23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within 48 hrs to a private XXXX XXXXXXXX shelter for XXXX XXXX  with my XXXX out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

On/around XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with Portfolio Recovery Associates , LLC with the XXXX XXXX XXXX XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under Portfolio Recovery Associates LLC on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights. 

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

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

I opened an account with Capital One Auto Finance in XXXX and have carried a relationship with them since. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made XXXX late payments in XXXX and XXXX of XXXX. I was dealing with my health early in the year and it caused me to lose track of important dates. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have with your company. Then late payments are causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payments in XXXX and XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.
Product: Mortgage

After making several requests for assistance, I was denied an application to save my home. Because my loan defaulted ( I was unemployed briefly, then accepted lower paying jobs, to be employed ), I was not allowed to make payments in order to keep the delinquency from growing. I requested a mediation from the courts and was granted a conciliation, which was just a meeting to discuss the options, to which I finally received an application. NOTHING was actually mediated. My application was denied due to FHA guidelines - there must be at least 24 months before I can receive a modification from the execution of the last XXXX. The last XXXX I received was prior to my losing my job. I requested multiple times forbearance to allow payments until the 24 month period expired and was denied, even though the Foreclosure was suspended, according to Wells Fargo. After contacting FHA/ HUD , I was advised that Wells Fargo can actually take over the loan and modify it. Wells Fargo also filed for summary of judgement. It is evident that Wells Fargo has no intention or desire to help homeowners keep their homes. I am not even requesting a lower payment, just a re age or something that will allow me to make payments again. I want to honor my debt and keep my home. I have worked incredibly hard to improve my financial status for a year now and that has happened, but Wells Fargo is clearly more interested in spending money on lawyers and foreclosures than helping borrowers in financial crisis.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

My XXXX XXXX, as well as my debit cards, were locked due to " suspicious activity '' last Saturday, XX/XX/XXXX. Please keep in mind that I do not live near an NFCU branch ( as is the case with many XXXX XXXX of the bank ) so online is my only access to my checking and savings accounts. 

On Saturday morning I called customer service and was informed that, while I had successfully verified my identity, the security team required an extra level of authentication that would require me to physically visit a branch office. I told the representative this was impossible as the nearest branch is hundreds of miles away and I am caring for a newborn. After holding for a few minutes, I was told I would have to send an email to the security team with a long list of information to unlock my accounts. 

On Tuesday, the XXXX of XX/XX/XXXX, I called again after 3 days of no changes and was told to simply wait for the security team to get to my email. When I pressed the issue, I was transferred to a security representative. He informed me that the information I sent was insufficient because it was sent in the form of an email and not the form of a letter ( seriously ). The representative confirmed to me that I would never have been informed of this had I not called. So, I reluctantly complied and sent the same information in the form of a letter. 

After waiting another day, on Wednesday ( XX/XX/XXXX ) I called an was told that the representative could see my email and would expedite the request. 

Again, on Thursday ( XX/XX/XXXX ) I called and was informed that the security team had no record of my email and was asked to resend it. 

I believe I have suffered undue stress, distress, and financial hardship by having my access to my assets removed for nearly a week now with no end in sight. I believe the negligence of the security team and their unwillingness to communicate what is needed are solely to blame for this hardship. Please note that I am a XXXX veteran supporting a wife and XXXX son.
Product: Debt collection

Zions bank obtained my debt from vivint communications in 2019, I never heard from them, never had any type of communications from Them for almost 4 years until earlier this year advising me that debt had gone from approximately {$300.00} to over {$2000.00}. I do not know what interest rate Im being charged, never received any type end of year balance status or any type of communication. I have been paying the balance they say I owe this year and last Friday I asked for the balance of this loan so I can look into paying it off. The account manager XXXX XXXX went and filed a collection notice to my credit report which cause it to drop XXXX points today. The balance that was due was paid and it wasnt even 30 days past due. 
I want this credit mark removed and this company investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Product: Credit card or prepaid card

