23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or about XX/XX/2017 received bill from XXXX the amount was {$410.00}, then XX/XX/2017 the bill was $ XXXX.I was told by the representative for XXXX my bill was paid up for XX/XX/XXXX. and XX/XX/XXXX,. but in XX/XX/XXXX I received a statement on .XX/XX/2017 that I owed {$50.00}. Paid the {$50.00}. Same acct numbers.INCONSISTENCY with the amounts with XXXX.On XX/XX/2017 I received a bill for $ XXXX.On XX/XX/2017 received a bill for $ XXXX.In XX/XX/2017 I received a bill for {$340.00}. This has been going on for a year. This acct. was transferred from XXXX XXXX XXXX XXXX   and none of these Inconsistencies. Since XXXX took over the accts I have seen different amounts every month.Every month my husband have to talk with the representative giving them the ok to speak with me giving authorization to XXXX. I have sent two copies of release of authorization forms for me to handle our son 's acct. We have repeatly asked for an audut for our sons acct. and have not received anything.With XXXX you never know from month to month what your payments will be. The flunctations of payments and the reason for such fluctations.We are suppose to be paying the interest on our son 's loans but each and every month different amounts. Exaggerate payments from month to month even when you are not delinquent with no reduction in balance because of incompetent representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my personal information stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21, I wrote Transunion, XXXX, and XXXX regarding inquiries and verification/validation of debt. I do not believe the bureaus responded in a timely fashion, and I haven't received the requested information within the letter sent ie original contract with my signature on it. Please see attachment letters.
Product: Mortgage

I entered my information online to a provider, or broker, of mortgages for the purpose of refinance. I never completed the application by selecting a product ( rate, points, etc., and term ) and " submitting '' the application. The provider only offered XXXX refi 's online when I already have a XXXX and want to refi to a XXXX. This is why I never submitted the application for a specific product XXXX loan ). I requested the provider remove all of my information from their system. The provider responded they could not based on 1026.2 Definitions and rules of construction, and stated they are required to keep my information for at least 24 months. 

In the official interpretation of 2 ( a ) ( 3 ) Application, 6 pieces of information are required to be considered an " application '', including the last item # 6, " the mortgage loan amount sought ''. 

I did not provide the mortgage loan amount sought since I was not able to select a product that I was looking for, i.e. XXXX loan. The mortgage loan amount sought can vary significantly based on rate XXXX points, fees, etc. ) and duration. I never selected a product or loan and therefore did not provide the mortgage loan amount sought. The loan amount sought is not my current liability for the property. 

**Please provide the definition of mortgage loan amount sought ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove this unverified account by the name of XXXX XXXX, from my credit report. As reported and I demand for swift action on Equifax part. Additionally, this compliant also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, EQUIFAX is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that they did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged Auto Loan. This Auto loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that EQUIFAX do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that EQUIFAX included in your consumer reports that you prepare concerning me. EQUIFAX Your prompt attention to this important matter is requested to comply with federal law.
Product: Mortgage

Our homeowner has been actively pursuing a sale of their home over the last 7 months. While he is behind in his payments to Nationstar Mortgage, he is doing everything in his power to sell his home and payoff the loan in its entirety. To this point, we had failed in finding a successful buyer but now we have a full price offer that more than covers their payoff. I have been in contact with nationstar for payoffs and this week I was in touch with them on XXXX XXXX asking them to delay a foreclosure sale date for this upcoming XXXX, XXXX XXXX, 2015. To this point, they have failed to process the documents timely and are denying a postponement of the sale. They are delaying getting their own internal payoff numbers and this is causing potentially devastating harm to our owner. At this point we need Nationstar to extend their auction date in order to allow us to close our sale and allow the payoff of the loan. Our homeowner will not lose his home, he will file bankruptcy as a last ditch effort to save the home he has lived in for nearly 20 years. Nationstar refuses to listen to our plea and repeatedly cuts us off during conversation. The problems they claim to see on the documents, are not real problems, and they will listen to our explanations for them. We need someone to step in and handle this.
Product: Debt collection

This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be  liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative  items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only TransUnion said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Product: Credit reporting or other personal consumer reports

*I have been paying the XXXX Monthly min they are reporting that I am not paying. 
* XXXX XXXXXXXX XXXX is not my account I have disputed on XXXX XXXX and I have not heard anything back about this account. 
*Wells Fargo Card Serv I am paying the min required each month however they are adding late charges and fees and extra charges. 
*XXXX XXXX XXXX I am unsure why I am getting a bill from them
Product: Checking or savings account

