23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I DEPOSITED CHECKS TO MY CHASE BANK ACCOUNT IM BUYING HOUSE. THE PUTED THOSE MONEY ON 7 BUSSINESS DAYS HOLD UNTILL IT WILL BE CLEARED. NOW ITS BEEN 14 DAYS THOSE MONEYS WERE CLEARED FROM THE PARTIES THEY PROVIDED CHECKS. THE PUT MY ACCOUNT ON HOLD AND THEY ARE NOT REALSING THE FUNDS. THEY ADVSING THEY NEED TO CONTACT THE CLIENT TO VERIFIED THE FUNDS. THOS ECLIEANTS ALSO CHANSE CUSTOMER. WE ADVISED TO CONTATC THEM AND VERIFY THEY ARE SAYING THE PHONE NUMBER ON THE ACCOUNT ITS THEIR CELLPHONE AND THEY ARE NOT IN PUBLIC RECORDS. CUSTOME TRYING TO CALL THEM THEY ARE SAYING ACCOUNT HOLDER NEEDS TO CALL THEY WHEM IM CALLING THEM THEY ADVSING THEY NEED TO SPEAK WITH ISSUER. BACK AND FORT THEY ARE NOT ASSISING MY ACCOUNT FROZEN MY ESCROW CLOSING AND I NEED URGENT HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account and an inquiry on my credit report that I don't recognize nor authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have the FTC affidavits attached and I sent these to the company over a month ago and have heard nothing from them In accordance with the FCRA, I am now withdrawing my consent. I the consumer may have given you written, verbal & nonverbal consent. I'm now rescinding the 1974 Privacy Act and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights & took criminal actions also by reporting, transaction history which is illegal as well under the 16 CFR 313.7.
Product: Money transfer, virtual currency, or money service

Cant login to my wellsfargo online account please help
Product: Credit card or prepaid card

Please provide documentation that the account SANTANDER XXXX with a Balance Owed : {$0.00} belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit card company XXXX XXXX on XX/XX/22. Was informed that collection agency XXXX XXXX and the internal collection has my account and I was transferred to them. The representative from XXXX XXXX told me that they are not servicing accounts in NC due to state restrictions. If no one is servicing my account and I have no way to reach out to anyone for information then she not be reporting the account on my credit report. All I ask is that someone talk to me so I can come up with a payment plan or settlement.
Product: Student loan

My Loan Service Company is Navient and I feel that I 've been mistreated over the last 2 Years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a PAID FEDERAL TAX LIEN which is beyond the statute of limitations according to The Fair Credit Reportin g [ 15 U.S.C. 1681c ],  which lists items that are to be EXCLUDED from consumer reports. Item number  XXXX  states " Paid tax liens which, from date of payment, antedate the report by more th an seven year s. '' ( The original filing date of the lien is  XXXX . The lien is satisfied, and should have been removed in  XXXX , 7 years after the filing date. ) Additionally, Equifax is simply reporting this a  Federal Tax Lien  with no notation that it is paid.     On  XX/XX/XXXX  I submitted an online dispute with Equifax, which to date, still shows my request is " pending. '' Equifax #  XXXX .     On  XX/XX/XXXX , I called to ask what was happening with my dispute and why it was taking so long to resolve. At that time, I was told that this item would remain on my report 7 years from the date I paid the lien. I argued with them, and Equifax representative took a secod complaint over the phone. #  XXXX . Their resolution was that they confirmed the lien with  the County Recorder 's Office.      Though I have provided a copy of my Relea se of Federal Tax Lien notice , and cited the Fair Credit Reporting Act, Equifax is refusing to remove this from my credit report.     I would like to note that it took me less  than 5 min utes to dispute this  with  XXXX  o nline. They removed it from report the following day, and e-mailed a link to my revised credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To all parties involved my Consumer Information is apart of the Equifax Security Breach. 
I have not or ever, given any company any consent NOW or EVER to use my Consumer Information. I have NOT or EVER given any company permission to report to my Consumer Account without my Consent. I need all information removed from my Consumer Account. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

in the past i've been the victim of fraud and identity theft. I've sent multiple police reports and multiple ftc reports to TransUnion to have hard inquiries removed. about a month ago I requested to have all of them removed and they are still reporting on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, XXXX, and Transunion has violated my Federally protected consumer rights to privacy and confidentiality

und er 15 USC 1681. 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Student loan

My name is XXXX XXXX I was told by XXXX XXXX XXXX  that Sallie Mae had a law suit against them for lying and not giving information out the lenders. I was told by Sallie Mae to do deferments instead of a ( IBR ) Income base repayment plan. I only found out about the IBR program 7 years ago and I am now XXXX XXXX XXXX and a XXXX Veteran. I had to find out about IBR on my own with NO help from any of my student loan companies, and I have had my loans since XXXX  to present. I was told by a nice guy at XXXX XXXX XXXX XXXX  that Sallie Mae LIED about a lot of things. I am looking to get student loan forgiveness, Since I have only been on the IBR programs for 7 years and I you need 20 to 25 years to get forgiveness. I will be dead by that time comes around. So I am looking for help to file against Sallie Mae. 
Sincerely XXXX XXXX XXXX XXXX Veteran
Product: Credit reporting or other personal consumer reports

