23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I dont know the exact date that nelnet paid my loan off in full XXXX on XX/XX/year> is when XXXX XXXX received this for XXXX on a XXXX. So I contacted XXXX XXXX to find out why are they trying to collect a debt that has already been paid and theyre not the original lenders of the loan and ask are theyre committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous request was closed as duplicate!!! It was not resolved!!!! THIS DEBT DOES NOT BELONG TO ME! XXXX reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX  and XXXX  now refuse to delete from my experian credit report account!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Accounts Appearing On My Credit Report Remove Immediately. 


Accounts 1. XXXX 2. XXXXXXXX XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided.
Product: Mortgage

The Cares ACT has been extended Wells Fargo is charging late charges when they are supposed to be waiving them while the COVID period is in place. I have been impacted by COVID I make the payments on the account but they are being made late due to COVID.
Product: Debt collection

Yes I have repeatedly asking Midland credit company not to call me, for I have no income, at this time and they can continue to call me at all times of the morning and or night repeatedly and I want it stop. I am currently on short term XXXX because I am XXXX with my XXXX and these calls only causes my XXXX to escalate further. The man name is XXXX and is calling from XXXX XXXX and I want this company to stop it. Also I am receiving consistantly calls from Minnesota at XXXX XXXX that I want to stop. Calls from Arizona XXXX XXXX, XXXX FL XXXX and XXXX FL XXXX XXXX, I know this is this same credit card company attempting to contact from different locations. I want this harrassment to stop.
Product: Mortgage

I,  XXXX   XXXX  file this complaint as my right under the Fair Debt Collection Practices Act have been violated pertaining to an offer to modify a mortgage. Under a stipulation of this act from  XXXX   XXXX ,  XXXX , I must be offered a modification package, and it does not matter if the property is owner-occupied or an income property. The fact that we discovered a modification package was mailed to me in  XXXX  of  XXXX  proves that the mortgage servicer known as Nationstar Mortgage offered this modification as  a Tier II  program proves that multi-income properties are part of all national bank modification programs. I never received this modification request as it was mailed to a post office box I dis-continued in  XXXX . Nationstar Mortgage had to get the request back by mail if they indeed sent it. At all times Nationstar Mortgage knew my home address as  XXXX   XXXX   XXXX ,  XXXX , New York  XXXX . I have recently hired a law firm known as the  XXXX   XXXX   XXXX  to do my modifications on all my properties. I was able to procure a modification on my personal resident through this law center. Now my second home is scheduled for a foreclosure for  XXXX   XXXX ,  XXXX . I have no other remedy but to file for a personal bankruptcy to prevent this foreclosure from happening. Rules are now being enforced through the Consumer Financial Protection Bureau pertaining to the numerous vi olation of mortgage servicers on foreclosure protocol. I still have an open claim for principal reduction with the Office of Inspector General Federal Housing Finance Agency that  could eventually structure my mortgage debt within reasonable properly value. However, my rights have been violated by Nationstar Mortgage in its entirety. Accordingly, I make this request for intervention by the Consumer Financial Protection Bureau to enforce the recent mandates by said agency with   XXXX   XXXX   XXXX  . I was never offered a modification, and the matter should be resolved through the  XXXX   XXXX   XXXX . Accordingly, I demand that a modification offer be mailed to my home address or emailed to  XXXX  XXXX  XXXX . I believe that I am well within my rights on this request.
Product: Credit card

I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.
Product: Debt collection

I had a gym membership to XXXX XXXX fall of XXXX in XXXX. I cancelled the membership and moved to XXXX. I have a year worth of debt collections for a year membership and I 1 ) cancelled the membership because was not in the same state and more than 2 hours from any XXXX XXXX 2 ) the membership they are charging me for was for XXXX and was during COVID and all gyms were closed I have tried to contact the original gym in XXXX, the corporation of XXXX XXXX, and the debt collectors and have called all of them more than 50 times and I am not getting responses. Either playing phone tag or no calls back after leaving voicemails. I am extremely frustrated and want to get this figured out because it is effecting my credit score
Product: Student loan

I reached out to ECSI via their contact us page 3 times and each time they closed out my request. I'm currently living and studying abroad and when I alerted the company ; instead of correcting my credit report as current and deferred, they closed all 3 cases. I live abroad and it is impossible with the time difference to contact them. During this pandemic is my school even completing any forms to show enrollment. What this company is doing is illegal, i even asked for a supervisor and instead they closed my request. 

XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX
Product: Bank account or service

The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will
Product: Credit reporting or other personal consumer reports

This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for XXXX XXXX  and there are several XXXX XXXX accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

Hi my name is Sincere XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I was informed about the security breach suffered by Equifax. Per several news articles, Equifax apparently suffered this breach in XXXX, and I was not informed by the company of this breach. I only learned about it via secondhand sharing of a news article regarding the breach. Equifax has yet to inform me of the damages suffered or the causes of the breach by any means ( physical mailing/telephone message/email ), or that it has even occurred. 

I feel that Equifax failed to perform its due diligence in keeping my records secure after I suffered a previous security breach via the IRS, and it has failed to inform affected victims of the breach in a timely manner. 

Please accept this complaint as a censure of Equifax 's operations and leadership, as news articles report several of their higher placed corporate officers stand accused of moving stock after the breach but before reporting the breach 's occurence.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX  XXXX - XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

IQ Data International is falsely reporting ( to all three credit reporting agencies ) a debt that is not owed and attempting to collect that debt. Their client ( XXXX XXXX ) has written a letter, on XXXX 's letterhead, noting they have no record of such debt. I sent a request for validation, and it was received by IQ Data Int. on XX/XX/XXXX, and a copy of the XXXX letter was sent along with that ( and again on XX/XX/XXXX ). IQ Data Int. has not provided any response to said letter to date. XXXX XXXX XXXX. confirms that they have no, and have not asked for from their client, any documents that would validate this debt ; rather, computerized communication is used to " validate the debt ''. Despite the letters and phone communication with IQ Data International, they refuse to make any effort to confirm the debt, beyond a computer survey, and hold no documents that verify that I am the intended debtor and/or that the debt is legal/owed in any way.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of Items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX ; XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX .
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation und the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with m experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/year> -- {$300.00}
Product: Credit reporting or other personal consumer reports

I have checked my credit report and discovered a few fraudulent accounts on it, XXXX XXXXL XXXX opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and fraudulent hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal data was exposed. Detailed information, fraud becsuse of the data breach
Product: Money transfer, virtual currency, or money service

I deposited a check to my bank Wellsfargo, it was mailed to my house as payment for renting a room from the person who committed the fraud. The check was credited to my account for MULTIPLE business days. The check itself was an overpayment of funds to me, so I asked this person who I know find out to be a criminal, how I can get the excess funds back to them. He gave me a XXXX account to use, then I sent the extra money that they overpaid. Right when I do that, within the hour, the check conveniently bounces and is reversed by Wellsfargo. When I called them yesterday they had no answers to me as to why the check was reversing, they told me I would have to call back in the morning. I called them today and they said it was a bad check. They are not taking any responsibility for the days the check was credited to my account, which it should not have been if it was a fraudulent check. And I'm unable to get the XXXX  funds back to my account as the fraudulent person has blocked all communication with me. 

I have pictures documenting all transactions and statements from wellsfargo. I was going to file a policy report but was told it is not worth my time. The amount was for {$5900.00}, it was deposited Sunday afternoon XX/XX/22. This transaction reversed yesterday XXXX in the afternoon, right after I XXXX  this criminal roughly half the amount from the check because it was overpaid the check also got reversed. Wellsfargo is saying that it was not there fault the check was fraudulent, but this cant possibly fall on the consumer to know what a fraudulent check is. They should be held responsible for crediting my account for days on end with a fraudulent check. They are a billon dollar banking institution, how can they not have systems in place to protect their customers in a timely manner. I now have a negative account balance of over XXXX dollars and they essentially wont do anything about it.