23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan XXXX had a system breach and we cant get in the system. Weve reached out to no avail. Once the system came back up it shows a huge balance that is inaccurate. Weve tried calling and sending emails with no response. Weve been making payments every month and shouldnt have a balance at all.
Product: Credit reporting

I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
Product: Debt collection

I, XXXX XXXX XXXX, am writing to inform you of an income in my name to the IRS in a form of 1099-C of {$19000.00} for the tax year of XXXX. This led to the IRS sending me a tax debt for XXXX in the amount of {$4200.00} due to this income that was not earned by me at any time. The complete name was DITECH FINANCIAL LLC XXXX. This company looks to be associated with Mortgage type debts. The IRS showed it as cancellation of debt in my name and Social Security number. Due to that fact, the IRS shows it as taxable income. Not only have I not had any type of debt with this company, I have not had any type of mortgage related debt in over 20 plus years. The following information the IRS has provided to me are listed below ; DITECH FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Date : XX/XX/XXXX Amount {$19000.00}
Product: Credit reporting or other personal consumer reports

Here is a list of letters I sent out to all parties with all errors highlighted and noted with violation of laws included
Product: Credit card

I received an email from Synchrony Bank congratulating me on my new card ( related to Walgreens ). I did not apply for a card and in fact my credit is frozen. I called Synchrony to report the fraud on XX/XX/XXXX. They gave me a reference number ( # XXXX ). I am still getting emails congratulating me on using this card. 

My Wallgreens reward account was hacked- they left my information intact but changed the phone #. I changed it back to mine, then called Walgreens and asked them to permanently delete my account. This was done this morning ( XX/XX/XXXXXXXX  ) In my opionion their security is extremely lax. I knew someone was using my rewards account and I reported it to them multiple times, but no action was taken. The user lives in Illinois while I live on the west coast. 

I tried contacting Synchrony Bank again today, XX/XX/XXXX. I called twice and both times they said the connection was bad and they couldn't help me. There is no way to report this online with their bank. All services are provided to account holders and no place to report fraud other than what I have already done. 

I have added a fraud alert to my credit report with all three bureaus.
Product: Mortgage

BSI changed our payment amount by about {$1.00}. We have been sending in the amount we knew we were supposed to send in through our bank by an automatic payment. This has been happening since XXXX and we didn't know because they had our wrong address on file, so we were never notified. In XXXX they decided to stop doing it that way and just held our payment and reported us late. Then they did it again for XXXX. We received a phone call from BSI as we were in the middle of buying another house for my mom who is getting out of an abusive relationship, and the person said just add 3 dollars to your next payment and everything will be okay, there won't be any lates or anything. My wife fixed the payment so that it would be correct and we were clear to close on the home for my mom, then these reports came out and destroyed our plans. Our credit is messed up and we have been calling for 2 and a half weeks and can't seem to get through to anyone who can help. The customer care won't put us through to supervisors and the one we finally did get through to will not call us back. This was all because they had our address wrong and didn't send notification that the payment had changed and stopped pulling the extra {$1.00} from escrow. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I attempt to create a temporary unfreeze and instead the automated service created a freeze that I now can not lift without a newly issued and arriving by mail pin or submitting documentation by mail. So I can not apply for the loan I need now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX are violating Metro 2 XXXX for collection companies NOT reporting where the debt is coming from ( Original Creditor ). It clearly says in Metro 2 debt buyers must report the original creditor Name. This lets the consumer know where the debt is coming from. I have disputed this violation with XXXX and Equifax. They both refused to fix, delete the collection account from XXXX XXXX XXXX and XXXX XXXX. That is reporting the account inaccurate. I have attached the violation and the Metro 2 policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XX/XX/XXXX and XX/XX/XXXX ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) XXXX XXXX XXXX {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. Names not corrected. My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address above. Sincerly, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has been pass 30 days without notifying me about my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX had made an error in there system and owned up to it but would not provide paperwork to back it up
Product: Mortgage

We had a mortgage with Wells Fargo and had applied for a Loan Modification with Wells Fargo during the XXXX time frame. For 11 months they said it was still under review and no decision had been made. After almost a year their Rep on the phone named XXXX said it seemed that the people getting the loan mods had stopped paying. After six moths of not paying and constantly calling to follow up on the status we were told we were denied. We appealed and they sent us a 35 page document that they said had to completed and faxed to them by the next day. We complied and they still did not respond to loan mod status. After nearly two years they notified that we were denied and they were foreclosing on the house. We had seen some of the notifications of settlements, but nothing that applied directly to us stating we were part of the settlement. Despite follow up calls to Wells Fargo we have been given no assistance. We were solid payers and our home was still above water when asked for initial loan modification, and by all of the publishings at the time we should have qualified. We were working through ASC XXXX American Servicing Company, and they had agreed to a forebearance program, before foreclosing.
Product: Student loan

Since the start of XXXX, I have attempted to pay my student loans in full on Edfinancial via my XXXX checking account XXXX ( XXXX ) times. Each time, Edfinancial has stated " payment reversal '' citing an issue with the bank. However, the XXXX times I've contacted my bank ( once through written inquiry, once through phone ) they tell me that my account is not restricting anything. 

