunion blocked him from using the Transunion online dispute process ( Transunion in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because Transunion knew if they let Mr. XXXX   to use that online dispute process without restrictions he would win and Transunion would had deleted that collection by now. Transunion now is served through this platform the attached files that were already sent to Transunion by they trashed them or ignored them and Transunion to explain why they did that in violation of the FCRA.Transunion must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX   specific Transunion credit report number. Included also the name of the collection. A XXXX XXXX   banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX   to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXXXXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and Transunion must delete that collection or face serious legal consequences.
Product: Credit reporting or other personal consumer reports

My information was apart of data breach from more than one company.
Product: Debt collection

Contacted this agency to resolve a debt that i had with best buy, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..