23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In reviewing my credit report on XX/XX/23, there is a collection account I do not recognize as XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from report.
Product: Debt collection

Debt XXXX keeps putting a collection account on my credit that is not mine. I have had the debt removed XXXX times and again its on my credit. XXXX years of this nonsense. This collection company is committing fraud. It affects me because its causing my credit to be affected. This collection agency is intentionally causing harm and buying accounts that are fraudulent and incorrect. Please help me this company has continued to reinsert this fraud on my credit. They change the dates and attaching to my credit multiple times. The company has been advised over and over. I have disputed this debt and it was removed XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC is continuing to list a fraudulent address and a fraudulent inquiry on my credit report. I have written them on several occasions and alerted them this information is fraudulent and have asked them to remove it. There is a fraudulent address from XXXX IL and a fraudulent inquiry from XXXX CRD SVC listed. I have written Equifax Information Services LLC on several occasions that these items are fraudulent and have asked them to remove them. They ignore me and never respond. Please make Equifax Information Services LLC remove this fraudulent information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My Ally Auto Finance is due on every XXXX of the month. I paid it on the XXXX or XXXX of the months. However, Ally Auto Finance is reporting it 30 days Late. Prime example, my due date was on XXXX XXXX, I paid on XX/XX/year>. However, Ally Auto Finance posted the payments on XX/XX/year>. As result, it was reported late. I Always PAID via XXXX XXXX XXXX. Ally Auto Finance refused to correct the ERRORS. Enough is Enough, at the beginning of the loan Ally Auto Finance representative improperly Entered my BANKING information into the computer. Ally Auto Finance representative admitted that the previous representatives mistakenly entered the wrong banking information. And yet, still refused to correct the errors on my credit reports. I even had to make payments arrangements because of errors. Ally Auto Finance is affecting my credit. I NEED ALLY AUTO FINANCE TO CORRECT THE ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX  has also failed to comply to multiple federal and state laws under the FCRA.

Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports 15 U.S.C. 1681 ( m ) ( 3 ) Maintaining criteria on file. A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer. 
15 U.S.C. 1681 ( m ) ( h ) Duties of Users in Certain Credit Transactions ( 1 ) In general. Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection. I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which they spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately ; it is a crime to threaten lawsuit with & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date, I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Student loan

I was placed into Administrative Forbearance but they are still accruing interest on my loans even though I am still awaiting them to process my IDR application. I am supposed to have XXXX XXXX interest.
Product: Debt collection

I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.
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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to reage and resell ancient data about inaccurate accounts- XXXX had me take out a loan but refused payments, XXXX  is doing same and in title holdover status right now. This is credit XXXX by XXXX corporations that only care to ruin peoples lives, not help them rebuild. XXXX and XXXX are XXXX new accounts- even after they got paid. These companies own 90+ % of credit card market and should be investigated. same with XXXX XXXX XXXX XXXX XXXX  continues to refuse the XXXX difference owed me. XXXX XXXXXXXX is refusing new accounts- for years they refused to remove errorneous data- refused to close the accounts and extorted me. XXXX XXXX XXXX  recently is doing same even with banking history with them. carmax loans cars upside down 2 :! so you cant get out from under them, throws mandatory gap insurance in your face ( it is mandatory unless you have XXXX in your pocket when buying the car, most dont ) and continues to extort. XXXX continues to report slanderous statements whic are simply not correct.
Product: Checking or savings account

In being very careful not to duplicate a complaint, this complaint is about a Specific issue and Need. This complaint is against Wells Fargo Bank, relevant to not following through with what they say they will do. This is a formal request to Wells Fargo, as requests by phone are not complied nor followed through. I am formally requesting any account with Wells Fargo in my name to IMMEDIATELY BE CLOSED AND A CASHIER 'S CHECK SENT TO MY HOME ADDRESS IN WHICH THE ACCOUNT WAS OPENED IN -- -- ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX. 
XXXX GEORGIA XXXX I have only opened a Checking account and a Savings with Wells Fargo. Yet upon a recent answer to a CFPB complaint by Wells Fargo, there were ( 5 ) accounts listed. Question is : who opened these other accounts in my name?? There is nothing with Wells Fargo that surprises me. Who authorized these other accounts to be opened in my name?? Accounts were to be closed on XX/XX/2023 by XXXX with the XXXX XXXX. She confirmed account closure, with a Cashier 's Check being mailed to my home address. Apparently, she didn't follow through, and these accounts remain open with ONGOING FRAUDULENT ACTIVITY!!!
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX XXXX XXXXXXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00}.
Product: Mortgage

Arvest Mortgage let me take the money I could not pay and put to the back of the loan but now they to want to change the agreed upon terms to something less favorable for me. I do not have what they said in writing but we verbally agreed to this contract. I had a covid related hardship and that I could not get my rental house rented out due to covid restrictions, but now that I have rented the house I will be able to make the payments at starting XX/XX/2021. Arvest Mortgage wants to change the terms of our agreement. They have sent me numerous letters and even an registered letter to force me to call them. Each letter also says disregard this letter if you already know what you are going to do. I want the terms in which the money I did not pay was moved to the back of the loan, as we agreed on with no changes. I am unable to make an online payment because they want me to pay the money I did not pay back right now breaking our agreement. Or they want me to enter into a new unfavorable agreement. Arvest Mortgage asked for personal information about my tenants which is confidential and legally they are not allowed to ask these types of question. I only want to continue payments on XX/XX/2021 as we agreed upon. My interest is almost all paid off and I do not want to have to start all over again paying interest. They want me to modified my loan in such a way that I will end up paying mostly interest instead of principle.
Product: Mortgage

