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

I regret to inform you that the fraudulent items remain unresolved. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. Despite my prior attempts to address this issue, The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately investigate and remove all fraudulent items from my account. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the fraudulent items have been removed and my account has been corrected. 
I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/year> XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my Experian credit report that are erroneous. They are from : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX These are medical collections that are not valid. I don't even know what they are doing there. I have no clue what they even are. I want them removed immediately.
Product: Money transfer, virtual currency, or money service

I am filling against cash app ( block in ) due to inadequate customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, Equifax, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. 

Despite my repeated attempts to rectify these issues by reporting them to the XXXX XXXX XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 

This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. 

I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Publishing collection account information on my report that's a part of identity theft. XXXX, and Experian.
Product: Student loan

My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX  and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!
Product: Credit reporting or other personal consumer reports

Phoenix recovery has inaccurate dates, balance. They also I have the rental property showing as a loan. It was a rental home not a loan. I have contacted them and they refuse to help me the information listed on my credit report from them has limited my progress moving foward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

As Of XX/XX/2024 LVNV FUNDING * CAN NOT provide me with sufficient documentary evidence that I have any legal obligation to pay them. AS OF XX/XX/2024 I ASK If this documentary evidence ( STILL ) can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations. rESURGENT/LVNV FUNDING CAN NOT PROVIDED THE DOCS FOR COLLATERAL THEY PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. RESURGENT/LVNV FUNDING ONLY PROVIDED STATEMENT/COPY OF BILL FROM BILLING OF XXXX XXXX XXXX, THIS DOESNT PROVIDED DETAILED INFORMATION THAT I HAVE AN DEBT OWED TO RESURGENT/LVNV FUNDING AND INCLUDING THIER SECURITIES AND COLLATERAL THEY DID NOT PROVIDED ON THE BEHALF OF THE ALLEGED DEBT. AS STATED RESURGENT ON BEHALF OF LVNV FUNDING VIOLATED FDCPA LAWS THE THIRD PARTY FRAUDLENTY SHARED MY INFORMATION WITH LVNV FUNDING TO FURNISH ALLEDGED DEBT ONTO MY CONSUMER REPORT WHICH STRICLY VIOLATES 15 USC 1681 602 states I have the right to privacy. 

1692e. False or misleading representationsA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt Identity theft - meaning a fraud committed or attempted using the identifying information of another person without authority. It should be clear now that these items were added to my consumer credit report without my written consent and this is a case of Identity Theft. 15 USC 1681c ( 2 ) Blocking of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in a file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not latter than 4 business days after the date of receipt by such agency.
Product: Vehicle loan or lease

This is a complaint against Santander USA that should be off my credit report nothing to do with the other complaint I just put in. Santander was a repo back in XX/XX/XXXX why they are not off my credit it has been long enough and they don't own the car that was report I want Santander removed from my credit report!! It's got a ton of mistakes on it I have XXXX  that I pay for and XXXX! This is bull I was not included in the XXXX XXXX dollar settlement? They were charging me back in XXXX 22.75 % interest rate and it was a term for 74 months at a whopping XXXX $ a month it's old they don't own the car anymore? They put XXXX charge offs on my credit I have worked hard building my credit I one wants to help me look into this? Please help me. This was from XX/XX/XXXX thru XX/XX/XXXX and they don't own the car a ymore?
Product: Mortgage

This is the second complaint that I filed on this issue. The first complaint was filed on XX/XX/2021 and the ID for this complaint was XXXX. After my first complaint was settled Mr. Cooper is insisting on charging me a fee of {$97.00} for " Lender paid expenses ''. I have called every month since the initial complaint was responded to for an explanation of this fee and none of their customer service representatives were able to explain it. I have asked for this fee to be removed multiple times and the customer representatives tell me that they will help resolve this but nothing is ever done. Every time I call for an update the process has to start over because this disreputable company keeps no records of this complaint. 

Since they refuse to explain or remove this fee I can only assume that this fee is in retaliation for the first complaint that I filed against them. I need help to get them to take this matter seriously and actually address the issue instead of ignoring the problem. 

Also from the first complaint I never received a clear breakdown of how the escrow amounts and late fees were refunded. Due to this companies unprofessional behavior I am concerned that I was intentionally shorted on my refund.
Product: Credit reporting or other personal consumer reports

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement 2. Proof XXXX XXXX XXXX XXXX authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. 
XXXX. The 1099c, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that Professional Credit Management " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Product: Debt collection

Debt collector continues to collect debt that is not mines from over 7 years
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to identity theft. As a victim of a recent data breach, I have reason to believe that the accounts and inquiries listed below were fraudulently added to my credit file without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted to protect my credit profile from further harm. 
Accounts to Be Blocked and Deleted 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 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 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: Student loan

Past due balance that they are not willing to help me with, call me up to 7 times a day starting at XXXX  sometimes and ending at XXXX. Today they have started calling distant family members who I haven’t talked to in years. This is beyond harassment!
Product: Student loan

