23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a request for help, forbareance from my mortgage company in XX/XX/year>. I received a letter stating I was denied only because I was not more than 61 days late. I am only in this situation because of their loan officer and affiliation with the builder. So that fact that they refuse to help me because I am doing everything not to XXXX up my credit and my life, is ridicules and not right! I just retired from the XXXX XXXX and this duplex was suppose to be my saving grace in retirement yet it has only been my nightmare. I have not heard of the only way to get help is to be more than 61 days behind. This builder their builder refuses to fix anything on my home making it unlivable and this mortgage company thinks they are not responsible for putting me in this situation but they are. I still have not even had my 11 month nail pop and door adjustment that I need. My floors are coming up, crazy humidity in the home mold on the AC unit in the attic, trim/caulking coming away from the walls, pipes coming undone behind the wall ( which my insurance company is suing the builder as well ), and the list goes on. I sent them an email XXXX XXXX with lots of documentation and no reply. They are the only reason I am in this mess forcing me to close on this home and I told them it was not up to part. Now I am stuck with his nightmare and they want even help me by reducing my interest rate. I can't afford to ruin my credit now that I am retired and I want. I will give my last breathe to try and pay this yet I should not have to struggle like this for something they did to me! I feel this company is only saying no because they are in bed with the builder. I have the email from their lender telling me I had to close on the home. I spoke to him over the phone twice at closing trying not to buy this home. I was bullied into buying this home by this lender, now they want help me.
Product: Checking or savings account

I opened an account with TD Bank through https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/. It offers " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. " I completed {$5500.00} of direct deposits ( verified with paystub emailed to a representative ). The bank is refusing to pay out the {$300.00} bonus, as they are claiming I opened the account in branch ( I opened online ) and I used a direct mail mailer not targeted to me ( I used a public internet link ).
Product: Debt collection

XXXX XXXX XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.
Product: Credit reporting or other personal consumer reports

My information was exposed during a Data Breach and Ive noticed inaccurate and unauthorized fraudulent accounts and inquiries. 
Please remove all accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX Compliant file XX/XX/XXXX includes attempts and requests to resolve this issue as far back as XX/XX/XXXX. 

The accounts are inaccurate. However, Experian received notarized letter and proof of my identity. I have proof of delivery receipt. Five months later, the Credit Bureau has not been able to verify/validate this as my debit. After multiple requests, I have not received credit applications or contracts with my signature. Yet Experian is continuing to report the below accounts as my debit, furthermore violating the Fair Credit Reporting Act, Section 609 and Fair Debt Collection Practices Act. 

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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX Creditor XXXX XXXX XXXX AT XXXX XX/XX/XXXX {$2200.00XXXX XXXX XXXX XXXXal XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$90.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 1

5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

information compromised by cyber hack.
Product: Credit card or prepaid card

I opened up a credit card and it was 12 or more months no interest. My credit limit was {$8800.00}. I received my bill and the company allowed someone else to more than double the limit. I had not problem paying the {$8800.00} limit! But they not only wanted all the money I was paying & the majority of the money was going to the interest so I felt I would be paying this account for the rest of my life! I sent a letter to the president and she refused to try and work something out! Is there anyway I can sue them? I am now have XXXX and do stressed out! Barclay card really did me wrong & I dont want that to happen to anybody else Please help me I borrowed money to get it down so I could pay it off but now I am still paying on the other loan & I am struggling
Product: Credit reporting, credit repair services, or other personal consumer reports

People of United States of America, XXXX, XXXX XXXX, XXXX  XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. 

On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. 

All information was received and signed by " XXXX '' on XX/XX/2022. 

The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. 

