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

After their huge credit breach, exposing all of my personal information, I used the links on their confusing website to set up their free credit monitoring service as advertised on their site and the national news to protect their customers from THEIR credit breach. I followed all steps and instructions and still have not received anything from any type of credit monitoring services, so my personal information remains unprotected because of their lack of security. Now I am exposed to anything and anyone who wants to use my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal XXXX credit score had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to Experian. About a week later, I received notice that my dispute had been completed and that the creditor ( XXXXXXXX XXXX XXXXXXXX, XXXX ) certified that the information is correct. I called Experian and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.
Product: Debt collection

As a cosigner for my children the Credit reporting agencies have or keep reporting late payments when my son ( XXXX ) has reached agreement through Chapter XXXX Bankruptcy and my obligation as a Cosigner has been removed from these private loans through the fifth District court in Minnesota through a Stipulation of dismissal without Prejudice to the XXXX XXXX XXXX XXXX XXXX a XXXX. Another was filed in California since my son lives there.However, I have been unable to effectively contact the credit reporting agencies as they just are not interested. Please keep in mind that I 'm a XXXX permanately XXXX Veteran .My credit scores indicate I have missed payments relative to my sons school loans when ( in fact ) Navient is still posting and they do n't realize I do n't miss payments period on anything..the record speaks for itself!!!
Product: Credit reporting or other personal consumer reports

The company wrote off the debt I think I should have gotten a 1099c but they instead want to continue to file it as a loss every year to obtain money I believe
Product: Credit reporting or other personal consumer reports

I Reviewed my credit profile and noticed some hard inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I was served with a complaint in the Eleventh District Court in the State of New Mexico from Plaintiff XXXX XXXX XXXX claiming that I incurred a debt with XXXX Bank and that XXXX XXXX XXXX were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXXXXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no XXXX XXXX interactions. 

**I have a serious XXXX XXXX and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from Rausch Strum LLP stating that THEY are collecting the debt for XXXX XXXX XXXXXXXX XXXX This is after XXXX XXXX XXXX filed a suit against me and their attorneys are listed as Rausch Strum so who is on first, XXXX  or Rausch? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent Rausch Strum, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of XXXX  against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!
Product: Consumer Loan

I have leased XXXX XXXX vehicles from XXXX over the last decade and have never had an issue. My XX/XX/XXXX XXXX XXXX lease is complete on XX/XX/XXXX. I only used XXXX mile of my XXXX mile lease and my vehicle is in perfect condition so it is worth more than my residual payoff balance is {$22000.00}. I decided not to purchase another XXXX vehicle because of poor service and was offered {$24000.00} for the vehicle as a trade in. However, the payoff quote issued to the dealer was {$25000.00} when my contractual payoff with XXXX if I purchase the car is only {$22000.00}. I have been told that XXXX is the only brand that has this practice to prevent customers from purchasing brands other than XXXX. I can not believe that they would treat their customers so poorly in order to make a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following banks or financial institutions have ran my credit giving me a serious amount of hard inquiries on my credit report. 
The following institutions are - 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

In XX/XX/XXXX, I initiated a transfer of my ACS college loans to XXXX XXXX under the Public Service Loan Forgiveness program. During that period of time, I initiated forbearence proceedings either ACS to ensure my loan stayed in good status until the transfer. In the period between XX/XX/XXXX and the time that the loan was transferred to XXXX XXXX in XX/XX/XXXX, ACS said my loan was 60 days late. I called them when I found out to get them to remove the ding from my credit, but they refused, stating I was late paying the loan.
Product: Checking or savings account

My aunt recently endorsed her check to me and it was placed on 7 day hold. When I went to the bank to make a withdrawal I was informed that they couldnt release the funds without contacting my aunt. My aunt who was unavailable at the time. I have an incoming direct deposit and without being informed my account is unavailable for me to view. Please get back with me as soon as possibl with the release of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/vantage score i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have been trying to get an issue with inaccuration and unverified information removed from my credit report with Equifax. My most recent correspondence to try to fix the issue was sent on XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

The issue stems with Equifax not conducting a " Reasonable Investigation ''. I have provided them information based on what they have sent to me " claiming '' to have investigated. 

