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

I enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fraudulent use of my XXXX  XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with XXXX. Assured that XXXX  XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX XXXX  Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee XXXX  XXXX Mastercard reverses fraudulent charges BUT XXXX  reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to XXXX  XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with XXXX  XXXX Mastercard to Transunion and awaits response.
Product: Debt collection

I amXXXX years old and feels as if I was bamboozled and hoodwinked by the XXXX XXXX XXXX XXXX company because they sold me a vehicle that came with multiple mechanical failures and after the XXXX period mechanical issues started to accumulate to the point that I could not afford to make monthly car payments, car repairs, car insurance, buy gas and live a normal life because I could no longer afford to keep the car.
Product: Checking or savings account

I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.
Product: Checking or savings account

Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as XXXX.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint, this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/15 which was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/15 I believe, have not heard back. I requested a check reissued in prior complaint, have not heard back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : FST PREMIER Account XXXX Account Name : CCB/OPPLNS Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : ABLTY RECVRY Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Numerous calls to my cell phone ( which number they should n't have. ) Debt is long past statute of limitations ( 2009 ) Company engages in caller ID " spoofing '' Unfortunately, I can not transfer call logs from my cell phone.
Product: Student loan

I am not sure I am writing the correct agency, or if there is any specific government contact for help with my problem. 

I graduated XXXX University, a XXXX school, in XX/XX/2009. From the way the speakers at assembly and the faculty made it sound, I would pay off my loans in no time at all. I'm sure some graduates did, but despite a decent income I am completely struggling to. My loans are more now than when I graduated, despite me paying as much as I could and never missing a payment. 

I have extremely high student loans. They are at 6.8 % interest. Many months I don't even pay anything other than interest. By the time I get to 25 years ( about 15 years from now ), they will be well over {$200000.00} still because the interest alone accrues so fast I can't pay enough to keep the principal from growing. I have made 10 years ( nearly ) of on-time payments. 

I can not find any company or lender willing to help me because my loans are too large and I am honestly not sure what anyone can even do to help me. As it stands now I will be eligible to have the principal balance " forgiven '' after 25 years of on-time payments, but I will be taxed on that amount as income for that year. That will be a HUGE bill. 

Supposing I am somehow able to save for retirement while also paying more than $ 1,000+ every single month until then, then I will have to give up all that savings to pay the tax bill for the " forgiveness ''. I will be broke as I hit XXXX, if not in a situation where I don't even have enough savings to pay that bill when it hits me at the 25 year mark. So I may very well be bankrupt. 

Sorry for the long email. I am not sure you or your office can help me. I have been trying to game this out and figure out some sort of plan for a few years, but haven't come up with much. I am open to any advice you may have, or other contacts or offices you think I am do well to email. My loan company, NelNet, hasn't done anything that I know to be wrong, although I am not aware that I signed enough promissory notes to have this much of a loan balance, and I don't have any copies of these notes, so I have to trust that the actual original balance was as high as it was supposed to be. I am not sure how I got such high interest rates, or if any program exists to allow me to lower them.
Product: Mortgage

I paid off the mortgage on the property at XXXX XXXX, XXXX XXXX, Delaware in XXXX of XXXX. Carrington Mortgage Services LLC, XXXX XXXX XXXX XXXX California XXXX ( XXXX ), then they sent me the amount I had to pay the Recorder of Deeds in XXXX. Once I paid that, A representative named XXXX contacted my lawyer again and said I owed more money, so I paid that. I never got the deed. I called and asked where the deed was. They said they sent it. I never got it. My lawyer asked for it, they sent it with the wrong name on it. The request was made again and I never got it. I called and informed them how unprofessional this situation was becoming. They then told me they had a memo stating the VA had not completed the paperwork. This was in XXXX of XXXX. So how were they able to send it the first time with the wrong name. My ex husband and I bought the house, He died and Carrington told me I was responsible for the balance of the loan. I paid the loan off, then they said the property was not mine, but his new wife 's. I was the survivor on the contract and I paid it off. He left no will and did not remove my name from the loan. They called me and told me I was on a recorded line and said they sent the deed to the Recorder. The Recorder to this day does not have the deed. They lied to me. I would like to have my Deed.
Product: Bank account or service