If I was able to leave a XXXX I would!!! i have been with USAA for 20 years, that being said. When someone hacked into my account, took XXXX out of my account I filed for fraudulent activity! USAA employee told me they'd look into this, and would take about 5-10 business days. I then try and go into my account to make sure no more money was taken I no longer had access. It took me waaaaaay too long trying to get a hold of someone to tell me " Oh that's just part of our process '' Um, don't you think that should've been mentioned during the FIRST phone call!!! I'm literally about to have a panic attack thinking someone got into my account again!! A day later they call back, and said there's NOTHING they can do about it!! They then proceed to tell me that they are going to unfreeze my accounts despite not having any information or handling this fraud stuff!! I then asked is my account and my information 100 % safe, the USAA employee then proceeded to inform me they can NOT keep my information or my account SAFE!!! After all of this we find out they do NOT have a fraud department, it's all XXXX!! RUN AROUND AFTER RUN AROUND, so after 20 YEARS I AM DONE!!!!! All my employee friends and family will know about this!! I will make sure the military know as well!!!!
Product: Checking or savings account

On the week of XX/XX/XXXX I had noticed that my checking account I have with Chase bank had recorded 0 activity on it. Whether deposits ( which in actuality were transfers from my XXXX account and also ACH 's ( such as my mortgage payments, one Credit Card payment and also my Utilities Bill. On Monday the XX/XX/XXXX I stop by the Chase bank on XXXX XXXX in XXXX and was told, " compliance department needs to verify my social security number. Filled an SSA form at the bank and was assured it was sent three times and that compliance department would review and unfreeze my account in 24 hrs. It did not happen. Called Chase Compliance department on XX/XX/XXXX and after 45 minutes on hold, the guy I spoke with said that he would at least allow my two mortgage payments to go thru and that the accounts ( both checking and savings ) would unfreeze and funds would be available on the next day which would be XX/XX/XXXX.

on XX/XX/XXXX, not only were my funds not available, both balances on my checking and savings were wiped out. Both showed {$0.00} Balances. Alarmed I go to the CHase Bank, XXXX XXXX location. Spoke with XXXX who was telling me she called and spoke to XXXX XXXX in the Retail Fraud Department who had promised he will expedite and funds will be available in 1 business day. On XX/XX/XXXX funds were not available. Ws promised by XXXX they would be available on XX/XX/XXXX. On XX/XX/XXXX funds were still not available. Spoke on the phone with XXXX and also XXXX ( regional and/or other bank manager ) who assured me funds would be available by XX/XX/XXXX,  Tuesday. I go to the bank this morning XX/XX/XXXX and funds are still not available. After wasting another two hours, I got the same run around I have gotten every day since XX/XX/XXXX, even from the branch manager XXXX XXXX who put me on the phone with a XXXX XXXX in the " executive office '' who pretty much fed me the same hogwash I have heard from everyone at Chase since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to state revised code : The Capital One account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Debt collection

In observing the complaint being finalized again and not being in the favor of the victim of identity theft, I would like the opportunity to express my points again and re-open this case. 

XXXX the representative that continues to point out false claims that XXXX is the original opener of the account in this matter once again proved another point that only concretes my statement. 

XXXX phone number that was mentioned being tied to the account is XXXX. 
That number mentioned Is not connected to XXXX. 
I have taken the time to dispute that phone number on the account with Experian- ( proof attached ) It is only tied to Me because he used that number on numerous other accounts to open fraudulently. 

If these signs do not prove that this is familial identity theft, than maybe there is another issue to be addressed with the way this investigation has been handled. 
XXXX has the ability to use my social security and by living in the same home he could have easily intercepted a SMS text message as well as invaded my privacy. 

With that said, I would like to have another representative take a look and review all documents and writings pertaining to this matter. 
I will also like to have documents showing XXXX phone call logs, recordings if possible, ANY signed documents with the falsified signature, as well as the documents linking the paid statements to XXXX financial account ( s ) Currently with how this is being handled and the severity of XXXX XXXX, police reports and restraining orders being taken lightly- I believe its in my best interest to receive these documents so I can forward them to a legal team to better handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Debt collection

When I was called on the XXXX/XXXX/15 I informed the collector that I was aware of the debt, but that the due date for payment was not until XXXX/XXXX/15 and that I had written confirmation from the original owner of the debt ( this resulted from charges following vacating an apartment ). I also told them that I would pay the original creditor on or before the due date provided to me and requested that they not call me. I received a second attempt to collect a " debt '' today XXXX/XXXX/15 for a debt not even due yet. 

I have written information from the original creditor that specifies a due date that has not yet passed. 

I requested not to be contacted in my original conversation on the XXXX of XXXX. 

This debt can not be valid because the date payment is due has not passed. 

When I explained these things my call was terminated without notice and no resolution was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.