23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,
Product: Credit reporting or other personal consumer reports

MOHELA continues to report my balance x2 despite and XXXX refuses to do anything about it. As of XX/XX/year>, they claimed to have resolved my dispute, but upon checking my credit report on XX/XX/year> the extra account is still there! 

If XXXX were to contact MOHELA regarding my *correct* balance, this issue would have been long resolved -- but it is clear at this point that this is too much work for XXXX. I will continue to file complaints to the CFPB until this is removed as it is causing me financial harm. Anyone else experiencing similar issues should continue to file these complaints against MOHELA and XXXX. I am considering contacting a lawyer regarding a class-action suit as there are thousands of other MOHELA account holders experiencing this same thing.
Product: Debt collection

I do NOT recognize this alleged debt from XXXX. Is that the XXXX XXXX Acronym? 
I have NOT had this account ; I do NOT owe this debt. 
I have NOT been notified by the Debt Collector I owe this UNtrue debt. 
It is impacting my good Credit file negatively & Unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is the creditor for two ( 2 ) of my accounts pertaining too auto loans. Bridgecrest has failed to properly update the status of both my accounts to all three ( 3 ) credit agencies.
Product: Mortgage

On XX/XX/18 I XXXX XXXX sent demanded letter to Select Portfolio Services inc demand to see the mortgage note, therefore, request under the statue that you provide the note wet ink in its present condition for our viewing till you provide evidence that you are agent of the note owner that is party legally being the person entitled to enforce under MGL chapter 106 the statutory version of the uniform commercial code Select Portfolio told us if we want to see the note we have to buy airline ticket to XXXX XXXX XXXX Ut All we demand so that we may schedule for our expert to view the wet ink note please assist us in any way you can resolve these issues
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX  I initiated the services of Lexington Law Firm, Credit Repair Company, to challenge a 'late payment ' blemish on my credit report. Lexington Law purposefully implements stall tactics in order to charge the client over long periods of time. In the case details, the case sometimes stalls for months at a time in a status they call 'analyzing response '. This is their verbiage and tactic for stalling the case in order to lapse time in order to apply more charges to the client. I did ask for a reembursement of the money to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and would like the following items deleted from my Transunion credit report. 

XXXX XXXX {$1400.00} XXXX  {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Finance charges applied to account when I had signed up for free financing for purchase of computer. Also automated bill pay does not work and no customer service representative picks up forcing consumer to pay late fees. Very disturbing. Finally got one " XXXX '' who advised lots of consumers were complaining about this. Advised her I was making a complaint. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Collection Account Under Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 



Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. 



Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. 



Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. 



Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. 



In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. 



I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. 



Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

The company XXXX has charged my Wells Fargo account for a significant amount for which I did not authorize. I spoke with them and they said nobody was on my account and it was not a joint account. Upon speaking with Wells Fargo, they said it was a joint account and the other person was making the transactions. This is fraudulence. Speaking with Wells Fargo has been very difficult, they sometimes can not locate the claim. I would like professional help with this case.
Product: Credit reporting or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS , INC. has falsely reported an active date for a credit card account that I have had closed with their company. The " active '' date has been falsely reported for over XXXX  months on my credit report, which as the true final active date of the account in mention was in the month of XXXX, in the year XXXX
Product: Credit card

I paid off my credit card and per the disclosures I had there was no fee for not using the card. I couldnt use the card if I wanted to. The card did not work. 

I called to cancel my card after I got notice I owed {$12.00} for not using my card. I was notified my card had a block on it due to them not receiving photo ID from me. I was never notified that they needed this. They are adamant they sent me notice but I strongly disagree. 

There is something wrong with this. This is a violation of XXXX XXXX XXXX in lending since they are citing disclosures that were not provided to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XX/XX/XXXX {$970.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

This is being sent in response to notices sent to me from " Credit Protection '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Product: Credit reporting

Victim of fraud - criminal has been prosecuted and is serving a sentence for this crime. Even upon submission of supporting documentation credit reporting agency refuses to delete the incorrect negative information
Product: Debt collection

I have consolidated my student debt with the XXXX XXXX XXXX. I have notified Navient, and XXXX XXXX that I have consolidated, and they continue to call me an average of XXXX times per day. I have XXXX asked that they stop calling me, but the calling will not stop.
Product: Debt collection

My wife and I found out that this company the XXXX XXXX XXXX sued me back in 2018 for a XXXX XXXX credit card debt twice and won the suit in court. 
One was dated XX/XX/2018 for {$2600.00} attorney XXXX XXXX XXXX The second one was dated XX/XX/2018 for {$3500.00} attorney XXXX XXXX XXXX Our home is paid off we went to go take a home equity loan out the title company found that the XXXX XXXX XXXX had put a ding on our title for these two amounts so we immediately got in touch with XXXX XXXX XXXX the first part of XXXX  to see if we could get some information and was told by that company they did not give any information over the phone it had to be emailed. We gave them the email to send the information to and lo and behold we are 4 weeks later and still do not have any kind of payoff letter any kind of documentation they will not talk to us on the phone anymore. Our loan company will not process our loan without this being cleared up we've tried everything we could to either pay it or dispute it to no avail. I filed a XXXX complaint a week ago they have not answered that so this is the next step. If they do not answer this I will be filing a TXXXX XXXX complaint against XXXX XXXX XXXX XXXX number. I just want this cleared up as soon as possible.
Product: Debt collection

I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail
Product: Money transfer, virtual currency, or money service

