23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I notified Wells Fargo that I was being impacted by COVID pandemic, and had spoken with a representative regarding the federal forebearance program. At this time, Wells Fargo accepted my hardship and into the forebearance program, that my payments were suspended. I continued to communicated the request for extension. until late XXXX. On XX/XX/XXXX, my situation became better, and I went back into the workforce. I contacted Wells Fargo to let them know i was prepared to get the account back in order. We discussed the options and I was put into a loan modification that put the old missed payments at the back end of the loan. 
Since then, I have been making more than the minimum payment due and on time, as my credit report will confirm. 
Recently, my financial situation has turned for the better, and I have also outgrown my home with my family and went to apply for a mortgage but am having a terrible time because the way Wells Fargo reported my forebearance has had a negative impact. The underwriter for my new mortgage request has stated that the way it is reflecting on my credit is as if I just stopped making payments. This was not the way the Federal Forebearnce was intended to be rolled out and now I am suffering because of the inaccuracy on my report.

I have contacted Wells Fargo who states that there was no negative reported on my credit report, that the agreement was they would not make any reporting on my credit whatsoever ; however, the verbiage on the comments of this item states loan modification and does NOT state the forebearance. 
I need this rectified because my career is growing and I may need to relocate and I will not be able to purchase a home or be extended any further credit because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not permit XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/WALGREENSDC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX SYNCB/AMERICAN EAGLE PLCC XX/XX/XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.
Product: Credit card or prepaid card

I made a purchase on my card - shortly after the purchase I noticed that I was overcharged from the original amount quoted to me. I reached out and filed a dispute on the charge around XX/XX/XXXX I contacted the dispute department on XX/XX/XXXX to follow up on the resolution as I had not heard anything. I was advised by the representative I spoke with that dispute was closed and a credit was issued back to me for {$940.00} During the conversation I confirmed once more that the case was closed and this was the final resolution- I still needed to pay for the services so I advised her I was going to pull out money separately to pay for the services but wanted to verify the case was closed and this was final - she stated it was final and the credit could not be reversed and no further action would be taken. Based on this conversation on XX/XX/XXXX I went to my bank on XX/XX/XXXX and pulled out just over {$900.00} and paid the company directly for my purchase. 
On XXXX I noticed that the credit I received from the original dispute was taken back and the original charge of {$940.00} was placed back on my card on XXXX. I contacted the dispute department to clarify what happened. During this call the representative advised again that there is no reversal to the credit- so I asked how or why was it reversed- she couldn't explain why but said the case was closed. 
Based on the expectation provided by the representative on XX/XX/XXXX I withdrew money from an account to pay for the services. If this expectation had not been set I would not have done this. Now I have already paid for the services in cash and had the services charged to my account- I have paid 2 times for these services. My actions were based on the expectation set by the representative - proof can be provided that I withdrew money to cover these services- if it wasn't for this misinformation I would not be out this additional money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account XXXX XXXX XXXX on my Equifax report that has inaccurate and incomplete information. 

I have been disputing with Equifax to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

the last dispute result from Equifax came back stating my dispute was unclear, yet I was very clear about what I was disputing. See below. 

Even though the account was disputed, the Furnisher has not reported as such in the comment section. 

Actual Payment Amount : a ) Equifax is reporting {$16000.00}, and XXXX is reporting {$21000.00}. The data does not match and is grossly different and therefore can not be reporting accurately. Please correct or delete account immediately. 

Date of Last Payment : a ) Equifax is reporting XXXX as XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate reporting with a 14 month difference in dates? Please correct or delete account immediately. In addition, I never made a payment in XXXX. 

Term Duration : a ) Equifax is reporting it as ( 8 ) and XXXX is reporting it as ( 80 ), therefore the data is being reported inaccurately. Please correct or delete account immediately. 

Lastly, the contact information is different. on XXXX it says XXXX XXXX phone number XXXX. On Equifax it shows XXXX as the contact, different address and a different phone number XXXX. So which one is the factual data?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate addresses listed on my credit report. After reviewing my credit file, I have identified incorrect variations of addresses that do not belong to me and should not be associated with my credit history. These inaccuracies are not only misleading but also have the potential to cause confusion or inaccuracies in my credit profile, which may negatively impact my creditworthiness.