I had gone into a Bank of America to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!
Product: Student loan

Nelnet 's website will not work. It loads to a blank white page regardless of device, or browser used. With the looming deadline fast approaching, many of us feel as this is a tactic of theirs to dissuade people from trying to adjust their payments.
Product: Debt collection

Letter was sent to L J Ross in XXXX about collecting on a debt. In the letter it stated for them to send me any information for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
They sent a letter back with none of this infformation. The sent an account statement from the origial debtor XXXX XXXX. None of the information above was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I notified the Credit Bureaus that there was incorrect information on my credit report that needed to be removed because of improper reporting. I did not hear back from them in a proper 30 day time frame so I initiated a second letter stating the facts again for improper reporting as well as initiated a phone dispute, this dating XX/XX/19. I recently recived a letter from TransUnion dated XX/XX/19 that the information was accurate on my credit report which is now false. They have failed to properly investigate and remove this inaccurate information from my credit report which is damaging to my credit profile. I would like matter to be taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with Huntington Bank until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to XXXX as I was XXXX at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment.

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus.

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I signed up for autopay to pay student loans but somehow it never went through. 4 months went by ( XXXX ) and I noticed the late payments. I immediately got with Edfinancial and they had us sign up for forbearance to rectify the situation and back date those payments. I was assured by the representative that it would take care of the missed months as well as remove the late payments from my credit reports for those 4 months. I signed up got everything squared away and notice only the month of XX/XX/XXXX shows no reporting and the rest ( XXXX ) are being reporting late. I called again and they said it could take 30-60 days to show up on credit report. I called back Again after the time frame to explain the situation, and how i was told it would be back dated and those late payments would not be on my credit report. I was told they only remove from some people but not others and that they couldnt remove them from mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XX/XX/XXXX ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I applied for a mortgage loan with NVR Mortgage Inc on XX/XX/2020 and I received a conditional approval on XX/XX/2020. At the time of the approval, my credit file contained a defaulted car loan account which XXXX XXXX told me that I would not have to pay off for the approval. He said they could manually underwrite my application and get it approved. However, on or around XX/XX/2020, XXXX contacted me by phone to say that NVR had tightened the requirements for approval and they would not be able to manually underwrite the application. I contacted the car loan company and tried the make a settlement. However, they refused to settle. I told XXXX that I could not afford to pay off the debt and have money for the closing. A few days later, XXXX XXXX with XXXX XXXX called to say the my application was denied. However, instead of getting a letter stating that my application was denied, I got a letter stating that I withdrew my application. I did not. I would like my file with NVR to reflect thats they denied my application for credit instead of showing that I withdrew it.
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XX/XX/XXXX, my Wells Fargo account/ accounts was closed making it impossible to pay the following : my XXXX XXXX credit card payment, my student loan dispersion totaling XXXX per disbursement I had XXXX dollars already sitting in checking account I could not pay XXXX payday loan amount XXXX due to account closer Deposited money orders in amount of XXXX was froze was told it was fake when they werent I was in rolled in a identity theft affinion product with out my consent as a result of All of this I became homeless could not pay because my money was froze I failed to pay my tuition disbursements stopping me from continuing college that year Im seeking damages XXXX dollars for damages and for pain and grief I would like to resolve this with them before legal action is taken
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} UNAUTHORIZED INQUIRY XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

We received a wage garnishment for a debt outside of the statue of limitations, they were unable to provide any verification of debt or proof of serving paperwork for the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX XXXX OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Dear Transunion FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 )  you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Transunion, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when  reporting information to Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB :  XXXX/XXXX/XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in
my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!