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

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit card

Was over charged, did not receive a refund problems with customer service misleading advertisement
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, XXXX, and moved to XXXX, XXXX  within XXXX months of starting the XXXX XXXX program. When the school moved from XXXX, XXXX  to XXXX, XXXX  they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, XXXX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 
It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the financial aid XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, XXXX  to figure out what was going on they had moved from XXXX to XXXX, XXXX, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the XXXX of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the loss of accreditation. 
I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity, and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Product: Debt collection

XX/XX/XXXX : received mail indicating XXXX XXXX XXXX XXXX XXXX has named me as a defendant in a lawsuit. The amount I'm being sued for is {$56000.00}. This is a private student loan taken out in XX/XX/XXXX.

This mail did not come from the aforementioned party or the agency which bought my debt ( Weltman Weinberg & Reis Co. LPA [ WWR ] ). This mail came from a law firm, with language suggesting I file for bankruptcy.

I have yet to be served for this debt, so there is no scheduled court date.

A phone call with WWR on XX/XX/XXXX had me sending an email containing two pay stubs, two bank statements, and a thorough listing of monthly expenses, in addition to a monthly payment offer I believe I can reasonably make. I was told that my offer ( $ XXXX/mo ) would be either approved, denied, or met with a counter-offer. The counter-offer was nearly double my own ( {$400.00} ), and additionally would require that same amount ( {$400.00} ) from my co-signer of the loan from XX/XX/XXXXthe cosigner being my mother, who is retired and living on social security. My mother filed for bankruptcy herself back in XX/XX/XXXX, at which point she and my father lost their house and now rent a one-bedroom apartment. I've been told that even with regards to her hardship, the party will continue to pursue my mother for this debt that should have been discharged.
Product: Debt collection

To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX2020 I attempted to call Experian. I waited 30 minutes only to have the gentleman who answered hang up on me within 1 minute.
Product: Mortgage

In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.
Product: Debt collection

I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.
Product: Credit card

Macys credit card, XXXX. Fraud alert, approximately $ XXXX used at XXXX in XXXX. I reported it as fraud and they stated they would deal with it. Following the initial phone call I 've attempted to reach out and pay my bill and to no avail. I was locked out of my account which STILL states I owe XXXX, I can not access any remaining information on my card ... such as transactions. I attempted to message them and ask if they could unlock it, or tell me the transactions. They proceeded to tell me how to activate a new card ... I 've tried to reach out on the phone only for someone to muffle into the phone -- 60+ minutes -- and try to tell me to pay the XXXX on my new card and leave the old account.. NO IM NOT LEAVING THE OLD ACCOUNT, WHICH IS CONNECTED TO MY INFORMATION. It 's been a month of me trying to get the XXXX off my bill, which is showing up in correlation to my credit score. I 've canceled the card today and have request a paper stating both account are " XXXX and closed '' but I am unsure if it will dissapear. because as of now my online account still shows a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the attached Police report regarding a person that used my identity I have been attempting to deal with American Express on this fraudulent account. I have requested removal of this account since 2016 and I continually get form letters and no resolution. Please help resolve this once and for all. This debt is causing my unexplainable financial hardship.
Product: Credit card or prepaid card

I have a dispute opened and " resolved '' with Citibank over a Wayfair purchase. The dispute number is -- -- -- -- --. I have sent several emails to their billing disputes department after they " resolved '' the dispute, because they said if I wish to pursue it further and have more documents, I can send them an email with the updated documents. I have sent several emails and they are claiming not to have received any of my further documents. I still have this charge on my credit card currently. 

I bought three bedding items from Wayfair. The items arrived with some stains all over the items and packaging. I reached out to Wayfair 's customer service with photos and they approved all three items for a return ( as attached ) by XX/XX/XXXX. 

