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

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.
Product: Student loan

My name is XXXX XXXX, and I've been having trouble getting AES student loans to disclose basic loan information to me. I'm currently enrolled in an IBR program. 

I've written to AES several times to request information about when my loan will be eligible for forgiveness. After several emails requesting specifics regarding the date on which my loan will be eligible for forgiveness, I received the following response on XX/XX/2021, in which I was advised that " We are unable to provide the number of qualifying payments you have made or need to make to achieve loan forgiveness through this program. '' And that " We will notify you no later than 6 months prior to the anticipated loan forgiveness date when possible. '' To make this even worse, I received this response after reporting AES to the Department of Education for the refusal to disclose legally mandated loan information to me. 

This simply does not work for me, and quite frankly, I'm appalled that AES is intentionally refusing to provide me with basic information about my loan information it is required to give me by law. I'm stunned that AES actually thinks that telling a borrower to just go away and keep paying on a loan while actively withholding information about that loan is nothing short of XXXX. Quite frankly, it's outright illegal. I have no idea why I should be expected to continue paying a loan when essentially, AES is refusing to let me know when the terms of that loan will be satisfied or how many qualifying payments I have already made. Is AES seriously suggesting that I should simply trust them to tell me when I no longer need to make payments on the loan. Because of AES 's refusal to disclose this information, I have no way to review payment history or check it for errors which is a basic element of consumer protection rights and an absolute must given all of the known issues with AES.
Product: Debt collection

Pursuant to 15 usc 1692b XXXX is a 3rd-party debt collector they've stated I owe an alleged debt to Klarna. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
XXXX has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with XXXX  Pursuant to 15 usc 6802 Klarna has violated my rights by providing my personal information to XXXX XXXX is also in violation of 15 usc 1692c because I XXXX XXXX did not give XXXX my consent to communicate with me about alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back during the great recession, approximately XXXX, 2013, Bank of America, who was struggling mightily with bad debt in general, decided unilaterally, without any issues of non or late payment on my end, to suspend my line of credit XXXX both secured and unsecured ). The Credit Line Suspension occurs on my credit report and has been reported to me to negatively affect my credit score to this day ( I have consistently paid back the loan to this day with the suspension language hanging over my credit report ). 

Bank of America was bailed out by the tax payers but at the same time did previous harm to their lenders who were not delinquent in payment or fulfilling any of their obligations. 

BOA should correct my credit report.
Product: Payday loan, title loan, or personal loan

My husband and I had a payday check loan with XXXX XXXX in XXXX. I went to pay Monday like I do every month and there was a sign on the door. Said to go to Cash Express, so I went there. I tried to pay my XXXX fee like I have every month and was told I had to have the full XXXX. I told them XXXX XXXX never made me do that and they said the girl was fired for just taking the fee at XXXX XXXX I called that girl and she wasn't fired. They sold my accounts to Cash Express and she didn't even know they was selling the company. The owner of XXXX XXXX  always took just my XXXX and renewed the loan. I don't have XXXX for mine and XXXX for my husband 's account. I signed contract with XXXX XXXX not Cash Express. I'm not paying this loan anymore. My daughter looked up laws and said TN does not allow renewals or rollover loans and that I shouldn't be responsible for the debt since it's always been renewed and I never took in XXXX I just took XXXX in once a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to all 3 credit reporting agencies about reporting 2 repo 's on my credit report from XXXX XXXX and XXXX Consumer i did not give them any written consent to report these. As law 15 usc 1681a2 states.
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 confidentiality under 15 USC 1681. 
Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

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

15 U.S. C. 1681 Section 604 A Section 2 It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiry appearing on my XXXX Credit report that I didn't authorize on XXXX/XXXX/2022
Product: Mortgage

I feel like LoanCare and XXXX XXXX XXXX are preying on those that needed and asked for help during COVID by destroying our credit reports. The only response the call center gives is " well that's how we're allowed to report it ''. This reminds me of the predatory policies that XXXX XXXX  XXXX and XXXX XXXX were caught doing. My hope is thatI can get some help and this complaint sheds light on a malicious policy that is intended to cause long term harm to consumers. I have submitted a ticket ( # XXXX XXXX but received no response yet. 

XXXX has inaccurately and purposefully reported my account late for 6 months of 2020 while in forbearance and has refused to correct the error. My VA Home Loan was approved for a 180-day CARES Act forbearance on XX/XX/2020. I understood that my payments from XXXX to XXXX would still accumulate but would not be reported as past due. A forbearance was meant to protect us after my wife was unable to work due to XXXX restrictions. I understood that only those approved payments XXXX XXXX to XXXX XXXX would be protected from derogatory credit reporting. When my CARES Act forbearance was approved, we were past due for our XXXX payment which I knew would remain past due until paid. To me this meant that XXXX would become XXXX, XXXX, XXXX, etc days late until paid because the other months were protected by the forbearance. That is not what happened, LoanCare marked XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX as 30 days past due. They marked nearly every month of the forbearance as past due plus XXXX and XXXX. I made payments throughout my forbearance and did not request a modification, choosing to pay the remaining balance in XXXX despite receiving an extension to XXXX. I paid the balance in XXXX then made on time payments moving forward but XXXX and XXXX were still listed as late in error. I was legitimately trying to get caught up and end my forbearance as quickly as possible. Below and attached is my payment history before and after the forbearance : XX/XX/2020 : Approved for 180-day CARES Act forbearance XXXX XXXX balance is past due ). 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX balance. 
XX/XX/2020 : Payment for XXXX, XXXX, and XXXX balances. 
XX/XX/2020 : I requested and they approved to end my XXXX XXXX forbearance early. 
XX/XX/2020 : Payment for XXXX balance XX/XX/2020 : Payment for XXXX balance I do not see the reason to have a specific policy of marking months during an approved forbearance as past due. It is even worse for LoanCare to defend such a damaging policy by saying that they do it because they're allowed to. This is in no way the right thing to do to anyone, especially those that are seeking aid during a incredibly difficult time.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry in my credit report for a company in Rhode Island with a XXXX Illinois telephone number. The telephone number is a scam telephone number. Additionally, Ive not ever requested any type of credit from this company. I sent multiple disputes to Equifax and they continually report this error on my credit report.
Product: Payday loan, title loan, or personal loan

I had an established relationship with the company. I paid by bill on time and ensured the credit limit was always available.

