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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

It is so complicated and frustrating..I have called discover multiple times and spent hours on the phone. There was a dispute fraudulent charge. Old Account was closed and a new card was sent. I paid off old balance. This payment wasnt reflected. And old balance was transferred to new card. I thought ok mistake so I paid it also thinking I would get a credit eventually. Now they are saying I STILL owe old balance and trying to transfer it again to account. Also even older than this was an old double charge from XXXX where the charge from XXXX and the charge from the hotel for the same night was on statement and they still did not honor my dispute.
Product: Mortgage

Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC. JUST POSTED THIS FILE ON MY XXXX CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.
Product: Checking or savings account

Follow up the case XXXX. 
Recently I submitted a complaint, because current bank dont let me open a checking account with all the benefits they offer to the customers. I meet all the requirements mentioned on current.com, but the bank continue denied my request. WITH NO REASON OR MOTIVE. 
The company keeps telling me that they thoroughly reviewed my profile and I am not eligible for an account. I demand a clear and concise answer, with the reason why I can not open my account. It seems to me an act of discrimination and I want to be shown otherwise. Current Bank 's response was to wait 15 more days, but yesterday I wrote to the bank on its website and their response was that it was still denied and there is no additional study. The next step is a formal complaint, until they clearly show me the reason why I can not apply for an account at Current Bank.
Product: Credit card or prepaid card

I went with my XXXX year old mother to purchase a new car at XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, Michigan. 
Prior to going there my mother and I had been to a different nearby XXXX Dealership for purchase of the identical vehicle she was sold fraudulently by XXXX. My mother is physicaly XXXX after a very serious automobile collission. At the time we went to the first dealership we discussed the vehicle she wanted, the accessories she needed, but my mother was not physically up to purchasing a new vehicle then. That salesman set her two handwritten letters saying she could lease the same vehicle she ultimately purchased for no money owed at the time of purchase, and lease payments of approximately {$150.00} per month, consistent with newspaper advertisements from all XXXX XXXX dealership. She was ready to purchase, called this salesman to discuss figures and he required she come into the dealership to discuss figures which she was unable to do this.She built the car on the XXXX build a XXXX website and received a call from a salesman at XXXX who said he would have her in and out of dealership in less than 30 minutes. Salesman asked me for my Discover Card. I said why, he said please sign receipt everybody pays {$1100.00} at closing. Salesman fraudulently for {$3600.00} which I did not know until I got my bill. Then two people came over and had us sign blank screen. In violation of Michigan Law we left the dealership without any purchase documents. Almost a month later we received the purchase agreement which was fraudulent as the dealership filled in figures after we signed blank documents and we never agreed on. It was fraud. Discover has a policy where they guarantee a best price guaranty that Discover violated. Discover will not dispute fraudulent {$3600.00} although it was clearly fraudulent as even dealer agrees they are in violation of Michigan and Federal Law
Product: Debt collection

I have been trying to get a method of verification with PENN CREDIT Corp to the point I even went as far to connect CFPB last month to get it resolved, Penn Credit responded by stating that I agreed to pay the debt I owed during a phone call which this is absolutely not true, I never verified the debt was mine but at that point I was so frustrated I was almost willing to pay it, they sent out account statements which does not verify anything. They never stated how they verified the account or any documentation supporting this actually being my debt. I do not feel its appropriate to pay debts that are not mine.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, I noticed unexplained discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the issue remained. This situation is deeply frustrating, and I need the documents I've submitted to be reviewed thoroughly so I can stop worrying about this once and for all.
Product: Money transfer, virtual currency, or money service

