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

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

i have disputed this account multiple times with this collections agency. they have refused to provide documents to show any information regarding the origins of this account and have been extremely uncooperative. this account does not belong to me and I want it deleted immediately.
Product: Vehicle loan or lease

I was behind on my payments and went on line for help. They said I had to write to them for payment help due to hours cut from COVID19.  I wrote on XX/XX/XXXXand made one payment. I told them about the rules from the Arizona Attorney General which advised all vehicle loan financiers to waive payments for 90 days and extend to put on the end of the contract with no additional interest, due to financial problems from the Coronavirus shutdowns in Arizona. 

They did not respond to me But repossessed car in XX/XX/XXXX without any notifications. I made numerous calls and spoke to many people trying to get my car released. I spoke to manager of reinstatements, customer care department. I send documents to them which they said they would send to the legal department. They set up a case and promised they would have it reviewed by legal, but never did. they also set up a customer care case and promised a response in 3 days and never got back to me, case # XXXX, all on XX/XX/XXXX and as of today, XX/XX/XXXX, not a word back from them.
Product: Checking or savings account

On/ Around the second week in XX/XX/XXXX i noticed my account frozen And inform my fiance of it so we could contact money lion we did then they stated to us that there was suspected fraud on the account but didn't tell us the reason why then after arguing with them and going back-and-forth they finally said there were suspicious deposits made. I immediately inquired as to what the deposits were and only assumed that they were my fiancees because that's the only deposit that we're going in there and that is because he is the sole provider and works out of town so that is how he makes sure I'm supported while he's gone. so they said they needed to verify my i identity, my husband 's identity, proof of address for us both, and a written notarized letter stating he did make those deposits to my account and the reason for it. We then submitted all that documentation and we're told to wait 3-5 days. The response was anywhere from the pictures weren't good enough that don't accept screenshots 2 we need to provide proof of address for our previous residences. We were only able to provide the most recent previous resident proof of address but they wanted At that point and we were unable to provide that I'm told that the only thing holding the account up from being unfrozen was the proof of address from an address in which my mother lives and has a restraining order against me or at least did at that time and I had no way of getting a piece of male from that address with what they wanted on it. So months and months went by and we contacted them again today XX/XX/XXXX. They then all of the documents re submitted They then all of the documents resubmitted and Proof of current address which unfortunately we do not have because we were displaced by the storms back in XXXX and XXXX and our home was destroyed and we were forced to relocate to XXXX XXXX XXXX and been staying in hotels With the help of XXXX at first. So finally they come back they submit all the other documents and then an explanation as to why we don't have a proof of residence at this time. Which I feel is completely irrelevant at this point. And again today we were told we had to wait 3 to 5 business days. I again asked him to specifically give me the detailed reason as to why the account is still frozen and they went from saying that there was a statistic activity on the account to I Violated the demand deposit agreement but did not say anything else about itBecause as she said that I was reading the demand deposit agreement and read off to her the specific section where it states if I give somebody expressedPermission to make deposits into my accounts whether once or reoccurring that I am allowed to do so. And the supervisor shut down said she wasnt authorized to say any More and then I would have to wait for the response through email. Also I wan na note that while we're providing tons of emails this is not even close to all of them a little less than half actually But if the others are needed at a later date we will provide them A lot of them are repetitive.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with TransUnion regarding fraudulent information on my credit report as a result of identity theft caused by the XXXX and XXXX data breaches. Under 15 USC 1681c-2 ( a ), I have the right to request that these fraudulent items be blocked from my credit file. Despite providing documentation to support my identity theft claim, TransUnion has failed to appropriately address or remove the erroneous information. I kindly request your assistance in ensuring compliance with this law and protecting my credit file. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Balance - {$0.00} XXXX Balance - {$0.00}
Product: Vehicle loan or lease

I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by XXXX Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Sent {$2000.00} to Amerihome Mortgage Company acknowledge was received on XX/XX/2020 to be applied to my mortgage " Principal Only. '' Instead was placed in " Suspension. '' After numerous calls and hours spent on hold to have this payment applied to my mortgage, was told the {$2000.00} would be returned to me. 

After 30 days, the refund still not returned. I've sent a certified letter, countless phone calls, and still no refund. It is impossible to get any resolution with this company.
Product: Credit card

I have just disputed a reoccurring unauthorized multi charge from the vendor XXXX XXXX and they continue to build me each month for {$2.00}. I have tried numerous times to contact XXXX XXXX  and when I log on to my calendar it says I have no active subscription it does not give me a choice to cancel or call this account. Wells Fargo has disputed discharge multiple times and close my credit card account issue me a new credit card number and XXXX XXXX continues to charge me monthly fee on XX/XX/XXXX of XXXX. I have asked Wells Fargo to block this fender numerous times and also file a complaint with the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX XXXX first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XXXX emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately
Product: Debt collection

This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs Aramis cabrera it states case : XXXX 2016. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of XXXX XXXX which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being in prison so who ever u was talking too was not me. Toys r us doesnt even exist so how could u possible collecting a debt from them and valid date it
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissapointed to see the Credit Buraeus take no action in order to correct my Credit file and and delete the fraudulent information in my Credit report. I have been send ing dispute letters as well as submitted countless complaints through the CFPB in order to notify the Credit Bureaus regarding my intention to correct my Credit File. The last letter I sent to te Credit bureaus was XX/XX/XXXX, in hopes that the Credit Bureuas would finally take a look on my Complaints. By ignoring my Dispute letters and failing to respond, the Credit Bureaus have failed to comply with the FCRA regulation especially with the FCRA section 605b which requires the Credit Bureaus to remove any account and information that resulted due to Identity theft. I am tempted to pursue legal action against the Credit Bureaus and I have informed my legal counsel about my plans and they are more than willing to help me. If it is not too much trouble, I need the following items deleted as soon as possible. XXXX XXXX XXXX XX/XX/XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, OK XXXX XX/XX/XXXXOpened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX. XXXX, XXXX XX/XX/XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XX/XX/XXXXInquiry Date XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. If the Credit Bureaus insist that these items belong to me, I need them to provide me with documentation that contain my siganture to support the Bureaus ' claims that the items were mine. If unable to do so, Remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to update or correct these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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 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.

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: Mortgage

In XXXX XXXX I tried to remortgage my home thru WellsFargo. I made arrangements to make 6 months reduced payments with the understanding, I would be able to refinance at the end of that time if payments were made on time.. They were and my loan was denied, according to wells fargo my Investors denied my 
efi-loan. I know Wells Fargo is under investigation for denying mortgages during this period and I feel I was one of them .In XXXX of XXXX my home was foreclosed on. I had been in that home 12 years and it was my retirement home. Since that time I have had to move several times and I am XXXX XXXX XXXX and feel I should be considered for this lawsuit.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach and identity theft. Several unauthorized accounts and inquiries have been reported on my credit file, and I am requesting that they be immediately blocked and deleted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Unauthorized Accounts : 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 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 XXXXXX/XX/XXXX