The issue comes into place with Equifax stating they have verified information with XXXX. I have provided Equifax the information that XXXX is not reporting the information. I have recently requested additional information into the matter to try to get resolved so I requested another XXXX Report. Even in the report that I received, It's evident that there was no investigation into the matter as XXXX has documented there was " NO RECORDS FOUND '' to verify the information in the past 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 


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

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

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

I have acquired student loans through XXXX ( XXXX ) and XXXX XXXX school ( XXXX ) education. I have had multiple loan servicers including XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX and now most recently FedLoans. I am currently in the PSLF program and have requested multiple times for over 2 years a count of my qualifying payments. Both of my employers through my residency program and XXXX XXXX XXXX are qualifying employers, but these 7 years worth of payments have not been counted appropriately. My payment plans have included IDR/IBR. It appears that with the changing of loan servicers my account had been put on multiple forbearance holds from XXXX, including administrative holds, to which I was unaware. This has negatively impacted my credit report and credit score as well.
Product: Credit reporting or other personal consumer reports

Discover is reporting that I owe them over {$5000.00} from transactions made in 2023, but I never received or applied for a card from them. Now a sheriff just served my mother with papers at her address which is XXXX but my address is XXXX. This has severely impacted my credit score.
Product: Credit card or prepaid card

I applied for discover credit card on XX/XX/2018 and I was told that I need to send in some documents by fax which I did and it cost me XXXX out of my pocket and now they told me they needed more paperwork from me and its costing me more money and said that it was rejected by XXXX and I need to resend them again which I refused to do ... discover said it was the wrong date which is XXXX-2018 and each time I called discover about my account they refused to help me out with my account and I felt discrimated beacuse of my color cause I fax in my ID to them front and back showing my face ... and they kept telling me talk to next dept ( security ) and I dont like this company and I want to be treated fairly
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX   sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  said she would contac t National Credit   Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and "  XXXX  '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to  XXXX  at The  XXXX   XXXX   numerous times who said she has cal led National Credit Systems  and she is not sure why they are still billing me. According to  XXXX  my record does not show that she called them at all.
Product: Debt collection

Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX bankruptcy now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?
Product: Mortgage

Had XXXX XXXX XXXX 2022 from XXXX XXXX got XXXX again in XXXX of 2022. I had the homeowner assisted program state employee didnt summit the amount pass due and to bring me current on my mortgage. Im still behind and my case is closed.. Homeowner assistance program closed my file.. 
Im behind 6 months getting letters from state employees credit union and denial letters. 
Im still not fully recovered from XXXX
Product: Credit reporting or other personal consumer reports

t : Dispute of Fraudulent collection Account XXXX XXXX XXXX partners, Experian, XXXX, and XXXX XXXX I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " XXXX Partners '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. - Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. - Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California XXXX XXXXXXXX XXXX Oversight, and potentially pursuing legal action.
Product: Mortgage

This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.
Product: Credit reporting or other personal consumer reports

My information was leaked through the Experian company and all the information on my credit score is incorrect. Ive tried to dispute them all with no luck 15 USC 1681 states that there should be accurate and fair credit reporting. Undermining the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy.

I would also like to state that my privacy and score has been attacked because of the geographical placement in society The extent to which if any, the use of credit scoring models, credit scores and credit based insurance scores impact on the availability and the affordability of credit and insurance to the extent information is currently available or is available through proxys, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the equal credit opportunity act, and the extent to which, if any, the use of under writing systems relying on these models could achieve comparable results through the use of factors with less negative impact and the extent to which credit scoring systems are used by businesses, the factors considered by such systems and the effects of variables which are not considered by such systems. 

Thank you and I hope to see my credit score reflect this problem solved and wont have to go any further in solving this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.