In XXXX  of XXXX  I was asked to verify my identity. this was after I had the account for almost a year. I submitted documents on their app and waited weeks for verification. the company wasn't able to verify my identity, waited weeks to respond to any questions and closed my account. Customer service is almost non-existent. yet the company continues to email me statements with a XXXX balance and credit limit. 

I am not the only person having this issue. the comments listed in the XXXX XXXX are riddled with customers who have had the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. 
XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX-XXXX XXXX XXXX-XX/XX/XXXX I demand that you remove following inquiries immediately.
Product: Mortgage

This is my second complaint over the same issue. My loan was transferred from XXXX to Gregory Funding. At the time of transfer I was in the last month of my loan modification trial period. XXXX assured me the Gregory Funding was legally bound to honor my modification terms. I have made all payments on time yet Gregory Funding still has not created a loan modification and are now sending me letters with late fees. This is mortgage fraud and I want them investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX XXXX, purchased PHH MORTGAGE. They transferred my mortgage to PHH MORTGAGE which is now a subsidiary of XXXX. PHH MORTGAGE is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped  significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want PHH MORTGAGE to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to PHH MORTGAGE.
Product: Mortgage

You have previous complaints from XXXX XX/XX/XXXX The response from SPS was they have everything for review, yet as of today they have done nothing.As I have said previously I SUBMITTED EVERY PAYSTUB/TAXES FROM XX/XX/XXXX to the many times. 
Im requesting that you ESCULATE THIS TOO THE US ATTY GENERAL OFFICE and get a stay from any further procedings IF SPS refuses too file motion to dismiss voluntarily. 
This is insane and CAN NOT BE ALLOWED.Im aware that they r under FEDERAL INVESTIGATION. 
Please ESCUALTE AND STOP THIS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address
Product: Checking or savings account

They was charging me overdraft fee when most of the time I had the money in there.. Thats the reason why I dont have the account anymore.. And I got denied credit cards and loan with good credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, capital one and XXXX and XXXX, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

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

I recently received a copy of my credit report which showed data ( INACCURATE, MISLEADING, or IMPERMISSIBLE INFORMATION ), that I did not authorize nor was I given such information, providing me with '' the option to or directing me ( the consumer ) to exercise the nondisclosure option of data to a XXXX party ( in contravention to Sec. 6802 ( b ) ( 1 ) ( B ) ( C ) of Title 15 USC ) ''. As a result of the violation of Sec. 6802 to the consumer, the financial institution JOVIA Federal Credit Union has been violating federal law ( Sec.1666 ( a ), ( b ) and providing this agency with MISLEADING, INACCURATE and UNAUTHORIZED data, ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) to this agency to publish in contravention to the Consumer Credit Protection Act. and the PRIVACY Act. 
I requested for XXXX to adhere to the mandate of law and remove the following ( IMPERMISSIBLE, MISLEADING, INACCURATE ) data from my credit file, immediately because I did not authorize nor inform any Bank, on any documentation, that I was not given the option to decline to allow my information to a XXXX party, and conveying my authorization to publish my data to a XXXX party. Thus, the INFORMATION in the database of the reporting agencies is MISLEADING, UNAUTHORIZED, IMPERMISSIBLE and INACCURATE until verified and I requested that the information be completely removed until it is verified as authorized and permissible. 
Furthermore, I gave a XXXX XXXXo the reporting agencies indicating : " Any future violations of this notice will result in a CLAIM being filed against you with the XXXX. I will utilize my right to log and record any communications you send, in violation of this notice, including electronically recording any future telephone call from you. 
I also gave the reporting agencies a XXXX indicating : You are hereby served XXXX Notice. 
By this notice : you are hereby barred from raising ignorance from the content put forth in this notice as an affirmative defense in any subsequent legal decisions. 

No reply was ever sent to me from XXXX XXXX XXXX XXXX.
Product: Debt collection

In cfpb Complaint No. # XXXX and # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Bank of America and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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: Checking or savings account

I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent experian on XXXX XXXX a certified letter with returned receipt demanding that Experian delete accounts due to Inaccurate and incomplete account name and status. I sent proof of what XXXX is reporting the correct way as a way to show them ( experian ) of the inaccurate information regarding the tradeline name as being reported Inaccurate by Experian. Experian likes to play games and violate my federal protected consumer rights under FCRA statue that says that XXXX percent accuracy,100 complete and 100 verifiable has to happend to be on a consumer report. they are non compliant with FCRA law. they sent me a letter saying they verified and updated the account, but they never verified anything. I have enclosed proof that the account continues to report inaccurate. also they are punishing and asking me not to go to CFPB for help. for going to the CFPB for help. CFPB please help me. 

15 USC 1681e ( b ) Accuracy of report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an email pertaining my background check. Upon looking at it, I have discovered someone else on my report. The name XXXX XXXX XXXX is not me. I need this fixed.