This complaint is to formally address the failure to properly investigate my disputes regarding inaccuracies in my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings. These actions harm consumers by allowing inaccurate or unverifiable information to persist on their credit reports.
Product: Mortgage

I want to discuss a modification on this Home Equity Line of Credit but they will not do so with me. 
I'm XXXX XXXX XXXX, from a poor family, and I worked for years to get enough money to buy this house. It's all I have in this world. 
Now Wells Fargo calls and threatens me. They are going to sell my house right from under me, leaving me on the street! 
How can this be allowed?!! 
I can afford to make smaller payments monthly. But what I do not want is for all of the payment to go into their pockets. 
I've already paid them tens of thousands of dollars- more than {$46000.00} or so on a {$65000.00} bill. But all but {$3000.00} went in their pockets and I still owe {$61000.00}! 
There has to be a way I can pay down this debt without this lining of their greedy pockets! 
This is why I have filed this complaint. 
It's negatively affecting my health and I can not get a good night 's sleep! 
Please help. 
XXXX XXXX, XXXX XXXX XXXX ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a ITIN # therefore, I can not get it online. All three bureau continue saying it will take XXXX business days for credit report to arrive in the mail. It's been a few months and nothing has come in from XXXX and XXXX. I did get credit report from Experian. I submitted copy of ITIN # along with consular ID card and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. XXXX stated over the phone that my credit report comes up on their system under a social security # and the number that XXXX has is not my ITIN # ( I do not have a social ) and that I need to send in documents proving that information XXXX is reporting is inaccurate. COPY of ITIN # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/21 I would like to get an updated report from Experian too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX XXXX, # XXXX XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 

I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XXXX SO XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently reached out to all 3 major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments. 

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked 90days late by TransUnion but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and TransUnion, but 30 days late by XXXX. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX XXXX XXXX Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I wrote to XXXX, XXXX regarding file # XXXX, in XXXX report # XXXX, and Equifax confirmation # XXXX explaining I do not owe the debt to XXXX XXXX XXXX as reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I want this claim of debt to be removed from my credit report. Based upon evidence I sent to XXXX, XXXX determined I do not owe this charge. Additionally, I have since reported XXXX XXXX and XXXX XXXX XXXX to the CFPB. As a result of my complaint, the CFPB forwarded a complaint to the FTC regarding XXXX XXXX XXXX and XXXX XXXX agreed to cease and desist collections and to close the account. ( Please see CFPB complaint number XXXX. ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX 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 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 or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Student loan

Hello, Today, I fell victim to a student loan consolidation fraud and I need assistance. I received a phone call saying they ( XXXX XXXX is the marketer that called ) were associated with the student loan advisory board and when I called the number he left, ( XXXX ) XXXX, they said they were with the Department of Education, which I now know was a scam but did not catch it sooner. The promised to consolidate my loans and spread out my fees for this over 4 months paying {$210.00} a month, and {$160.00} plus {$19.00} afterward for 120 months. 

The number that called me was ( XXXX ) XXXX, and his name is XXXX XXXX. The person I spoke with XXXX who's emplyee number is XXXX Station : XXXX and phone number is XXXX. 

Please help.
Product: Mortgage

Figure Lending had the wrong property info I informed them several times and it appears they received the right property description but yet online the information is still wrong. This can cause title issues later ono
Product: Debt collection

I requested written validation of my debt. I received a validation letter dated XX/XX/2023 from Arcadia Recovery Bureau , LLC that failed to include the following information : 1. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong 2. An end date for a 30-day period when you can dispute the debt The debt collector did provide an itemized statement from the creditor, XXXX XXXX XXXX XXXX XXXX XXXX but the amounts differ from the validation letter. 

Professional Charges : Total Charges : XXXX Professional Payments and Adjustments : XXXX XXXX XXXX Total Insurance Payments and Adjustments : XXXX It is not clear how the debt owed came to amount to {$140.00} as indicated in the validation letter from Arcadia. Doing the math as listed in the itemization I come to a total of XXXX. 

XXXX XXXX XXXX = XXXX I received multiple bills from the creditor, XXXX XXXX, with differing amounts ; on XX/XX/2023 total payment due {$140.00} and XX/XX/2023 total payment due {$210.00}. Also, the itemization of the current amount of the debt does not reflect payments or credits within the validation letter, which differs from the creditors itemization of the above-mentioned payments and adjustments. I am submitting this complaint because I was not given proper information regarding this debt collection, nor an ability to dispute, nor an end date to dispute by, or a reasonable explanation of the amount of debt owed including any adjustments, or credits applicable. The debt collector and creditor appear to be using disingenuous accounting to misrepresent owed amounts which needs to be investigated further.
Product: Credit reporting, credit repair services, or other personal consumer reports

PennyMac Financial Services has erroneously reported a mortgage on my credit report. I disputed the account through XXXX, and PennyMac responded by removing the account. However, PennyMac relisted the account without explanation. This has prevented me from purchasing a new home- XXXX denied my mortgage application in XXXX due to this account. I only purchased one home in XX/XX/2019 through XXXX, where I still reside. It's a three-bedroom home. My wife is XXXX  with our XXXX child, and the due date is expected in XXXX. We're running out of time to purchase and move into a suitably sized home. Please help and contact me with any questions or requests. Thank you very much.