It is essential that my credit report reflects accurate and verified information. I believe these incorrect addresses may have resulted from clerical errors, data mismanagement, or possibly even identity confusion. I have only ever used the following address ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX, and any other variations listed on my report are erroneous. I respectfully request that you take the following actions : 1. Conduct a thorough investigation into the disputed addresses. 2. Promptly remove all incorrect addresses entries from my credit report. 3. Provide me with an updated copy of my credit report reflecting these c
orrections.

To support my claim, I am enclosing the following documents : A copy of my government-issued identification ( e.g., drivers license or passport ). 
Proof of address ( e.g., utility bill or bank statement ). 
A recent copy of my credit report with the inaccurate names highlighted. 
The Fair Credit Reporting Act ( FCRA ) obligates credit reporting agencies to maintain accurate and complete records. Under these guidelines, I trust that you will promptly address this matter and ensure the integrity of the information associated with my credit profile. 

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
Product: Vehicle loan or lease

In attempt to, Avoid Bankruptcy. 
Respectfully, request to process various complaints against, " Banks of America 's Robust Auto Loan Department. '' That uses the American Logo to, scrutinize accounts. 

This Banks ' Robust Auto Loan Computer Repossessed my Automobile, & failed to mail a notice ( documentation ) or, tell me over the phone of, when and where to recover the automobile? 
Even though, I was constantly in contact with the recovery department. Right, after, this Bank had taken the vehicle with all my belongings inside. 
Forcing me to, pay XXXX $ dollars to, retrieve my own property from, inside the vehicle. 
After, the vehicle was secretly undersold or Auctioned from, this location? 
Then, The Bank contacted me to ask for, the remaining amount of, money left on the contract, witch was a debt of, over {$10000.00} U.S Dollars. 

Why was I still been asked to, keep my side of, the contract? 

After., No-body had presented, " The Opportunity to, recover the XXXX XXXX '',  property that was still under contract. 

Is breaking their part of, the contract an illegal action, and deliberately harmful? 

Since, XX/XX/2018. I made many complaints to, all there different departments. Expecting, Some one would do, What is right?

( I ) To return my mode of, transportation.

( II ) To adjust their error-anus / erroneous Robust Computer Software '' That automatically transfers pending accounts to, 3rd parties ; Whom take the law into their own hands & into their pockets.

for, example " How many Vin numbers were under-sold, and then resold for, a fair price. In the shortest amount of, time? 
Dear, Repo workers, have u processed any documentation in lieu of, fair adjustments? or, how many people have been ( R.I.P.ed ) off / A.k.a, set/off by, the banks ' " Auto-math-ic / Automatic, transfers?

The Banks ' Reasoning?

Bee-cause " The Auto Loan Department is Under, " Staff ''. A Morbid, Virus that is only, high in response for, Collections?

Therefor. Who is Responsible for, taking property, Under contract. witch, left, a family without a reliable mode of, transportation & lost of, income that escalated to accumulated debts on, a credit report that does not, adhere a refinance or substantial new loan. Increasing a XXXX  veterans XXXX  followed by, XXXX, and XXXX?

In attempt to, Avoid Bankruptcy. Please, process
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act XXXX  the accounts 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with {$1000.00} still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.
Product: Debt collection

I received a letter regarding an alleged debt in XX/XX/2019. I responded in writing advising them that I had no knowledge of alleged debt. They again sent another letter dated XX/XX/XXXX giving me " Final Notice '' that unless this debt was paid in full within 10 days they account may be placed with a law firm in my jurisdiction to file suit. 
I responded in writing once again disputing this alleged debt. Today on XX/XX/XXXX I received a voicemail from this company demanding payment for this alleged debt. Now it is clear that they have violated the FDCPA and continuing to collect on a debt without providing any proof or requested validation.
Product: Debt collection

I received a collection notice from XXXX XXXX XXXX dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with Citibank. The debt was from XX/XX/XXXX and the balance owed to Citibank at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX XXXX letters were dated XX/XX/XXXX and both referenced the same collection with XXXX XXXX and Citibank. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the Citibank account. The second letter was a copy of the account summary they provided. 
According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. 
To the best of my knowledge I have never had a credit card with Citibank. So naturally I am very concerned that someone opened an account under my name. 
But why is this the first time I'm hearing about it? No one has ever contacted me before. 
And why are they trying to collect on a debt that was charged off 18 years ago? 
Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
Product: Credit card

Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute Regarding Unjustified Closure of Credit Card Account Dear Navy Federal Credit Union , I am writing to formally dispute the closure of my CASH REWARDS account ( Account No. XXXX ) following an agreed-upon pause of payments. Based on my understanding of our agreement, Navy Federal granted a one-year payment pause with the expectation that I would continue to pay the outstanding balance without the risk of account closure. However, despite my compliance with the agreed-upon terms, my account was closed without notice or justification. 

