23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The government came out with The Mortgage Forgiveness Debt Relief Act of XXXX. In XX/XX/XXXX I found myself out of work. I had a mortgage and two lines of equity on that house, all through Wells Fargo. I looked into the Relief Act and was told I would have to go through my bank, ( Wells Fargo ) and they would help me through the process. I contacted them, filled out and sent in all the requested paperwork while following up with phone calls to them. Each time I called, I wrote down the name of the person I was speaking with, the time and date, what we talked about, what they needed from me, and their callback number. I was also told to continue making my payments to them which I did for the entire two years while I tried to work with them. They came up with every excuse possible, from they lost the paperwork ( which I overnighted to them ), to my file was waiting for someone else 's input before it could be processed, to it was input into their system late ( longer than 90 days ) so I would have to go through the process all over again. I continued doing everything they requested because I didn't want to lose my home. Our government bailed out the banks to help customers like me, but Wells Fargo went above and beyond to ignore our request for help. We even resorted to contacting our State Senator in the hopes of getting a response from Wells Fargo. I spent countless hours on hold, passed from one person to the next, and often the call was disconnected or simply not answered when transferred to a different department. 
I drained my savings accounts and had to contact a realtor who specialized in " short sales. '' The first thing he told me was to stop making my payments to Wells Fargo. He sold the house for me in XXXX at a very reduced price. This hurt my credit for the next 7 years and put my wife, kids, and myself in a very financially strained position for years. Having been a homeowner for 35 years and never having missed a mortgage payment, we had to move our family of XXXX into a two-bedroom apartment. While going through this process, the stress caused by Wells Fargos unresponsiveness to our case caused me to have a XXXX XXXX.
Product: Credit card

The Merchant : XXXXXXXX XXXX XXXX XXXX XXXX hired Creditor : Synchrony Bank, 1 ) then debt transferred to XXXX XXXX XXXX, 2 ) then to XXXX XXXX XXXX XXXX, 3 ) then XXXX XXXX to collect a debt of {$1300.00} from me. When I made three attempts to pay the debt, no one answers the phone at XXXX XXXX. I left XXXXhree messages and no one returned my call. I have never received a letter from XXXX XXXX informing me that they were collecting a debt, but I was given their name from XXXX XXXX when I called XXXX XXXX 'S number.
Product: Student loan

AES has had a consistent habit of withholding information, giving vague or elusive responses and going so far as hanging up during phone calls after receiving a very sharp attitude. I have given ample evidence of my financial hardship and many of the incentive programs were not related to me, or at best were vaguely given, with a very harsh/dissuasive post-note. I receive conflicting information from customer service representatives, the methods of communication are not consistent and there is no quality representative I can speak to concerning the attitudes of the customer service reps. Overall, their quality of work is abysmal and their attitudes are unprofessional, contradictory, unhelpful, discouraging and even antagonistic. I feel that many opportunities ( such as IN SCHOOL FORBEARANCE ) has been avoided due to untrained staff relaying inaccurate information and I still have no idea what are my rights and promises under their assistance. To be quite honest, I find the weight of these loans **UNLIVABLE** and there are so few alternatives to repayment methods presented to me and such unprofessional responses when trying to investigate said methods, that self harm presents itself as the only viable solution. Emotive responses aside, the core of my problem is an untrained staff that does not present available options for their repayment services.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed missing credit card account information that should be listed on my credit report.
Product: Debt collection

I had an hoa payment due to my association I 've made several attempts to pay it but each time was directed in the wrong direction then they advised me they sent it to collection the collections company sent a letter XXXX month ago with no numbers to contact them got a letter yesterday and decided to go on a search for their number found it and the told me the amount I owe now is over double what I actually owed in the first place I do n't think those fees are fair considering it 's only been in collection XXXX months and they would n't work with me can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The current amount due on my XXXX XXXX XXXX Credit Card is {$4200.00}. The updated balance should reflect this amount.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am formally disputing the inaccurate reporting of a XXXX XXXX account on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates accurate and verifiable reporting. 

Account Information : Creditor Name : XXXX XXXX  Date Account Opened : XX/XX/XXXX Date of Last Payment ( Actual ) : XX/XX/XXXX Date of Last Payment ( Falsely Reported ) : XX/XX/XXXX XXXX XXXX is inaccurately reporting that my last payment was in XX/XX/XXXX, which is false. I ceased making payments in XX/XX/XXXX, meaning this account is past the statute of limitations for reporting. This appears to be an unlawful attempt at re-aging the debt to keep it on my credit report longer than legally permitted.

Under FCRA 15 U.S.C. 1681c ( a ) ( 4 ), negative accounts must be removed after seven years from the date of the first delinquency. The correct date of first delinquency was in XXXX, making this account ineligible for reporting. 

Resolution Demanded : Immediate Deletion of the XXXX XXXX  Account This account is past its legal reporting period and must be removed from my credit report. 
Correction of Any Re-Aged Information Any attempts to falsely extend the reporting period must be investigated and corrected. 

Failure to comply with this request within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office for violations of the FCRA and other consumer protection laws. 

