23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life.
Product: Checking or savings account

On XX/XX/2022 a scammer deposited in my Bank of America account, a bad check that comes from the XXXX XXXX XXXX XXXX  and belongs to the company XXXX XXXX XXXX, registered in the state of Florida, for the amount of XXXX, the deposit was made in an agency of the bank of America, when reviewing this transaction immediately call the bank and report the activity as unknown, it was indeed a fraud that someone was committing using my bank account, fortunately I did not lose money since I made the report to time, however, I am affected because the bank made the decision to close my accounts, I have decided to report this case in all possible agencies and I will even make the police report of this fraud so that it can be investigated in which agency they made the deposit and who made it. I do, to prevent other people from going through what I have gone through and in turn to avoid these fraudulent actions that bad people commit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1988, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before Christmas. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX  XXXX   which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXX records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something somewhere, I don't know.
Product: Checking or savings account

Navy Fed always delaying payments and posting them late so that I would get overdraft. Been a member since 2011.
Product: Debt collection

This company is attempting to collect a debt that was subject to relief due to COVID protections from the city of XXXX. This out of state agency is unaware of the local laws that lead to the release from the lease here. The original creditor sold their business to another firm which then placed my account in collections, the collections agency will not provide their contact information and has not furnished the original creditors legal contact. I am prepared to take legal action because this has endangered personal financial transactions. For context the original creditors information I have, but the new owner of the leasing company I do not have, and I suspect an email from my attorney would resolve this in minutes.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Please see the below exchange with Fedloan Servicing. I 'm not complaining about their service, in particular, but rather the fact that previous servicers have apparently still not provided them a payment history that they can use to calculate the PSLF qualifying payments. Also, the previous servicers did employ shoddy practices, like delaying IBR verification for months, that ultimately cost me thousands of dollars in accrued interest that has now been added to principle. This industry needs to be cleaned up. 
Thanks Thank you for contacting FedLoan Servicing! 

Our records indicate that your Income-Driven Repayment plan began effective XXXX XXXX, XXXX. 

We presently have your employment certified from XXXX XXXX, XXXX until XXXX XXXX, XXXX for employer XXXX. Based on this period, you have made 0/120 qualifying payments towards your Public Service Loan Forgiveness ( PSLF ). Payments made beyond this period may qualify for PSLF as long as we have approved Employment Certification Form ( ECF ) on file covering the employment period for the time frame of the payment while in repayment on a qualifying repayment plan. We also recommend recertifying your employment annually. 

We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX ( ET ). 

Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX XXXX, XXXXXXXXXXXX wrote : First Name : XXXX Last Name : XXXX Message : I 'm following up on an inquiry I made several months ago. I sent you Public Service Loan Forgiveness paperwork last year. Do you have an accounting of credited payments yet? 

XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ( 8 minutes ago ) to accountinfo Thanks. I believe you 've introduced an obvious typographical error into your database. I can not have employment from XXXX XXXX, XXXX until XXXX XXXX, XXXX '. That should read XXXX XXXX, XXXX until XXXX XXXX, XXXX '. Notably, also, I have been making income-based payments to previous servicers ( XXXX and XXXX, I believe ) since XXXX. Do you not have that payment information yet?
Product: Checking or savings account

Outraged over draft fees in which my account stated in a negative status
Product: Debt collection

docx / indecomm global services fraud mortgage assignment robo signer around the county filing of shady assignments. 
. Representation was made of a material fact. 
2. Representation was untrue. 
3. Party making the representation knew it was untrue. 
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.5. Recipient justifiably relied on the representation. 
6. By relying on the untrue statement, the recipient suffered damages.XXXX 1. A false representation was made, usually one of fact. 
2. Party making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. 
3. Representation was made with the intent to induce the recipient to act, or refrain from acting. 
4. Recipient acted or did not act in justifiable reliance on the representation.5. Recipient suffered damages XXXXas a result. 