This action is in direct violation of our agreement and may also constitute unfair and deceptive practices under federal and state consumer protection laws. Specifically : 1. Breach of Contract By agreeing to pause payments for one year while I continued to pay down the balance, Navy Federal entered into a binding agreement. The premature closure of my account, despite my adherence to the terms, may constitute a breach of that agreement. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) Under the FCRA, lenders must provide accurate and fair reporting of credit information. Closing my account under these circumstances could negatively impact my credit standing unfairly. Additionally, under the ECOA, creditors must provide notice and reasoning for adverse actions taken against a consumers account ( 15 U.S.C. 1691 ).

3. Unfair and Deceptive Acts and Practices ( UDAP ) Potential Violation of the Consumer Financial Protection Bureau ( CFPB ) Guidelines Closing an account after promising a one-year payment pause and continued balance repayment may be considered an unfair or deceptive practice under federal and state UDAP statutes. If such an agreement was made in good faith, then the unilateral account closure appears to be misleading and harmful to the consumer. 
I request the following corrective actions : 1. Immediate reinstatement of my credit card account under the original terms of our agreement.

2. A written explanation of why my account was closed despite our agreement.

3. Assurance that my credit report reflects accurate and fair information regarding this account closure. 

Please respond to this dispute within 30 days, per federal consumer protection guidelines. If this matter is not resolved satisfactorily, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the National Credit Union Administration ( NCUA ), and other appropriate regulatory agencies. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely XXXX XXXX
Product: Debt collection

CREDIT SERVICE COMPANY , INC XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX claims I owe a debt, I have requested a copy of my signed contract and the time and date of when this occurred, I also have asked for any and all documentation pertaining to this agreement, and when this person communicated with me regarding my debt owed? I did not talk or sign any contracts with this person and I have a right to my signed documents, this company collecting a debt has no right to any medical records if that is what this is regarding because of HIPPA. I called XXXX XXXX several times requesting proof. I still have not received proof from 2018
Product: Credit reporting, credit repair services, 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 : INNOVATIVE RECOVERY AGENCY 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 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. 

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.
Product: Debt collection

Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

As a federally protected consumer, I understand that credit is defined as the right granted by a creditor as listed in the definition ( 15USC 1602 ( f ) of the consumer credit protection laws. I also understand that 15 USC 1602 ( g ) of that same subchapter, defines a creditor as a natural person who can regularly extend credit as well as the person from whom the debt arises, therefore I am the creditor who has these rights. 

I was unfairly discriminated against by Carmax who has deceptively listed themselves as the creditor and I am referencing the denial letter as proof. This denial notice constitutes an adverse action ( 15 USC 1691 ( 6 ) ) that was taken against me while I, in good faith, was exercising my right to extend credit for personal, family and household uses. This adverse action also constitutes discriminiation based upon 15 USC 1691a ( 3 ). 

I am aware that Carmax has not only deprived me of my rights under the color of law ( 18 USC 242 ) but also has conspired against my rights ( 18 USC 241 ). 

I am aware that a credit application is not only a financial asset 12 CFR 360.6, but it is also self liquidating paper ( 17 CFR 260.11b-6 ) which means it can be monetized. 
Essentially Carmax has fraudulently profited from the personal information that was submitted in good faith, and is using it to profit financially, which is also the definition of identity theft found in 15 U.S. Code 1681a ( 3 ). 

Carmax was able to gain financially from behaving indecently and with dishonor. These blatant and disrespectful proves some of the many ways Carmax is acting above the law and without respect for the standards, regulations and laws in place to ensure fair and equal treatment of the consumer. This transaction has been incredibly one-sided and I have received nothing in return except disappointment.
Product: Checking or savings account

After I had to close my account with chase bank they manager who did so had a nasty attitude and did not close or cancel the direct deposit request for my social security. Now I have to wait up to ten business days for the funds to be sent back to social security and then routed to my new account because some incompetent bank employee failed to properly ensure everything was closed and cancelled out on the account
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the credit card company because I noticed a balance for a XXXX XXXX  I never applied for was on my credit I talk to an agent and was told they would look into the problem and I never heard anything.