Please investigate this matter and confirm removal of this account in writing. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Explore Credit deducted {$110.00} from my bank account using a fraudulent check on XX/XX/23. I have never had a loan with the company, and do not know how or why they had my banking information. It has been 11 days and they company still hasn't returned to money or offered an explanation. They claim this was a " glitch '' in their system, but I do not understand why I was in their system to begin with.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 i was notified of a breach in sensitive information.. my identity was stolen and my credit report has inaccurate information on it.
Product: Credit reporting or other personal consumer reports

I am XXXX : XXXX, the agent on behalf of the XXXX XXXX XXXX XXXX, Estate. THIS IS NOT A DISPUTE, but rather a notice and complaint to correct and update unfair and inaccurate information being reported on behalf of the Estate. I recently checked the Principal 's credit report and observed late payment information being furnished to credit reporting agencies including but not limed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is showing a late payment for the month of XXXX in XXXX  and XXXX is showing a late payment for the month of XX/XX/year>. How can this be? And if credit reporting for a Principal 's account must be 100 % accurate, fair, and complete, why is there an inaccuracy on the Principal 's credit report? The Principal is seeking new credit for personal, family, and household purposes and is being denied due to this error. I am seeking redress, to be compensated for damages in the amount of {$1000.00} for this error, and for the late payment information to be permanently deleted from the Principal 's file with Penny Mac Loan Services and for the tradeline information to be updated with the credit reporting agencies to show that the " account '' is " payed as agreed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX  - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$3000.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} Additionally, the following inquiries must be removed : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently financed a vehicle through XXXX XXXX XXXX. I specified which lenders the dealership was authorized to run my credit with, but they arbitrarily ran my credit with lenders that I did not authorize. I contacted XXXX to explain the situation and they did dispute and delete duplicates, but they did not remove all of the inquiries I noted that I did not authorize. The instead told me to contact each lender individually and request that they send XXXX a notice to delete the inquiry. In this case, where I did not authorize the hard inquiries and also do not have the necessary contact information to dispute each item individually, I am writing to CFPB in an effort for a swift resolution as I now have XXXX unauthorized hard inquiries that are not scheduled to be deleted until XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an 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: Checking or savings account

Woke up this morning ( XX/XX/23 ) at XXXX, have XXXX emails from XXXX stating that a Bank of America account was opened in my email. 

First email says to verify email address, second says welcome to online and mobile banking, and the third says unable to open account online.
Product: Checking or savings account

XX/XX/XXXX my XXXX  was hacked and a transaction of {$940.00} was sent to XXXX XXXX. I attempted to contact XXXX and they said nothing could be done. I put in a fraud alert to XXXXChime . They issued a provisional credit but as of today XX/XX/XXXX they said that the fraud transaction was declined and they were going to charge me the amount of {$940.00} I have banked with Chime for over 5 years and have only submitted one fraud alert and this is how I'm treated.
Product: Debt collection

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Debt collection

I had two XXXX XXXX cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
Product: Mortgage

Bank of America never sent a lien release on my house since I paid off my mortgage to them on  XXXX   XXXX ,  2016 . My mortgage loan number was  XXXX . I called their number at  XXXX . I spoke with Bank of America representative  XXXX . She gave me a reference number of my complaint as  XXXX . She told me th at the county did  not record the lien release which in fact is not true. She told me there was nothing Bank of America could do. I went to  XXXX   County and obtained copies of the DEED OF TRUST. The county never received the lien release from Bank of America. By law, Bank of America should have released the lien. See attached document for pro of of payoff and their statement about the lien release documents.   I have currently applied for an equity loan with my credit union. They can not close the loan to me because Bank of America never filed the lien release. It is unlawful of Bank of America to be preventing me from obtaining my equity loan and further threatening the delay of my existing interest rate.
Product: Credit reporting or other personal consumer reports

I disagree the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I supposed to get XXXX XXXX  in response to having XXXX  in my wallet on XXXX XX/XX/2020 at XXXX XXXX  UTCm snapshot time. I had XXXX XXXX  at snapshot time which I converted afterwards at XXXXXXXX XXXX CST time ( 5 hrs after snapshot ). 

Now Coinbase is refusing to give me my XXXX XXXX claiming that I converted it before snapshot at XXXX CST ( claiming it as UTCm time ). 

I have all information regarding my wallet. 
Please see the XXXX  where it clearly mentioned that I have converted my all XXXX  at XXXX to XXXX. Which means after XXXX after the snapshot. 

So at the time of Snapshot XXXX to XXXX I had more than XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed this problem on XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX  Account opened XX/XX/XXXX Balance {$1100.00} Hard Inquiries XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXX
Product: Credit card

I have a self prepaid credit card that was stolen and maxed out. Ive been trying to dispute this for over a year and i am unable to get in contact with the company to dispute the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Product: Credit card

Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e.Furthermore , pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and
Credit Unions have power to borrow money, issue bonds and debentures 12 USC 1431 15 USC 1602 15 USC 1637 15 USC 1640 15 USC 1681o 15 USC 1691e