XXXX Misconduct in Other States XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXX, XXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to court.XXXX Several notaries had their licenses revoked and the XXXX Court of Appeals adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.XXXX Meanwhile, at the XXXX firm XXXX XXXX & XXXX , attorneys admitted to the same practices, supposedly to avoid the " sloppy '' practice of crossing out another attorney 's name below a signature line.XXXX Show cause hearings were held in several XXXX counties regarding the issue.
Product: Debt collection

Someone has used my name and SSN to purchase a product or service from a company called XXXX XXXX XXXX XXXX for a sum of {$1100.00} back on XX/XX/XXXX. This debt was turned over to a collection agency, Transworld System, which in turned flagged a notification with my monitoring service. I have contacted both and was told that I must file a report with my local police and file this report with you as well. XXXX XXXX was not able to release to me what method the imposter was trying to charge the debt ( XXXX, XXXX XXXX or such ). I am concerned that there are going to be more debt notifications to come from these people. The charge was placed to a residential address in XXXX Texas. I have never lived in Texas and have been at my current residence since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681. Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer 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 USC 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. 

Account Name : XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX .... 


XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXXXXXX XXXX  Account number XXXX .... 


XXXX XXXX XXXXXXXX Account number XXXX .... 

XXXXXXXX XXXX XXXX Account number XXXX ... 

XXXX Account number XXXX .... 


Account name XXXX XXXX  Account number XXXX ... 

XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX .... 

XXXX XXXX Account number XXXX 

US DEPT OF EDXXXX Account number XXXX
Product: Debt collection

I was contacted by a company known as CMRE months ago, who did not even discloses themselves to me as a collections agency ( I had to ask several times if they were a collecting on me before they responded ) and i paid them over the phone. I had never received any mail or phone calls that I had outstanding debts or was at risk of being collected upon. Several days ago they called me asking me to pay the IDENTICAL amount for the IDENTICAL bills which were already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts to be removed from report! 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A. section 2 States : it also states a consumer reporting agency can not furnish a account without my Witten instructions Also the Credit Bureaus took more than 30 days to complete my investigation! 
-- Thank you, XXXX
Product: Credit card or prepaid card

In XXXX ( XXXX & XXXX ) Two fraudulent transactions occurred on my Capital One credit card One from a XXXX for {$630.00} and {$210.00} from a XXXX XXXX both in VA XXXX. I reported the transactions to Cap-1 as fraud and called the properties directly. XXXX reversed the charges immediately. Capital one applied a credit on the XXXX of XXXX for the XXXX XXXX charge. On XX/XX/XXXX XXXX XXXX reversed their charges. Simple right? All Cap-1 had to do was make their credit go away. Instead they left it for over a month and then issued a check XX/XX/XXXX for the amount. It arrived by mail end of month. I did not cash it because my balance had finally balanced at {$0.00}. A couple days later Cap-1 called and the lady told me that the check was a mistake and I should shred it. On XX/XX/XXXX they re-posted the fraudulent XXXX XXXX charge from XX/XX/XXXX. I called them and explained the since they had me shred the check I was not responsible for their mistake and they needed to handle their zero-liability obligation. Because they errantly issued a check on my account and charged the fraud a second time, I am down {$210.00} according to their sloppy accounting practices. If XXXX XXXX contested the charge it is still their problem. Not only are they not honoring the fraud protection promised me they have stressed me to the breaking point for over two months.
Product: Debt collection

I am not liable for this debt of with XXXX XXXX XXXX XXXX, XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX XXXX, XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Debt collection

I have received multiple phone calls, text messages and random emails. I was the victim of identity theft and have been requesting my email, full name, home addresses for XXXX  years, my full birthdate, my siblings, their spouses, their in-laws to be removed from the internet. There are millions of these sites that sell personal information for {$2.00} and they deserve to be complicit in identity theft cases. They must realize who is buying this information. 