I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This complaint is a follow-up from my previous CFPB complaint ( ID # : XXXX ). On XXXX XXXX, XXXX, XXXX, my current PSLF loan servicer, sent a letter that confirmed that the time I worked at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) had been approved as eligible under the employment criteria for PSLF forgiveness consideration. On XXXX XXXX, XXXX, I spoke to XXXX, a XXXX representative ( ID XXXX ), who informed me that my loans were not under a qualifying repayment status, which has barred considering my time at XXXX as eligible for forgiveness under PSLF guidelines. She informed me that my loans were listed under " unemployment deferment '' from XXXX XXXX, XXXX until XX/XX/XXXX and under " Graduate Fellowship Deferment '' from XX/XX/XXXX to XX/XX/XXXX ( note the coinciding dates between between the two ). The reason why my loans were listed under unemployment and graduate fellowship was due to corporate malfeasance and misinformation provided by Navient, my prior loan servicer. I have shared this information to the Federal Consumer Financial Protection Bureau ( CFPB ) in a prior complaint ( ID # : XXXX ). On XX/XX/XXXX, I submitted a PSLF/TEPSLF Certification & Application form to XXXX for the time I worked ( XX/XX/XXXX to XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Unfortunately, a letter sent by XXXX XXXX XXXX, dated XX/XX/XXXX, incorrectly identified my employment begin and end dates at XXXX. On XXXX XXXX, XXXX, I raised this issue with the same XXXX representative, XXXX, who alerted me that despite my meeting the 30hr minimum employment requirement, I did not meet the " full-time '' employment status that would allow for this period of time to count toward PSLF consideration. She then advised that I contact my former employer to call her office to " verbally confirm that I worked 'full-time ' at XXXX, which would be an acceptable method to approve this period to count toward PSLF forgiveness. She also suggested that I submit a PSLF reconsideration form to Federal Student Aid, which I sent on the same date. I kindly request that the CFPB insist that Federal Student Aid conduct a thorough review of my materials and consider the time I worked at XXXX ( 25 months ) and XXXX ( 7 months ), which will place me well over the 125 months of PSLF qualifying payments. I also ask that the CFPB follow up with XXXX regarding my prior complaint ( ID # : XXXX ) to halt future monthly automatic payments ( {$440.00} ) starting on XXXX XXXX, XXXX. I see no reason why I should be asked to pay for loans that would have already been eliminated by this time.
Product: Debt collection

Thank you for reviewing the complaint. After reviewing the credit report DBA Pargon Avenue which is collecting on behalf of XXXX XXXX XXXX continues to place items on the credit reports. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has refused to obey the law section 605B of the fair credit reporting act, I have submitted all the proper documentation that that the law requires of me the consumer. I have provided all the identifying documents I have also provide the police report and identity theft reports from the ftc, Yet will has refused to obey the law and block these items in 4 business days or less. They claim that I have provided faulty or is faulty or fraudulent information in my request to have them block the proven information that does not belong to me by the police. They are lying and never providing any proof for their claims. They received information from the fraudster when he was using my information and they attempt to say that that was me even though the fingerprints prove it was not me. Fingerprints don't match means I am 100 % cleared by the police and the police provided these findings. Experian refuses to acknowledge this. I simply want them to obey the law.
Product: Checking or savings account

Received a letter dated XX/XX/21, stating that an bank account with Huntington National Bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX ) was opened on XX/XX/21. Never heard of, inquired or opened this account. Called and spoke w/ XXXX XXXX who advised that the account was set up online and they will close and report to their fraud department on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX DOB : XX/XX/XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX XXXX {$2000.00} Paid, closed Account Info Account XXXX Account status Closed Date opened XX/XX/XXXX XXXX/XXXX  {$190.00} XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account number  XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$26000.00} XXXX XXXX XXXX {$2800.00} Paid, closed Account Info Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type Auto Loan Balance Loan Amount {$2800.00} {$16000.00} XXXX XXXX   OPENED XX/XX/XXXX {$960.00} DEPT OF EDUCATION/XXXX    {$4600.00} 0 % paid off Account Info Account numberXXXX Date openedXX/XX/XXXX Account type Education Loan Balance Loan Amount {$4600.00} DEPT OF EDUCATION/XXXX {$1700.00} 0 % paid off 6 late payments Account Info Account number  XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Balance Loan Amount {$1700.00} {$1100.00} Account Info Hover over labels for more details Account number  XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance Loan Amount {$3800.00} {$5100.00} Payment Info Status Charge-off Past due amount {$2200.00} XXXX XXXX XXXX {$12000.00} Paid, closed 1 charge-off Account Info Hover over labels for more details Account number  XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$12000.00} XXXX XXXX XXXX {$0.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Account status Closed Date openedXX/XX/XXXX Account type XXXX XXXX Balance Loan Amount $ XXXXunavailable XXXX XXXX Original creditor : XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number   XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1500.00} Payment Info Original loan amount {$1500.00} XXXX   XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$960.00} 0 % paid off Account Info Tap labels for more details Account number  XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance Loan Amount {$960.00} {$960.00} Payment Info Original loan amount {$960.00} US BKPT CT GA XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number  XXXX Court US BKPT CT GA XXXX
Product: Checking or savings account