I was in forbearance due to covid. It ended XX/XX/2022. I am in the process of applying for a modification. I have had to send the app twice. I called on XX/XX/XXXX to check on status and make a mortgage payment and was told i could not make a payment and that my house was already under foreclosure. I was not even late on a payment so to prevent me from paying my mortgage and placing me in foreclosure putting me in an even worse situation is unbelievable. Noone called to follow up like they said they would. It is now XXXX and my modification app is still pending. No idea when that will be done and noone has called to speak to me about it. I cant access my account online. There is no true system in place to help anyone. THEY WONT LET ME PAY MY MORTGAGE. I WAS NOT EVEN LATE YET. NOW I AM.
Product: Credit reporting or other personal consumer reports

This is my final attempt to cure and remedy this matter before seeking further counsel in regards to my last complaint XXXX, which I am following up to. XXXX has failed to supply me with authorization to share my non public information with non-affiliates. I have never signed an authorization for them to do so and all their responses are false and misleading. I was assured my non public information would not be shared with non affiliates. Otherwise, I have been mislead by XXXX and its use of language and securities fraud. This company refuses to upload the authorization to share with non affiliates to the CFPB portal and operating with great deception. As a financial institution as defined under title 12 U.S Codes it had refused to respect my privacy and my rights and continues to violate me and respond partially to my complaints.
Product: Student loan

On XX/XX/XXXX I sent {$310.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that deduction is Department Education Studen Ln XXXX. In fact, the XXXX showed up as pending on Mohela 's side for several days then it disappeared without it going towards my balance. 

On XX/XX/XXXX I sent {$500.00} to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then this disappeared without it going towards my balance. 

On XX/XX/XXXX I sent XXXX dollars to Mohela from my XXXX XXXX checking account. On XXXX XXXX side, it says Mohela deducted the money. The tag for that education deduction is Department of Education Student Ln XXXX. The XXXX dollars showed up as a pending payment on Mohela 's side for several days then it disappeared without it going towards my balance. 

Keep in mind I am sending daily payments of XXXX and these payments are going towards my balance. So I am wondering why some payments are going towards my balance and others are not, especially my larger payments. I am nervous about sending payments to Mohela because they have demonstrated in the past that they lose money. I had to complain about them in XX/XX/XXXX when they could not find XXXX dollars that I sent to them for a loan payment. When I called, the supervisor hung up on me after waiting for over 90 minutes to speak with someone. I want to pay my bill and have great credit but again nervous about sending payments to Mohela who is known to lose payments. I need help
Product: Credit card or prepaid card

I have been disputing fraudulent charges on a Mattress Firm Credit Card/Synchrony Bank since XX/XX/XXXX. 
The card has not been in my possession since XX/XX/XXXX. The card was paid in full in XX/XX/XXXX 
Additionally, my name changed from " XXXX '' to " XXXX '' and the card charged was under " XXXX '', a name or signature I haven't used. 
Synchrony Bank sent me a new card in XX/XX/XXXXdue to the previous card expiring. I did not receive this card in the mail, nor was I notified that I was being sent a new card. 
In XXXX, I was sent a bill for nearly {$11000.00} in XXXX XXXX charges. I disputed these charges and the bank denied my dispute saying that " the telephone number used to activate the card was accurate ''. 
Additionally, in XXXX, XXXX XXXX  notified me that they had declined multiple charges at XXXX XXXX locations due to fraud, due to someone taking information from myXX/XX/XXXX account. 
I provided this information to Synchrony Bank, as well as information on my whereabouts when these charges happened, proof that I was at my office located over 1 hour and 1 state away from these XXXX XXXX locations, but was still denied. 
I continue to open the case back up, but keep being denied. Synchrony Bank was not able to release if there was a signature obtained during the transaction and if an ID was required when these purchases were made. 
Dates charges appeared on Synchrony Credit Card : XX/XX/XXXX : {$1000.00} in XXXX, Illinois. ( XXXX XXXX ) XX/XX/XXXX : {$2000.00} in XXXXXXXX XXXX XXXX, Illinois ( XXXX XXXX ) XX/XX/XXXX : {$5700.00} in XXXX, Wisconsin ( XXXX XXXX ). 
XXXX Credit Card charges - XXXX XXXX charge attempts DECLINED : XX/XX/XXXX : {$810.00} ( XXXX XXXX ) XX/XX/XXXX : {$370.00} ( XXXX XXXX ) I am in need of support as I feel I have provided every bit of proof that I can. XXXX XXXX  is willing to provide documentation on their end to show these were fraud charges and Synchrony Bank is still denying me.