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

XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to XXXX, XXXX and Experian. The credit bureaus did not correct the information.
Product: Debt collection

Paid debt with a collection company known as XXXX XXXX XXXX was paid on XX/XX/2020. Account was still sold to a different collection company known as phoenix financial services claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but phoenix financial services still claim their information is accurate when it is not.
Product: Debt collection

This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and Experian report.
Product: Credit card or prepaid card

Social security benefits are transferred to directexpress card. Direct express say they dont have my funds. However when I check by using my as number they have the funds. My card they sent me is a XXXX   balance. 
So I'm having problem finding out who has the money. I have bills. I'm XXXX cant work. I don't have anymore money to get medicine or pay my doctor.
Product: Student loan

Navient is the worse company for communication. They sent several emails, to which you can not respond to, stating that they have transferred the account to another company. Then the loan repayments were suspended due to covid. However, all during this time Navient continues to call and harrass myself and family regarding repayment. 
This needs to stop
Product: Checking or savings account

Someone requested for Checking account on my name In fact, they opened 2 checking accounts in XXXX XXXX XXXXXXXX on XX/XX/2024 and another on XX/XX/2024
Product: Debt collection

I sent a letter to Financial Credit network for a medical collections account that they put on my credit and have yet to receive a response or account deletion. The account was paid in full. Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID OFF and settled medical debts from credit reports that have been fully paid or settled. 
This is a violation of federal law.
Product: Debt collection

XXXX. The account that is being reporting is identified as an installment loan, which is factually incorrect. The true account type for this account is a credit sale agreement. I have the right to an accurate credit file, and discrepancies like these are unacceptable. 

Please remove this account from my credit file immediately.
Product: Credit reporting or other personal consumer reports

These account is not showing maximum possible accuracy according to 15 U.S.C. 1681e ( b ) please view attachment for detail
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I requested that XXXX, XXXX and Experian correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XX/XX/XXXX, the information still stands uncorrected as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addresses and names ha e no connection to me and need to be removed according to the FCRA
Product: Debt collection

I HAVE REQUESTED FROM COMPANY BY NAME OF ( PORTFOLIO RECOVERY ) TO REMOVE INACCURATE INFORMATION FROM MY CREDIT FILE. THIS COMPANY HAS FAILED TO PROVIDE ME WITH REQUESTED INFORMATION TO VALIDATE DEBT. I HAVE REQUESTED TO BE PROVIDED WITH A COPY OF THE ORIGINAL SIGNED CONTRACT AS WELL AS WHAT IDENTIFICATION WAS USED TO OPEN CLAIMED ACCOUNT. THIS COMPANY HAS NOT PROVIDED ME WITH ANYTHING TO VALIDATE DEBT. HOWEVER, CONTINUES TO REPORT INNACCURATE INFORMATION.
Product: Checking or savings account

Received an email on XX/XX/23 to my personal email address with a " Welcome to Chime! '' Email. I forwarded the email to the email address listed at the bottom of the email which stated " Didnt sign up for Chime? Email us at XXXX '' the same day. I didn't receive any correspondence back from this email address. 

On XX/XX/23, I received an email that stated that " Your Chime XXXX XXXX XXXX is on it's way '' and listed my personal address. I then googled Chime and found their customer service number and contacted the Fraud department. I spoke with an agent who confirmed that they closed the account and that I would not be responsible for any charges. Unsure how Chime was able to open an account in my name when I have a current security freeze in place on all 3 credit reporting companies and XXXX.
Product: Consumer Loan

XX/XX/XXXX, I contacted you about a problem I has having with Wells Fargo. The complaint number of my previous complaint was XXXX. The basis of my complaint was that Wells Fargo was reporting a collection balance on my credit report for a defaulted auto loan. This loan is not my responsibility. It is the responsibility of a couple by the name of XXXX and XXXX XXXX. I even uploaded a copy of the court order, which clearly started that the Capps were responsible for the defaulted account that appears on my credit report. Within a few days of filing this complaint, a lady named XXXX XXXX responded, and stated that she needed my address at the time the account was open, the last four digits of my social security number, and my date of birth. I responded with that requested information through the complaint portal, and I also postal-mailed the response directly to XXXX XXXX at Wells Fargo. I have also left her voice messages, but she does not return my calls. At this point, almost 2 months have past, and we have yet to have any response ( whatsoever ) from Wells Fargo. Meanwhile, they continue to report this fraudulent collection account on my personal credit report.
Product: Credit reporting or other personal consumer reports

Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies
Product: Mortgage

Please help me understand why CFPB does not come up with a standard program to cure the XXXX Loans rather than give so much discretion to Wells Fargo Bank N.A . which usually leans on getting as much as possible from the homeowners. XXXX. 