On XX/XX/XXXX I checked my unemployment debit card with Bank of America and noticed that there was a fraudulent withdrawal on there. I called Bank of America they told me they would re-issue me a card. They said DETR would open a new one for me due to the fraud. I said great the next day I went into my account to transfer funds and it was closed. I couldnt even log on. Call Bank Of America and the rep told me to call DETR and speak to them. I asked then what happened and they said that the unemployment office closed my account and call DETR unemployment. I finally spoke to somebody from unemployment today and they told me that Bank of America close my account due to fraud and they had to verify who I am. I have money in that account and I cant even access my money because Bank of America close my account. This is ridiculous that the bank is holding my money!!!!
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I have recently looked at my credit report and see some unauthorized accounts and inquiries. I have beyond reasonable doubt to believe that these credit agencies have violated my consumer rights with the furnishing of this erroneous information. 

Also on my prior dispute I uploaded the wrong birth certificate and social security card for verification. That information belonged to my son as we have the exact same name, I didn't notice it until I received correspondence about confirming my identity So I've uploaded the correct information. 

In accordance with the Fair Credit Reporting Act the reporting of XXXX  Account XXXX  XXXX # XXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

Also Inquiries on TRANSUNION ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as Im XXXXpct Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.
Product: Student loan

I have been enrolled in auto-debit with fedloan. Payment did not get withdrawn on time and there was no note on the website acknowledging that the payment was pending. In order to prevent a late payment on my loans, I submitted a manual payment. Afterward, I called fedloan and the representative told me that just one payment was pending. Then, the next day, the manual payment went through and my auto debit withdrawal went through, so I ended up submitting 2 payments instead of 1. When I called fedloan, the representative said that I will receive a refund of the payment I submitted manually within 60 days. The representative said I will not receive an email or any record confirming that I will receive a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I did not sign any document with this company, I am asking CFPB to investigate this matter, because your company failed to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove th

em form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is
not mine.
Product: Student loan

As a result of the problems that I have encountered with Wells Fargo keeping my student loan in deferment status annually as I have been enrolled in school full-time the past 2 years, which had been resolved only after filing a CFPB complaint each year, I submitted the request for deferment a few weeks earlier this year, with the expectation that my Wells Fargo deferment would finally be processed in-time to avoid being placed in repayment status and, consequently, to avoid having to file a CFPB complaint this year. Instead, Wells Fargo sent a letter on XXXX XXXX, 2017, stating, " We are unable to hold your request for forbearance longer than 45 days, '' and asking that the entire request be re-submitted " closer to your payment due date. '' Fifteen days later, Wells Fargo sent a notification in the mail stating that my account will enter re-payment status soon. I subsequently re-submitted my request through my school to comply with Wells Fargo 's request to re-submit the entire application all over again, but have not received any notification from Wells Fargo as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXXXXXX Clarity Services  ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX DoB : XX/XX/1993 Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX 2011 I took out a Reverse Mortgage With XXXX Mortgage ( now Champion Mortgage, same address ). My loan check was received on XXXX for a year and a half. Then it started slipping over the years, to the XXXX, then XXXX, XXXX, XXXX, and this month the XXXX, I received my check. It is supposed to be here on the XXXX. I am a XXXX that ca n't pay bills on time because if this corrupt companies actions. Contact with their customer no-service Dept., over the years, has been fruitless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pentagon FCU XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Student loan

I initially borrowed XXXX dollars in XXXX. I graduated from XXXX school in XXXX. The first couple of years I paid, then I deferred a couple years followed by a forebearance or two. I was never given a statemwnt indicating all this interest would be tacked on to the end. It was literally a phone call and answering yes to XXXX questions. Too easy! I was young and had no idea the mess I would be in today. I have been paying consecutively for at least 5 years now. The last XXXX, greater than a hundred bucks a month. I called to get a payiff because I had n't received a statement and my loan had been sold several times .... I owe MORE than I borrowed 16 years ago!!!!! Outrageous!
Product: Consumer Loan

I originated a loan for a truck in 2009 with XXXX. The loan was for 72 months. Santander Consumer purchased the loan from XXXX after about two years. I have paid this contract in full and Santander will not release my title. They say I owe for 80 months. I have consistently asked for a supervisor and for them to explain how my contract can go from 72 months to 80 when I never refinanced.