On Wednesday ( XX/XX/year> ) my XXXX  stipend was expected to be credited to my Capital One Checking 's account for {$2600.00}. Not only has early direct deposit not occurred, but it is currently Friday ( XX/XX/year> ) XXXX XXXX XXXX, and the money is still not in my Checking 's account with a direct deposit. 

This may cause me to be delinquent in XXXX  fees, credit card bills, utility bills, etc. Not only that, but I lost out on potential income as I was planning on placing my stipend in a HYSA. 

There has been an apparent lack of communication for an issue that has been ongoing by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry from XXXX on my report. I have NEVER applied for anything XXXX and never would. I dont agree with there practices. I called Experian and they are completely useless as always. They are impossible to deal with. They give me excuse after excuse. Call XXXX and others. I do this and get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT.

There are address listed below that are not mine. they have yet to show proof of how these address are mine. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX AND XXXX account that is listed as charged off needs to be removed due to the court documents i sent in and its pass the 7 year mark as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting information to XXXX, Transunion and XXXX that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Product: Credit card or prepaid card

The charge off was placed on my credit report after reporting the fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$93000.00} was accidentally wired to Wells Fargo. I was closing on a house in XXXX. The wire was meant to go to the title company. Instead it went to an account at Wells Fargo, their XXXX XXXX  XXXX. My bank, XXXX XXXXXXXX XXXX had auto-filled the account line. I immediately phoned my bank, I also wired a second {$93000.00} to the title company believing I would immediately get back the funds from the first wire. 
My bank issued a recall. That was two weeks ago and Wells Fargo has still not responded. Im told by my bank that Wells Fargo cant locate the recipient of my funds.. Wells Fargo has refused to speak with me. I have made multiple attempts. 
After days if not weeks of XXXX investigative work on my part, I finally discovered the name and location of the recipient. On XX/XX/XXXX I had wired funds for another closing in XXXX XXXX ( XXXX XXXX XXXX ). It went to an account owned by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX The account and routing numbers exactly matched the XXXX  and XXXX XXXX thaXXXX XXXX  XXXX XXXX had auto-filled on XX/XX/XXXX. I phoned XXXX XXXX XXXX. THEY HAD RECEIVED MY {$93000.00}. Attorney XXXX told me that they had rejected the funds and sent them back to Wells Fargo. 
Wells Fargo is lying about being unable to find the recipient and they are refusing to return my money to me. In the meantime, my bank, XXXXk XXXX XXXX, say they cant phone Wells Fargo. All they can do, they say, is issue a recall which did no good. 
This is an extreme financial hardship. I am in retirement; losing over {$93000.00} is not an option. I dont know where to turn. I have visited branch offices of both banks in my area, the title company and the police. I have called numerous people in the court system here. 
I ask that you intervene on my behalf and XXXX  Wells Fargo to return my money to me. I have all of the relevant account numbers, XXXX XXXX #, case #, and addresses of the entities involved. I am happy to share my research with anyone who can help me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX, AND I AM WRITING ON MY OWN BEHALF IN REGARD TO THE FOLLOWING INFORMATION ON MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE ANY OF THE FOLLOWING CHARGES/INQUIRIES ON MY FILE. I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I HAVE ENCLOSED COPIES OF THE FTC IDENTITY THEFT AFFIDAVIT. I AM REQUESTING THAT THE FOLLOWING ITEMS ON THIS REPORT BE DELETED IMMEDIATELY.