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

It has been drawn out into the open that you are not hindering Items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have student loans reporting late on my credit report while I was actively in school. The student loans that are reporting late are from NC State University. The are reporting late on my credit report 90 days and 180 days late. I was actively in school during the time the time that the loans are reporting late. I was just not at NC State University during that time, but instead I was at XXXX XXXX XXXX that I paid out of pocket. I am asking that the late payments with my three student loan accounts be removed since they should have been on an in school deferment during the times they where being reported late. 
The dates are from XX/XX/year> to XX/XX/year> and the accounts are with the department of XXXX. Account : XXXX. I active in college that entire year and summer.
Product: Checking or savings account

I am writing to report what appears to be fraudulent activity on my Wells Fargo Bank account ( Account # XXXX ). It seems that someone from California has been making unauthorized transactions, specifically using my bank account information for food deliveries through XXXX. 

I promptly contacted Wells Fargo upon discovering this issue, and I was assured that the bank would refund the unauthorized transactions and take steps to prevent any further losses. However, I am deeply concerned about the security of my account and the possibility that my information was compromised either through a data breach or another form of unauthorized access. 

This incident has left me feeling uneasy, as I believe Wells Fargo should prioritize the security of its customers ' accounts and take immediate action to rectify situations involving potential fraud. 

I kindly request a thorough investigation into this matter to determine the source of the security breach and prevent any recurrence. I urge you to provide me with detailed information on the steps being taken to address this issue and to strengthen the security measures on my account. 

I understand that situations like these can be complex, but as a loyal customer, I expect transparency and a swift resolution. I have attached documents outlining the unauthorized transactions for your reference. 

Your immediate attention to this matter is highly appreciated. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I am currently being Garnished for a loan i have from Mariner Finance. I received a current Affidavit Of Balance Due. The current balance due does not reflect the balance that I paid prior to the Garnishment of {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent letters of dispute under section 623 of the FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX  : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
Product: Checking or savings account

On XX/XX/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. 

Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : CONSUMER COMPLAINT XXXX XXXX XXXX, and subsidiaries, Acct No. XXXX THE PEOPLE v. SANTNDER, CONSUMER USA ; ruling in favor of the Plaintiff ; Santander lost the class action suit and is non-compliant to federal court settlement as follows : MONETARY RELIEF 10. XXXX shall provide additional Consumer relief as follows : ( l ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding XXXX balance for all Consumers who had a loss forecasting score of XXXX or less and. as of XX/XX/XXXX. XXXX have Defaulted but have not had their vehicle repossessed and ( XXXX ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of XXXX or less who defaults in the future. 
XXXX. XXXX shall provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief Per12 CFR 1022 " Fair Credit Reporting ( Regulation V ), I have provided copy of the settlement and court rulling to demonstrate to Experian may no longer allow XXXX to file negative reports on my credit report. XXXX was mandatd by federal court to : ( XXXX ) waive 100 % of the total debt ; ( XXXX ) Discontinue reports to Experian, XXXX, and XXXX XXXX XXXX XXXX ( CRAs ) ; ( XXXX ) Provide title to the car. 

I have submitted a dispute and copy of settlement with the CRA 's to discontinue negative reports on my credit. Experian has refused to discontinue unfair and inaccurate infomation and would not provide written exlpanation.
Product: Student loan

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Misconduct by XXXX XXXX XXXX is well known and documented. I received notice from the Department of Education on XX/XX/XXXX that my XXXX student loans associated with that school would be XXXX due to misconduct ( that letter is attached, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evidence XXXX ). 
I also have a private loan with Navient for XXXX XXXX XXXX. Navient has a program to discharge these loans based on school misconduct. As XXXX XXXX XXXX 's misconduct is well known and documented, I submitted a School Misconduct Discharge Application to Navient, with over XXXX pages of evidence. I've included the personalized attachments here as well as the itemized list of attachments I included with the mailed package. My application was received by them on XX/XX/XXXX, according to the post office. 
On XX/XX/XXXX I received a letter in my Navient inbox stating my application for discharge due to school misconduct is denied. The reason given is that my loan type ( XXXX XXXX ) does not meet the criteria for this program. 
The facts are, this loan consolidated XXXX loans, both of which were loans for XXXX XXXX. Navient is the holder of this loan. The XXXX loan was disbursed for XXXX XXXX. XXXX XXXX has well known and documented misconduct, so much so that the Department of Education shut them down in XXXX. There have been myriad successful lawsuits against XXXX XXXX further proving their misconduct. What does my loan type have to do with this? The facts remain the same. The loan type does not change any of the underlying facts. The XXXX XXXX absolutely applies here. 
XXXX XXXX XXXX steered me toward these loans. Navient now holds the loan. XXXX XXXX was found to have committed gross misconduct and closed down. That the loan is a XXXX loan does not apply.
Product: Mortgage

There is an apt quotation from XXXX : he that filches from me my good name robs me of that which not enriches him, and makes me poor indeed. I shutter to even imagine what damage the mess described below has already done to our good name, ' to say nothing about the many days spent trying to resolve the problem and countless hours of worry about it. 