We all know - '' Millions are victims of wrongful foreclosures. Loans during the housing bubble were repackaged into securities and sold on XXXX XXXX putting the true holders of mortgage debt into question. The entity Wells Fargo that is trying to foreclose has no legal standing to do so. There is of course something the banks want no one to know - but the public knows. '' According to a deposition taken by an employee at Wachovia, there was never a transfer of notes from World Savings to Wachovia, just a name change and no real merger or transfer ever took place as XXXX, still has custody of all original notes XXXX See : Page XXXX, lines XXXX, Page XXXX, lines XXXX, Page XXXX, Lines XXXX. 

Wells Fargo fabricated paperwork in mass to prepare for bogus foreclosures : XXXX Since XXXX is now a defunct organization, Wells Fargo is a pretender Plaintiff and has no standing to foreclose as the note could never have been assigned to them since it was securitized and sold to a XXXX XXXX XXXX and Wells Fargo are mere debt collectors or servicers of the loan, and hence have no legal standing : See : In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Servicing XXXX Wells Fargo Bank, Bankruptcy XXXX XXXX XXXX XXXX XXXX, 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXXXXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that Equifax and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and Equifax, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXXXXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!
Product: Checking or savings account

I asked for help multiple times. No help {$2500.00} a lot of dates
Product: Mortgage

Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.
Product: Debt collection

On XX/XX/2020, IQ Data International reported a balance of {$710.00} on my credit report. I was never notified of this debt prior and was informed by original lender that my balance was paid. In addition, I was informed that if I paid the balance then the collection will be completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company -XXXX  Date - XX/XX/XXXX Amount - {$10000.00} I did not give this company authorization to report this collection to my credit report, this violates my privacy rights under the Privacy Act of 1974 this fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

I am Call all collection accounts in major violations Of XXXX and defamation of my character for Reporting debt Without sending Me proof of correspondence of Debt Validation notifying me that I had a debt by phone or mail was never sent me to Also All collection agencies below are under Violation of Try to collect charges in addition to the debt unless they are allowed by the contract or law Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collectors address or business name that doesnt indicate its in the debt collection business XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX All collections need to be removed from the account Equifax XXXX XXXX, and XXXX will also be facing arbitration suit if they keep defamation information on my consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Breach and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. Furthermore, I also demand you, XXXX produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 days to delete these inquiries. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my consumer report : 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 I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance carrier ( XXXX ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I have had nothing but trouble with this credit card since I opened it up. They have had me " verify my identity '' by sending them ID documents at least 3 times already and now want me to do it again. In the meantime, I have been unable to make payment ( s ) on my account due to my account being suspended and therefore, I can not get past the message screen when I log into my account. I called customer service today ( XX/XX/24 ) for at least the 5th time and the representative was very rude and just kept saying I needed to verify my identity. I kept telling her that the card was showing up as late on my credit report, but she did not care and would not let me make a payment. I tried to pay on the phone but due to my account status, I could not pay that way either. I have not received a statement in the mail, so I don't know how else to pay them. After she unlocked my account, I was able to log in, but once again, I just got the " suspended '' message. When I told her this, she hung up on me ( or the line disconnected somehow ). I am attaching a copy of my account screen shot so you can see what I see when I log in. I can not get past this screen. I am also attaching identity documents since my identity is apparently in question again for the 4th time since my account opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2022 by Experian that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXX  XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX  XXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped 4 points and I was told to report this to FTC. That same day, I froze all credit reporting by Experian, XXXX XXXX, and XXXX. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX
Product: Student loan

THIS IS NOT A DUPLICATE! same problem, same company, different co-signer. 
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/XXXX, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/XXXX, they still have not answered me. Plus they keep sending ridiculous answers for why they can not answer my questions. Playing games to drag it out longer so they get what they want. terrible, terrible, terrible, crooked, lying, stealing company. Some things they tell you only over the phone, some things they only tell you snail mail, some things they only tell you by fax, it's absolutely criminal.
Product: Credit reporting or other personal consumer reports

to whom XXXX concern i own a XXXX XXXX XXXX XXXX XXXX, somebody open a credit card under my name i didn't authorize it for some reason it appear on credit i filled a police report they never removed it this not fair to me and my family.