I've seem many people online ( though reddit ) have the same issue with Edfinancial. Will you please get through to them? 

Hopefully this won't be dragged on and cause debt to accrue on my loans. That would be unfair, because I have tried to pay the loans XXXX ( and counting ) times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am fully ready to submit any documentations requested in order to fully support my claims and my case. 

My home and everything in it was completely flooded and destroyed on XX/XX/XXXX. Since that date, I have been diligently and carefully piecing my life back together, including rebuilding my house, replacing everything in it, and most of all, ensuring all of my bills are paid on time and all of my finances are in order. 

I first contacted XXXX XXXX about my situation in XX/XX/XXXX, where they then referred me to submit paperwork through their website to apply for emergency forbearance. Once I submitted this, I was approved due to the circumstances for deferment from XX/XX/XXXX - XX/XX/XXXX. 

What I was not initially made aware of was that XXXX XXXX was already reporting my accounts as delinquent to XXXX, who was updating this information to my credit report, and as a result, dropping my score dramatically. 

When I noticed that the accounts were being reported as late/delinquent, I attempted to dispute with XXXX, who quickly closed my cases and directed me to talk to XXXX XXXX directly. XXXX XXXX stated that their hands were tied since the delinquency was already reported during XX/XX/XXXX. 

I have always been an immaculate borrower and have never ever, NOT EVEN ONCE, been late on any payments on any accounts, EVER. I would have never even requested deferment if it weren't for the extreme circumstances as a result of the natural disaster. 

Please consider my statement and the facts I am presenting you to find an appropriate solution. My credit shouldn't be permanently tarnished due to this small hiccup as a result of a GIGANTIC natural disaster. 

Thank you.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX uses PayPal as its credit card processor. PayPay froze our account for review/investigation on or about XX/XX/year>. Their website, as stated below, says they are supposed to contact us with further info within 5 days. We have called several times to find out what the issue is and when the account will be reactivated, but no one will tell us anything. 

Reference ID : XXXX Were reviewing your information and will get back to you regarding the status of Ref ID : XXXX within 5 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify XXXX, XXXX  and Transunion that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Product: Credit card or prepaid card

Over the last week, Capital One locked access to my online account and forced me to reset my password three times. Each time I had to call Capital One, wait for a representative, tell them what is going on, receive a one-time text message, write down a temporary password from the representative, and set a new password. 

I asked to speak with their IT department yesterday, and was told that someone has been trying to log in to my account with a wrong password - likely mistaken my username with theirs. The technical support representative told me that because Capital One cared about the security and privacy of my account, they locked out my online access. 

I asked instead of or in addition to locking my account, why wouldn't they be locking out the person ( s ) who has been trying my password from accessing to Capital One 's system? This would surely prevent someone from just putting common usernames and locking other people from access their online accounts, as this basically allows anyone to conduct denial-of-service attacks on Capital One users just by knowing their usernames XXXX or just by using common usernames ). The representative thanked me for providing my feedback, and asked if I have other issues.
Product: Checking or savings account

Wells Fargo Bank continues to charge me overdraft fees erroneously and unfairly. On XX/XX/year>, their overdraft fees caused a {$6.00} payment not clear which caused more overdraft fees. I deposited money to cover the original payment and they didnt honor it because they changed the policy to money had to be deposited XXXX eastern standard time while I live in XXXX. In the past, I have deposited the night before as late as XXXX or even XXXX with no problem. I had my issue escalated and they did not reverse the overdraft charges. On XX/XX/year> I had XXXX XXXX transactions that came out of my account : one for {$13.00} and another for {$7.00}. Their policy is they dont charge overdraft if the account is less than {$5.00}. My account was {$4.00} on XX/XX/XXXX XXXX. The next day ( when they know my paycheck would be deposited ) they charged 2 {$35.00} overdraft fees for those XXXX XXXX payments. They claim now that they can only take off 2 per year and I allegedly reached my max. It is beyond sickening how Wells Fargo Bank continues to scam people by allowing charges to pend for days and then charge overdraft fees as if the customer could combat a computer system they are intentionally manipulating.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report 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

I've been communicating with TransUnion, XXXX, and XXXX about my XXXX XXXX XXXX XXXX XXXX XXXX  that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX Opened XX/XX/XXXX {$730.00} My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

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

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX
Product: Money transfer, virtual currency, or money service

To VISA Debit Card ... XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Invoice ID XXXX Transaction ID XXXX My XXXX XXXX XXXX account has not received the refund, to my understanding this payment was made via PayPal