23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Well it all happened in XXXX XXXX in a while back in 1993 me and my friend XXXX was at her she also stayed in XXXX XXXX so any way I forgot I had my social security card in my back pocket she seen it and didn't tell me so she keep it and she use it and before I now it I was getting a letter saying that I owe student loans and a car I don't have and a credit card I don't have so know she live here in XXXX fl and she is married and her is the same XXXX XXXX  you can look her up on XXXX I have not say anything to her about it so can You'll please help me with this I can't get my water in my name because I am going to move out of my sister house next year and I really need You'll to help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft ... ive been DEPORTED in XXXX since appx 2009 and yet still get credit opened falsely in my name in XXXX and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a XXXX address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly XXXX XXXX  XXXX XXXX please help my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street, NW Washington, D.C. 20552 Subject : Complaint Regarding Unfair Credit Reporting Practices by Experian Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for unfair and inaccurate reporting on my credit report. Despite my repeated efforts to dispute these errors, Experian has failed to correct the inaccuracies, causing significant financial and personal distress. 
The following issues have occurred on my credit report : 1. Inaccurate Account Information : Experian has reported incorrect account details, including accounts that do not belong to me and incorrect balances on existing accounts.

2. Failure to Properly Investigate Disputes : I have submitted multiple disputes in writing, providing supporting documentation, yet Experian has either failed to investigate or provided vague, unhelpful responses.

3. Inaccurate Hard Inquiries : My credit report contains unauthorized hard inquiries that I did not initiate, negatively impacting my credit score.

4. Failure to Remove Errors in a Timely Manner : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must correct inaccurate information within a reasonable timeframe, yet Experian has failed to do so. 
These errors have significantly affected my ability to obtain credit and have caused undue financial hardship. I request that the CFPB intervene to ensure Experian complies with the FCRA and corrects these inaccuracies immediately. 
Additionally, Experian has failed to properly investigate disputes I have filed regarding inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the FCRA. The inaccurate accounts are as follows : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX, GA XXXX Case # XXXX I have submitted disputes and supporting documentation to prove that the information listed above is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic; unverified ; statements without explaining their investigation or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to secure credit, loans, housing, and more. 
I am requesting the following actions from Experian through the CFPB :
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Debt collection

On XX/XX/year> I contacted XXXX in regard to auto drafting a payment. I made it clear that I was not to be automatically charged as XXXX authorization was withdrawn. As you can see by my conversation with customer service I was assured that payment would not be automatically withdrawn/processed and by their own words would have to manually make the payment. 

When I called to file this a claim with my bank I was told that I only revoked XXXX authorization, they charged this as a debit transaction. 

That to me is a direct representation of the company, where they can try and find a loophole to avoid sticking to their word. 

I contacted this company and made it explicitly clear that I was not to be automatically charged and was assured by them I would not be. 

I have attached my conversations with customer service as well as a snippet from XXXX own policy that states I am under no obligation to pay them anything. 

I have attached information I obtained from your website of the CFPB ( Consumer Financial Protection Bureau ) where it states under the Fair Debt Collection Practices Act ( FDCPA ) that The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. 

My basis for this claim is that XXXX used unfair or deceptive practices as they told me I would not be automatically charged and that I would be responsible for having to log in and manually make payment. They lied to me and again I did not authorize this payment to be drafted from my account. 

Thank you for your time and consideration.
Product: Debt collection

I signed up to XXXX on XX/XX/2021 and cancelled after a week after realizing they had a poor user database and my " matches '' were far away from where I am located. I didn't even go on one date from that site. 
I followed the complicated steps to cancel membership which has a different name not " Cancellation '' ... to make sure I even emailed them since they have no customer service and they refused to give a refund/cancel. So I was like okay, I will just let them keep the {$150.00} they charged me already but I'm not paying anything else '' I had to cancel my debit card altogether and get a new one to avoid their automatic charges. Now I see they sent me to a Collections Agency even though I turned off my profile and I haven't used gone to their website or use their services. This is smart XXXX and abusive and they need to be Stopped. I'm trying to buy a house and the least I need is this bad record on my credit score because this company is fraudulent, since they don't have users, they exploit the few users they have. Beyond annoyed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Equifax on or about XX/XX/XXXX or XXXX XXXX to file a dispute for information reporting wrong on my credit report and asked for the inaccurate information to be removed. The customer service rep asked if I had supporting documents that I was making payments on the charged off account and if so, the items would be removed with my supporting documents. She gave me a fax number to send the documents to and said the documents would be uploaded within 24-28 hours. 

I called on XX/XX/XXXX to confirm that the documents were received and was told that they were not received. I called again on XX/XX/XXXX, and XXXX, XXXX. I spoke with a supervisor on XX/XX/XXXX and she told me that I should refax the documents or upload them to Equifax.com. I explained to the supervisor that I paid for the fax and was not going to refax them. She also said that they deal with other people sending in documents and for me to be patient. I think that was very unprofessional and that they should make sure that they give the consumer the correct information and not brush them off because they have other faxing documents, I was then told to upload the documents on the website or she would take the dispute again over the phone. I asked if that would start the dispute process over and she said yes. She then told me to upload the documents to Equifax website. I tried that and because the dispute was already submitted, I could not submit the documents. 

I called again on XX/XX/XXXX to see if the documents were uploaded. I was asked the exact same verification question from the previous calls and was told today that I could not be verified!
Product: Credit card

I am reporting what I believe is a phishing or identity theft scam. 