Nelnet became my loan servicer after the XXXX moratorium. When the moratorium ended, they sent me a reminder last summer and offered loan repayment options. I applied for income-driven repayment in the summer but because they could not process it timely they placed a forebearance on my account. Later they told me repayment would commence in XX/XX/XXXX and then changed in to XX/XX/XXXX. I sent in the first payment of about {$250.00} which they said would be my monthly repayment. Towards the third week of XXXX, I received email from Nelnet and then XXXX  that my account was overdue. I went to the account and saw that it was credited with the amount I sent. I called Nelnet on XXXX XXXX and spoke with someone after being kept waiting for more than one hour. When I asked what was my monthly repayment amount, she said it was {$1000.00}. I told her I was told it was {$250.00}. She looked into the account and agreed with me. When I asked why my account was still showing overdue payment when they had received my payment, she looked into the account and said the amount was not correctly applied and it would take two months for that to be fixed. She said the only option for me to stop receiving the overdue notices was to ask for a forebearance until the error on my account was fixed. I asked for the forebearance which she said was processed. Becuase I did not receive any communication confirming the forebearance, I decided to send in the payment for XXXX. My account it still showing payment is overdue. My wife is also experiencing the same problem with Nelnet. They have changed the amount she is owing.
Product: Debt collection

I have told portfolio recovery that i don't owe them anything as I never opened an account with them and to stop calling my phone. They said I will be sued for the unpaid debt whih is illegal.
Product: Debt collection

XXXX has shown up on my credit report for the last 4 years. It states I had an emergency room visit in XXXX of 2015 and that my insurance did not cover the cost. Which is {$460.00}. I have contacted several different people within the XXXX network of XXXX ohio and no one has an outstanding bill for me. Or a record of the visit. I do not recall seeking emergency treatment at that time, and if I had I have had health insurance for XXXX solid years. I have disputed this account with XXXX with equifax, XXXX XXXX, and experian, as well as the bbb. Their only comment when I contacted them was that since it shows on my credit report, I owe. I have not received a formal XXXX from any hospital or health insurance claim. 
And I do not believe XXXX is handling this situation In the correct way. This is destroying my credit, and is highly inaccurate. The dates, amounts, and place are not right. And no one has been able to tell me exactly what I am Being charged for.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information across all three credit Bureaus, They are reporting names, addresses and phone numbers inaccurately. 
I reach out to all three Credit Bureau with the right information with copies of my Drivers license, social security card and a credit card statement.
Product: Checking or savings account

I believe Wells Fargo violated laws in how it handled my complaints regarding fraud on my checking account. 

I was XXXX  in XXXXXXXX XXXX. After that, I suffered theft from my home, including electronic devices previously used to log in to Wells Fargo online. Someone fraudulently transferred tens of thousands of dollars from my account. I reported the transactions immediately upon discovering the fraud and a police report was made regarding many stolen items. 

In previous Consumer Finance Protection Bureau complaints, I specifically said I was XXXX and therefore could not possibly have had access to my phone or any other device to make transactions and had not authorized anyone to take any action on my accounts. Despite this, the final answer from Wells Fargo was denial of my claim, explaining that because they believe the transfers apparently happened while someone was logged into the bank portal on my device ( even though it was stolen ) they decided it was me or someone authorized by me to make the transfers. 

I believe Wells Fargo has violated laws in two ways.

First, if someone steals a device authorized to access a bank account, then transfers large amounts of money out fraudulently, but the bank fails to contact the consumer to verify the sudden, unusual transaction activity, the bank may have violated the Electronic Fund Transfer Act ( EFTA ) and/or state law.

Under the EFTA, banks are required to have pr
ocedures  in place to protect against unauthorized transactions. These procedures include requiring customers to provide identification before making large or an unusually large number of transactions, or contacting customers to verify large transactions. If a bank fails to have these procedures in place, and as a result, a customer loses money due to unauthorized transactions, the bank may be held liable for the customer 's losses. Wells Fargo allowed tens of thousands of dollars to flow out of a relatively new personal bank account with no prior history of making so many large transfers without ever contacting me or asking me to come to a branch to prove it was me making these transactions, which I could not have done at the time since I was XXXX If they had, I wouldn't be in this situation now. 

Second, regarding Regulation E, the Consumer Finance Protection Bureau explains, among other things, that " Unauthorized EFTs include transfers initiated by a person who obtained a consumers access device through fraud or robbery and consumer transfers at an ATM that were induced by force. '' I have explained and sent proof of my incarceration dates, during which I had no access to any devices and was not contacted by Wells Fargo at any point to verify that it was me making these large transactions, and I have provided a police report regarding my phone being stolen. Still, Wells Fargo decided these transactions were authorized. This is impossible, contrary to the claim and evidence, and I believe their subsequent denial of my claim is in direct violation of the EFTA and one or more parts of Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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