I was instructed to leave the box with all three items outside my apartment on Friday, XX/XX/XXXX. Wayfair AND the email they sent me said I did not have to be home for pickup. I left the items in a box with the label whose tracking number was -- -- -- --. When I came home from work that day, the box was gone. After a few days, I checked the tracking and nothing appeared, so I reached out to the customer service. They responded that there was nothing they or I could do. Because the tracking information was not showing up, I would not be getting a refund. I no longer have the items and I'm now on the line for {$1300.00}.
Product: Debt collection

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The company stated that there was a payment on the account, however the customer service professional stated that someone called in about a payment was made with a stolen credit card. The lady was very indignant and told me that I needed to pay on the account. I have not made a purchase on this account in years and then all of a sudden there was a purchase made. It sounds like an inside job to me.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : : 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: Credit card or prepaid card

Chase Bank has started to hold put a 7 day hold on my payments to my credit card. They started doing this within the last two months. I contacted them, and I get different answers as to the reason why, and sometimes the customer care associate states they don't know why the system is placing the hold. The hold is placed, even though the funds are electronically withdrawn from my bank account. When I escalate to a supervisor, they just say there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, XXXX We sent registered mail to WFBNA CARD to opt out each request and demand was ignored. We are filing this CFPB complaint Per the FCRA as a federally protected consumer i am now Opting out of any and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7 ( f ).
Product: Credit reporting or other personal consumer reports

Im unable to access my credit report or file a dispute online with TransUnion. Theyve informed me that it's an internal issue that needs to be resolved on their end, and suggested I submit a dispute over the phone. However, I wont be able to submit any supporting documents, which are essential for my case. As a result, I had to get my credit report from third-party agencies like XXXX XXXX and XXXX to verify the accuracy of their information on the account below. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Account/ Loan # : XXXX This account is currently reporting inaccurately : I had a forbearance plan with XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> and then a modification trial payment plan for the XX/XX/year>, and it is listed on my monthly statements that have been provided. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. 
You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> my daughter and I called financial institution to find out why it was a charge off on my report. We were transferred to the fraud department and were told it was indeed fraud and they would send a letter to me explaining I was not liable and also they were to have it removed from my report. 5 week later no letter. After numerous phone calls to same person as before i received a call from him on XX/XX/year> saying he would resend it out and to this day still have not received a letter and it is still appearing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Equifax a dispute letter pertaining to incorrect information they were reporting on my credit file. [ copy of said letter is enclosed ] On XX/XX/XXXX, I sent an additional letter pertaining to the same XXXX XXXX  they reported as 120 days late and still active. None of this was accurate. I also requested they send documentation of this erroneous info bearing my signature and any other documentation that would corroborate this falsehood. 
I also pointed out that failure to provide this information within 30 days as required by the Fair Credit Reporting Act would be a violation of Federal Law. After allowing adequate time for their response I sent a follow-up letter on XX/XX/XXXX [ copy enclosed ] On or about the XX/XX/XXXX they sent an email response, although I did not provide one. It has been fruitless to attempt email communication with them as their system denies me access to their response. That is exactly what happened again as always. Hence I telephoned them on Monday the XX/XX/XXXX, the first time their offices would be open since I received their email response that I could not access. 
This was well after the 30 days permitted to respond by Federal Law. In my conversation with their personnel earlier today he lied and denied receiving the XX/XX/XXXX letters. He would only admit to responding to my XX/XX/XXXX follow-up letter. 
I still have not received any of the verification documents required in my XX/XX/XXXX letters. Therefore, I am demanding the deletion of this negative information from my file as required by The Fair Credit Reporting Act. If required I will be happy to supply proof of the certified letters sent via U.S. Mail. 
The other reporting agencies, XXXX  and XXXX, have long deleted this damaging information.
Product: Credit reporting or other personal consumer reports

I have an account on my credit profile from XXXX XXXX XXXX that I have no knowledge of and when I disputed the account it came back as verified. They didn't provide any proper verification ( a contract signed by me ) to verify that I'm the one who opened the account. I was impacted by the Equifax data breach and when I login into my credit monitoring sites, they say my information have been exposed on the dark web. This fraudulent account is causing serious harm to my financial situation, and I demand it be deleted at once before I am forced to file for litigation. Proper documentation will be attached to this complaint to support my case.