Sent money to someone for a purchase on XXXX XXXX. Sent money with XXXX through Wells Fargo. Realized it was a scam. I was told that I couldnt receive my money back. The sellers name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After discharging my Bankruptcy in XX/XX/2018, I tried to call Navient to have them base my loan repayment on my income. The first call that I made to them, in XXXX, to discuss repayment I gave them all of my financial information. They confirmed that based on my income that there would be no way that I would be able to make the payments and should qualify for a {$0.00} repayment plan. The representative went on to tell me that although I should qualify for a {$0.00} repayment plan that Navient was unwilling to make that happen. The representative went on to tell me that the $ 300+ monthly payment was required and that there was no way to lower the payment amount. This is the same representative that just confirmed that I should qualify for the {$0.00} repayment plan, I expressed the fact that there is no way that I would be able to make the payments. I called back in XXXX to try again to lower the monthly payment amount and express the fact that the most I could pay monthly would be {$50.00}. The representative said that I could pay that amount but that Navient would count the loan as being unpaid because it would not be the amount they are requiring. I asked the representative to change the monthly payment to {$50.00} and she said that she was unable to do that. So if I continued to make just the {$50.00} payments that eventually the loan would go to collections even though I would be making monthly payments.
Product: Debt collection

I was contacted about some arbitration civil court filing ''. When I reached out to them for the number they gave me to reach them. XXXX. 

They left a voice message to me and my girlfriends others PHONE number multiple times stating that " We have been retained by the plaintiff to process and facilitate a civil complaint. Which names you as a respondent. We have to perform asset in employment verification. But that is only if the preparation is needed for you to be served. In the meantime you can exercise your rights by having you or your legal representation contact mediation at ____________. Please keep in mind. If you fail to comply this will result in the forfeiture of your rights to dispute this matter and a complaint will be forwarded out to your local jurisdiction. Consider this your official notification. '' I called. They said " We are looking to speak with XXXX about this matter ''. To which I said how may I help you. They hung up. I called back. Another person answers. Same thing. Hung up. I keep calling back because I want to know what is going on and why this person is calling me. After 6 calls. The man from the original time ( XXXX ) answers. 

I asked who they were. They would not answer me who they were, who owned the debt. They hung up on me multiple times. That they were contacting me about collecting a debt with Wells Fargo. I again continued to ask them " Who owned the debt ''. He ( XXXX ) would not answer me that either. Then hung up. As they always seem to do when I have questions about who they are and why they are contacting me. 

I called back and our conversation got heated. I continued to tell them I have worked in Debt Collection and I want to know their organization and who owns the debt. They hung up on me again. 

I called back.. This continued until a full on argument. Where the worker said " If I wasn't lazy and paid my debt. He wouldn't be calling me ''. ON some old supposed debt that I'm not even sure is owned or real. I still can't get any answers from them and they told me " To have my lawyer call '' them. and hung up. 

That's when I came to this site to report it. I feel the number is specific to my case so if they number is called they will say it's for me. Unless they have caller ID associated with my number. But it is a real person.
Product: Credit reporting or other personal consumer reports

I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my XXXX loans were paid in full why havent the reported balances been removed.
Product: Debt collection

I dont know this debt or remember this bill. To be correct I was subject of fraud. One time an I XXXX  XXXX on internet an info breached I dont know this collector or ever had a debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX of XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks
Product: Mortgage

This will be the 3rd complaint I've had with Wells Fargo. My question and concern with the preservation department is that ive had well over 6 or 7 reps working on my case and as a consumer i'm lost on whose working my case and whose not??? Everytime I give them the documents they request they keep on adding documents they need to re-modify my loan therefore making this process go on for nearly 7 months now. I believe whoever is the head of the underwriting department needs to be aware of this. I provided back XXXX all the information wells fargo was requesting, then like 3 weeks later they ask for a tone of different more documents, strictly just calling me a liar that I don't live at XXXX XXXX XXXX, that all my mail goes to 3 carriage cove where I used to live that is correct because I still have furniture at that residence that I haven't picked up so I come every week to 3 carriage cove to pick up my mail I've already provided Wells Fargo a proof of occupancy from XXXX XXXX XXXX, pay stubs, income tax return etc ... I believe as a consumer i'm being descrimated against and being called a liar, which is highly illegal in the banking industry. I wouldn't be this concerned if I didn't care about keeping my property!!!!!!!!!!!!!
Product: Student loan

I have tried to reach FedLoan about the transfer of my loan from XXXX XXXX and the implementation of my Public Service Loan Forgiveness Program for three weeks. I have sent three emails ( XX/XX/2020, and two on XX/XX/2020 ) and made three phone calls on XX/XX/2020, two of which were automatically disconnected after long waits on hold. On the third call I left a callback number and was never called back ( after a more than 24 hour wait ).