There were three Unauthorized transaction performed by JP Morgan Chase on my account on XX/XX/18, XX/XX/18 and XX/XX/18. The money were sent to XXXX XXXX without my permission and knowledge, Bank owes me my {$24000.00} I reviewed page 21 of Deposit Account Agreement, under section E, titled In case of Errors or Questions about YOUR Electronic Fund Transfers, it does not apply to this transactions because they were not MINE. If it was mine it would apply to my case, but transactions were not mine, I was not aware or authorize these transaction in any way shape or form. Account was mine, money were mine but actions were by JP Morgan Chase. 
This section applies to the case if I sent {$8000.00} instead of {$80.00} or changed my mind. This is not a case, I did not send my money to XXXX XXXX, the money were sent without my permission or knowledge. 
Claim handler XXXX about whom I complain. I is very unprofessional in handling my claim, first of all he has no idea how alerts work, second stubbornly treats transactions my account as they were MY transactions, while those transactions are all done UNAUTHORIZED without my knowledge, but on my account, thirdly he is never at his desk or never pick up his phone. Left him a message for 12th time. How can I defeat this tremendous bureaucracy and get MY money stolen from my account???

Also I am in possession of two checks {$6900.00} and {$8000.00}, they are issued in the name of closed and nonexistent account, my instructions were to deposit my money to my other related business account. The checks are good only for next 10 month, I am retired and living in XXXX, have no plans to visit US in the next 10 months, so money supposed to be deposited according with my instructions to my other business account XXXX XXXX XXXX. {$6900.00}, {$8000.00} and {$24000.00}.
Product: Checking or savings account

Account opened in XX/XX/2023 Real paycheck transfer over XXXX XXXX from my company ( XXXX XXXX XXXX company ) Called in XX/XX/2023, XX/XX/2023, a first manager said the bonus was " on his way ''. Called again a few weeks later, I talked to a manager ( XXXX XXXX ), he asked me to send the proof of paycheck on his email. I sent it. Never got any answer. Looks like very SHADY this way when we see the company name on the statement! 

I called the customer service again, that looks to be outside of the country and they keep repeating that i should get the bonus ( {$300.00} ).
Product: Debt collection

I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is Portfolio Recovery Assoc. 

Thank you for your assistance in this regard.
Product: Debt collection

I C Systems is unable to provide me with exact services and or the nature in which my debt was incurred as i did not recall the agreement they informed me i was in debt for being a patient at XXXX XXXX so i immediately asked how IC Systems was able to verify or provide verification of me being a patient or services rendered without this being a violation of HIPA law which is suposed to provide doctor patient confidentiality. I am requesting IC Systems remove my debt from collections and all three credit agencies or i will be seeking legal representation and filing a civil law suit against the reporting creditor as well the debt collection agency IC Systems.
Product: Debt collection

On XX/XX/2024, I received notification from the credit reporting agencies that a collection account was added to my reports with them without mu knowledge of who this company is. I never received anything in writing through the USPS to be able to dispute, seek validation and equitable claim.

this company has dropped my credit scores by XXXX points with the 3 credit agencies.

The original company XXXX was audited by the IRS and charged off this amount that was filed with the IRS. 

They are in violation of XXXX XXXX and reporting requirements to report to the credit agencies of submitting writing proof through mailing to the credit reporting agencies first before they could use the electronic scoring and reporting system. 

I've filed a XXXX and XXXX against both the collection company and XXXX with the IRS.
Product: Student loan

- XXXX XXXX started school  with approved $ XXXX loan. 
- XX/XX/XXXX paid back first $ XXXX, $ XXXX interest was refunded to me due to quick payment. 
- XX/XX/XXXX paid remaining XXXX, loan bought to {$0.00}. 
- XX/XX/XXXX Called student loan provider due to communication on student loan forgiveness being distributed by media, they stated I qualifed for student loan forgiveness based on payment made in XXXX Info given on money being sent to me via mail or direct deposit. Requested for mailed check for paper trail. 
* no communication on ramifications or parameters for this money at this time. 
- XX/XX/XXXX received $ XXXX direct deposit into my account, called XXXX to confirm where deposit came from, they stated looked like form government, first calling student loan provider could not get through, multiple hang ups. 
- XX/XX/XXXX received an email stating I have a monthly statement for payment due on XX/XX/XXXX, called student loan provider to rectify. 
- XX/XX/XXXX called again to get info on this email I received and what they can do as I don't have a loan, I was advised I'd receive email with a link to file a complaint, no email received. 
- XX/XX/XXXX called again and was told I could file a complaint with her verbally and I did, nothing sent in writing to me. I was told someone would contact me on XX/XX/XXXX. 
- XX/XX/XXXX called back again due to no communication, I spoke to 2 ppl, customer service and supervisor repeating that I had a loan that needed paying and I received a refund not student loan forgiveness and need to pay it back with interest, asked why I didn't receive direct communication on the circumstances, told it was send to my student loan provider account digitally, I didn't check it as I don't have a loan outstanding. I requested for phone call to be pulled on the day I called asking for student loan back in XX/XX/XXXX. 
- XX/XX/XXXX they finally call me back to say must pay back loan and the refund is now a loan that must be repaid and I can request for an advocate to further discuss. I was told it would be implied that my refund would be a loan that needed repaying. I clarified that I request for student loan forgiveness not a refund or loan. I did request but haven't received any writing communication on anything as any point in time over the last month on my requests for rectifying. 

Note : - Lack of transparency on refund not forgiveness. - Did not explain refund parameters instead of forgiveness, nothing esle told to me and nothing in writing of the conditions of agreeing to refund or any parameters for it to be repaid as a loan.