These data brokers are using public records to scam people into paying debt they dont owe. They threaten, harass and pretend to be practicing Attorneys, Court Officials and Service Processors.
Product: Money transfer, virtual currency, or money service

I am writing regarding concerns using Zelle handling of my disputes, particularly in light of the recent CFPB lawsuit with the platform. Despite using Zelle numerous of times my financial institution and Zelle refused to investigate my claims adequately. I was informed that recovering lost funds was impossible and unfeasible. The CFPBs findings indicate that Zelle has neglected to protect comers and allow repeat offenders to exploit the system leaving me vulnerable to scams. This lack of accountability is unacceptable an has caused my family a a great deal of financial strain.
Product: Checking or savings account

Wells Fargo is not sending my information to the company XXXX XXXX for me to use in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$480.00}
Product: Debt collection

RMS has contacted me about 2 student loan debts from XXXX XXXX   XXXX XXXX. One in the amount of {$6000.00} and the other around {$5000.00} ( estimating amounts ). I have attempted to call them to dispute and wrote a letter stating DO NOT contact me further about this debt as I was in a BNK CH XXXX in XX/XX/XXXX-XX/XX/XXXX and this debt was paid in full. I continue to get notifications from the collectors each year about this loan whereby once I contact them and let them know I was in BNK and the law states do not contact me they cease and decease. RMS continues to try unlawful tactics to collect on this erroneous debt. My BNK was successfully paid off and all creditors should have received notification from the US Federal Court in Texas. I wish for them to not contact me or try to collect on this erroneous debt. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XXXX XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was contacted by Date : XX/XX/2023, XXXX XXXX  Central Time Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX Someone using my name and info was trying to apply for credit. BEFORE verifying these people, they did a credit check on my credit profile. They did NOT verify the person, they did NOT ask them to submit an ID of any sort. They are legally responsible for any financial issues or credit issues that arise from their failure to verify the person or persons prior to initiating a credit report.
Product: Student loan

In a discussion regarding repayment, my processor will not allow me to apply additional payment to my principal balance ( s ). They said even if I specify, they will apply to interest.
Product: Mortgage

XXXX XXXX XXXX
RE; RightPath Servicing
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THEY TRIED TO HELP ME AFTER I TOLD THEM THAT I LOST MY JOB DUE COVI9 ON XXXX XXXX XXXX.  THEY OFFERED ME FOREBEARANCE PLAN WHICH I ACCEPTED.  IT WAS JUST LIKE A SET UP FOR ME TO LOSE MY HOME.  ON XXXX XXXX MY FOREBEARANCE PLAN WAS EXTENDED FOR SIX MONTHS THEN FOR XXXX XXXX XXXX RIGHTPATH SERVICING IS DEMANDING THAT I PAY STARTING XXXX XXXX XXXX MONTHLY PAYMENT MUCH MUCH HIGHER THAN THE MONTHLY PAYMENTS THAT I WAS EXPECTING BESIDES THE HOME INSURANCE WHICH WILL BE EXTREMELY HIGH.  ON XXXX XXXX I WAS CURRENT WITH MY MORTGAGE PAYMENTS.  SO IT JUST LOOKS LIKE WE THE PEOPLE ARE LOSING OUR HOMES IN A MASSIVE WAY.  SO HELP ME TO KEEP MY HOME BY GIVING ME AN ADDITIONAL 12 MONTHS FOREBEARANCE EXTENTION.  I HAVE BEEN PAYING MY MORTGAGE FOR 35 YEARS. RASING MY CHILDRE AS A SINGLE MOTHER. I AM A XXXX CITIZEN NOW I NEED MY HOME TO STAY.  THAK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX bank XXXX account # XXXX credit XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX : account XXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX XXXX : account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue with Equifax since XX/XX/2017. Equifax refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with Equifax. Equifax is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. Equifax uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX Account # : XXXX 2.  XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX  XXXX ( mo ) XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ). XXXX XXXX XXXX balance {$9500.00}, XXXXXXXX XXXX BALANCE {$1900.00}, XXXX XXXX XXXX BALANCE {$700.00}, XXXX XXXX XXXX BALANCE {$1400.00}, XXXX XXXX XXXX BALANCE {$830.00}, XXXX XXXX BALANCE {$440.00}, XXXX XXXX XXXX BALANCE {$420.00}.
Product: Debt collection

I have spoke with convergent outsourcing in reference to a XXXX that is on my Credit Report. I have never had a XXXX account the amount is {$560.00}
Product: Debt collection

The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). 

I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. 

Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.