I have received several calls from " XXXX, XXXX '' ( XXXX ) XXXX but ignored them for a few days. Then I answered their call last night, and " XXXX '' asked me if I had approved a XXXX purchase of electronics equipment on my new Chase credit card. I told him I did not have a new Chase card, and he told me a new account was probably opened in my name, and he gave me my correct mailing address. He gave me a case number, XXXX. I asked to speak to his supervisor, and XXXX XXXX ( employee ID XXXX ) came on the phone and confirmed that the purchase was made, around {$900.00}. XXXX told me he would transfer me directly to the Consumer Financial Protection Bureau to secure my social security number. I told him I've never heard of that organization, and then the call went dead. 

Today I called Chase Credit Card customer service ( XXXX ) XXXX and was told by an agent that there have been no new accounts opened with my name and XXXX within the past 30 days. So I am more convinced that it is a scam. 

They tried calling me again today but my phone was on silent so I didn't see the call. Apparently they have not given up on me. When I called back, a Chase operator voice responded with a touch-tone menu, but the voice recording was scratchy, like a bad connection. I hung up before selecting a menu option.
Product: Money transfer, virtual currency, or money service

I have had an account with Veem for some time and this is now the second time this has happened for the same transaction type and client- I received a somewhat large ( to me ) payment from a client for a second deposit on funds I need to access today to complete work for them. Immediately after they sent it, my account was put on hold " pending verification, '' yet I was never asked for additional verification prior to this and I did already give them my passport, which almost all other similar companies can verify immediately via a third-party service. The payment was made via credit card and already processed from the client end, so I inquired about what the hold up was and got no real explanation other than to just wait. So, they are arbitrarily just holding my funds for no reason which is going to preventing me from starting work with this client who paid for services they are expecting to me rendered and I can not do now because Veem is withholding my money. Additionally, last time, they called my client directly to verify ( which they did, but though Veem was very unprofessional in doing that ), so this is not a new transaction to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

MidFirst / Midland Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then MidFirst / Midland Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). MidFirst / Midland Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. MidFirst / Midland Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. MidFirst / Midland Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with MidFirst / Midland Mortgage is XXXX. MidFirst is the parent company of Midland Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by MidFirst / Midland Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
Product: Debt collection

XXXX XXXX XXXX and XXXX sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
Product: Bank account or service

Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy. 
15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card

Received an indigo credit card in the mail ~ 1.5 months ago -- > shrugged it off as I wasn't aware, but figured it was a gimmick like many other credit card companies send out -- > received a statement ( see attached ) ~ 2 weeks ago indicating an annual fee charge but with no payment due -- > called and spoke with a rep. who asked me for my SSN -- > I declined to give my SSN -- > she verified my address, DoB, and name and then found the account -- > I requested the application that was filled out with my information -- > she declined by saying it was done on the web and transferred me to the fraud department -- > fraud department rep. was also non-native English-speaking -- > reported he was going to send me a letter for the next steps -- > I urged him to tell me what the next steps were found in the letter -- > he wasn't able to provide any information and kept repeating himself -- > I asserted that I would be reporting this situation to the government and it became awkward with him attempting to end the conversation -- > I urged him to close the account and that I was in NO WAY responsible for any payments on the account -- > he agreed and ended the phone conversation.
Product: Mortgage

On XX/XX/2017, my attorney wrote a letter to Lakeview Loan Servicing , LLC requesting the name of the new creditor/owner of my mortgage loan pursuant to 15 U.S. Code Section 1641 ( g ) ( 1 ) because it was securitized through a  Government National Mortgage Association. Lakeview Loan Servicing , LLC owns only the master servicing rights to my loan. XXXX XXXX XXXX XXXX  services my loan. Lakeview Loan Servicing , LLC wrote a letter of response onXX/XX/2017, and stated the following below in paragraph four : The note holder for these securities is not known to the public or to us.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to XXXX, XXXX, and Experian to have the items fixed on XX/XX/29 and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below : The information about my name is not reported accurately. 
My current address is not listed accurately. 
Certain information about my date of birth is not accurate.
Product: Debt collection

XXXX, The amount is {$70.00} I called the utility company and told them there was a reporting error on there end and it was effecting my credit. The utility company told me, it was the credit bureau job to fix it. so I called the credit bureau and it still is showing on my credit even thou the utility company send them a letter stating that, there was no debut and it should be removed. This was going on for XXXX now, I 'm trying to buy a home. It is still on my credit. The credit bureau said there was nothing they can do, but put a zero balance.
Product: Debt collection

I settled with the collection company after judgment was filed and wage garnishment had started. I was told the funds recouped through the wage garnishment would be reimbursed through check. 

I made the full settlement payment in XXXX. One check was garnished in XXXX ; I've been waiting on the refund and haven't received it. I've made attempts to reach someone at the agency, including leaving multiple voicemail messages, but have not been able to speak with anyone.
Product: Checking or savings account

TD has been reporting on my credit report. This is past the statute and charges are incorrect as well as name on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. CAPITAL ONE has taken adverse action against me by closing my accounts due to none payment for medical related complications Im experiencing. CAPITAL ONE went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( CAPITAL ONE ) and utilization which is the experience between the consumer and the person ( CAPITAL ONE ) making the report. Congress says that transactions OR experiences between the consumer and the person making the report is not included in your consumer report.
Product: Student loan

This complaint is about my Parent Plus loans with Nelnet.. The amount of the payment is not taking into consideration the High Cost of Living and paying other bills. Interest is climbing faster than I will ever be able to pay off. I am not getting any assistance from Nelnet to resolve the issue. My wife 's income is being calculated when trying to refinance, or consolidate. She is not my daughter 's mother and was not in my life when the student loans were taken out. I would like these loans to take into consideration all these factors and have the payments and/or interest reduced. 
This is the second complaint I have filed against NELNET. The first complaint resulted in them giving their typical- nothing we can do response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022