There does not appear to be a way to contact FedLoan at this point, by phone or email. I am VERY concerned about this, as I do not know the status of my account, and it appears to be incomplete according to my online account information. They are also about to debit my first payment ( of many ) and I have no way of reaching them.
Product: Credit reporting or other personal consumer reports

PENTAGON FEDERAL CR UN Account type - Credit card Date opened - XX/XX/2015 Address XXXX XXXX XXXX XXXX, VA XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Student loan

On XX/XX/2023 I consolidated my loans per Federal Student Aid and Mohelas advice. I was advised to consolidate because per the PSLF program I am currently in I had 118 out of 120 payments needed for forgivenness per the program. Mohela recommended I consolidate in which case I would have one loan and get my 118 qualiying payments back in addition to being put on an IDR plan for my last two payments. I took these actions and since then not only will Mohela not give me my 118 PSLF qualifying payments back, but they will not allow me to go on an IDR plan for the last two payments, instead they are charging me over {$1100.00} for a monthly payment when I payment should only be {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - XXXX
Product: Credit reporting or other personal consumer reports

I was denied credit from XXXX XXXX. I pulled my consumer report and XXXX XXXX is still misreporting on my Equifax report. The file is misleading, inaccurate and incomplete. I would like the CFPB to hold Equifax accountable for performing a reasonable investigation. 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding Equifax and its adherence to the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Upon review of my report there are instances of incomplete or inaccurate reporting on my credit file, which directly impacts my financial well being I believe that it is imperative for the Consumer Financial Protection Bureau to investigate and hold Equifax accountable for ensuring 100 % complete and 100 % accurate reporting, as required by the FCRA. The reliability and integrity of credit reports are crucial for consumers to make informed financial decisions, and any deviation from the FCRA standards can have severe consequences. 
I kindly request the Consumer Financial Protection Bureau to take the following actions : 1. Initiate a thorough investigation : Please conduct a comprehensive review of Equifax 's reporting practices to identify any instances of non-compliance with FCRA guidelines.

2. Hold Equifax accountable : If violations are found, please take appropriate enforcement actions to ensure Equifax promptly rectifies the issues, implements corrective measures, and prevents future deviations from FCRA standards. 
3. Public disclosure : Consider providing consumers with transparent information about the investigation and any actions taken, ensuring accountability, and maintaining public trust. 
The accurate reporting of credit information is crucial, consumers rely on credit bureaus to handle their data with the utmost precision. Your intervention in this matter is essential to safeguarding my rights. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address and rectify any violations of the FCRA by Equifax. 
Thank you for your dedication to consumer protection.
Product: Debt collection

A collections agency reported on my credit that there is a collections against me. A fraudulent account was created through XXXX  in my name. I contacted XXXX global fraud. They determined I should contact XXXX which I think is an affiliate of XXXX, and gave me a number. I could not get a live person. I filled out a form online and no one has responded to me yet. It has been two weeks.
Product: Credit reporting or other personal consumer reports

Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, LCI is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for LCI to permanently suppress my information from LCI publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of rights protected by the Privacy Act, I am requesting {$1000.00} as a remedy for my hardship that was endured from negative items being reported on my credit report. The immediate attention to this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Experian credit has had my address changed to the wrong address. I've tried to resolve this through the Experian website to no avail. 
I've been down every rabbit hole on the site trying to find an email to a phone number where I can resolve this matter but the phone menu does not have a choice for address change nor the ability to connect you with a human. The website informs me when I try to create an account that my email address is already taken and Experian does not recognize my phone number for password recovery. The Experian website basically just tries to upsell you more credit reporting products, of course for a " reasonable fee ''. 
XXXX XXXX XXXX