The JPMorgan Chase mortgage in question ( # XXXX ) is on our second home in XXXX XXXX, New Mexico - purchased in XXXX. The mortgage payments have been made each month from XXXX XXXX XXXX ( XXXX ) Acc # XXXX xxxxxxx, frequently with significant additional payments to principal - probably paying the debt several years ahead. 
The problem began on XXXX XX/XX/XXXX and continues to this date ( XXXX XX/XX/XXXX ). During this period, I have often been out of town when the mortgage payment needed to be made. ( Remark- we are at an age when the terminal illness and death of friends and family are all too common ). Attempting to sign-in on the Chase website from my XXXX XXXX, I would receive a message that the 'Chase computer ' did not recognize my computer although that very same computer has been used exclusively to make the payments for several years. Since I was not at home to receive the code sent to my home phone, I resorted to phoning the banks customer service, eventually reaching someone who could process a mortgage payment by phone. 
In the following months, the payment was NOT credited to the account : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX. In most cases I was able to provide Chase the confirmation number for the payment. In the following months, XXXX, XX/XX/XXXX the payment was made directly by XXXX, but the payment was REFUSED by Chase and the funds returned to our account. 
I made multiple efforts to resolve the problem from the time I discovered it - specifically making a double payment in XXXX and XX/XX/XXXX ; and sending a hand written check ( directly to XXXX XXXX, Chase CEO ) with a double payment in XX/XX/XXXX. 
On XXXX XX/XX/XXXX, we received hand delivered documents at our primary home in XXXX, OH that a foreclosure had been filed on XXXX XX/XX/XXXX at a court in XXXX XXXX. 
As the attached documents will show, the apparent problem with the phone payments was that the 'leading zero ' of our XXXX  account was omitted in the electronic transmission from Chase to XXXX. I can not suggest the reason for the recent two payments being " rejected. '' Both I and my husband are in our XXXX 's and this is a situation beyond humiliation to us.
Product: Checking or savings account

This bank is crazy I feel discriminated based on my XXXX I cant XXXX  and they refuse to take care of me and this horrible experience I didnt know they offer checking online and I applied but their system is unable to verify my identity when Im entering in my correct address and information when I call they dont do anything horribke bank they should be requesting documents and opening my account manually they rather treat me like this as a new customer what ashamed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries reporting on my Equifax report. Ive contacted each company and Ive also contacted Equifax several times regarding the issue. And they have yet to resolve the issue. I would like all non account holding inquiries validated. If they can not be validated, I would like them deleted from reporting immediately.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal Law. 

According to 15 usc 1681e ( b ) it states this ( b ) Accuracy of report Whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking the laws as well below. 



According to 15 usc 1681i ( 5 ) its states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

The debt collector, Capital Accounts XXXX XXXX XXXX, TN is attempting to collect an alleged debt from me. The original creditor is referenced as : XXXX XXXX XXXX of  XXXX NC for {$930.00} Acct XXXX On XX/XX/XXXX, I received an email from XXXX XXXX that I have never been a patient at that facility, and they have no medical records for me. XXXX XXXX XXXX has only been in business since XX/XX/XXXX. The debt is being reported having a date of last activity of XX/XX/XXXX. 

The information reported across the three credit bureaus is fraudulent since I have never been a patient of XXXX XXXX  XXXX. I would like this record on all three credit reports deleted.
Product: Debt collection

I am receiving harassing calls from XXXX which claims to be Contract Callers, a debt collection agency. They say I owe XXXX XXXX over {$2000.00} and they want me to make a payment. I have a XXXX XXXX account and my limit is XXXX what they say I owe and I pay my XXXX XXXX card minimum payment every month. Furthermore, I check on my credit report every month using XXXX XXXX and there is no such outstanding debit. 

Please help me. They are calling my cell phone while I am working. How can I stop these harassing calls?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor EQUIFAX written permission to furnish this account. 

Account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, my student loans with FedLoan Servicing were transferred to XXXX pursuant FedLoans contract termination with the federal government for student loans. When FedLoan transferred my loans, rather than adhering to the Department of Educations guidance that student loan accounts should be designated as transferred rather than closed, FedLoan reported my account as closed, resulting in a 73+ point drop to my credit score. This significant drop caused exclusively by the way FedLoan reported the transfer has serious ramifications on my ability to make purchases requiring the use of credit. Because FedLoan is no longer operating as a student loan servicer and no longer has access to any of my accounts, I can not raise the problem with them directly.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Double charges XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX completed payment XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment for XX/XX/XXXX XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment We've explained that we can provide bank statements showing the money taken out to which we were told they have recorded conversations of my husband or myself calling in to cancel the payment. When we asked them to provided that ( it isn't true ) they began talking over us and saying it was our banks fault.
Product: Credit reporting or other personal consumer reports

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX. I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( EFX, XXXX, XXXX ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report due to a data breach incident. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have any fraudulent information resulting from identity theft removed from my credit file. 
Please take prompt action to block and delete the following accounts and inquiries from my credit report : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX