23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home loan was placed in forbearance as of XX/XX/2020 payment I ha called in XXXX XXXX to advise I would like to try to resume my regular payment as of XX/XX/2020. The party I spoke with advised they would submit everything I needed to resume payments on give it I think like 2 weeks to receive paperwork. I called XX/XX/2020 @ XXXX spoke w/ XXXX advised I was following up on my XX/XX/2020 call about deferral program repayment he advised no update at that time I asked about my XX/XX/2020 he advised didnt appear I would have to make that payment due to paperwork not completed. XX/XX/2020 I called at XXXX and was transferred to XXXX in Home Preservation Dept. That is when I was advised a partial claim was being done on my account. I advised I had not gotten any docs and what about my XX/XX/2020 payment. She advised go ahead and pay it. It would go to XX/XX/2020 pay the, then what will go to the end of loan would be XXXX, XXXX, XXXX payments. While waiting to speak with someone the phone says you can check your status online is that true because I keep looking and I entered my information and I cant check my status. She advised sorry no you can not some people can and some cant your loan isnt eligible. I say ok. XX/XX/2020 I called XXXX @ XXXX ; XXXX spoke with XXXX XXXX XXXX to XXXX she advised they sent the final agreement and I would be contacted by XXXX XX/XX/XXXX to sign final documents. I had been contacted prior to my call to Wells Fargo by XX/XX/XXXX. I made an arrangement to sign my docs with XXXX XX/XX/XXXX on XX/XX/2020 @ XXXX. The notary came i signed docs on that date and he took them with him advising that due to the time of day and the upcoming holiday the docs would not be sent back until that Tuesday, XX/XX/2020. I was ok with that because the docs advised they had to be back to XXXX by XX/XX/2020. XX/XX/2020 I spoke to XXXX XXXX @ XXXX disconnected XXXX I ask about my partial claim docs that I signed have been received. He says they are uploaded in the system and I should be getting something in the mail in the next day or two or be contacted by phone. The only thing I have gotten in the mail is a notice that my account is due for XXXX, XXXX, XXXX, XXXX and come XX/XX/XXXX XXXX. I am tired and frustrated of reaching out to Wells with a different answer with each person I speak with. I requested help because I needed help I want to get back to right on my account I reached out early and have been reaching out like clock work. According to them the documents they sent me advised my next payment would not be due until XXXX XXXX yet I keep getting paperwork showing otherwise and I have yet to be able to see any status update on my account. I sit tirelessly on the phone while trying to work to resolve the issue. I feel like I am going to have to try and take out some expensive loan to resolve this issue when I requested help because I needed help and thought I would get help and return to normal servicing when I stated I was ready. Now I am stressed because I am being told I am due for like 5 payments and no explanation as to what is really included in the partial claim.
Product: Debt collection

Last XXXX of XXXX RE : XXXX Dear MIDLAND CRED : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on [ XX/XX/2023 and identified this alleged debt. first i would like proof of charge off as well as an explanation of why and how the balance increased. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit card or prepaid card

Account was closed without my permission. 
Provide me with proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the following : 15 U.S. Code 1681b - permissable purposes 15 U.S. Code 1681c - information contained in consumer reports 12 CFR Section 1022.3 - identity theft Plus, the account has been fully discharged, settled and satisfied.
Product: Debt collection

This was removed from my report and add back after a couple of days and they can not do that and it affected my credit scores
Product: Credit reporting

Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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

I have not been able to see my Equifax Credit report since XX/XX/2017. I have called in several times I have case numbers where customer support promises to fix this. I have no problems with other bureaus. I only can access the dispute part of MY EQUIFAX product. When I go there I see 4 XXXX XXXX  account. I reported these duplicates and called customer support who told me they saw the duplicate only to later see they added another in the dispute area ( this is all I can see ). My credit score is unknown to me and does not show up on any sites or product that do show my other bureaus credit scores with no issues. I have not seen my score since XX/XX/2017
Product: Debt collection

The constant harassment, phone calls, mailing letters and threatening of this company collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chapter XXXX that appears on Experian and XXXX. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX  ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : MO XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX  XXXX
Product: Debt collection

I have contacted first point collection resolution multiple times regarding medical debt that I do not have. They are saying that I owe them {$660.00}. I have looked at all of my hospital records and bills and I wasnt even at an appointment or hospital the day or any day for months before or after it says its from. I also have full coverage insurance so I never have to pay anything more than a copay. They just give me the run around every time I have tried to dispute it and are always extremely rude to me. I have also contacted every hospital organization Ive gone to and they also can not find that I owe any money. I also have not received any letters from them. They are trying to scam me out of money I dont owe as well as tanking my credit too.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam
Product: Debt collection

collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 card

On XX/XX/XXXX I made a full payment on my PNC XXXX  thru the virtual teller in XXXX XXXX, PA in the amount of {$3400.00}. The Virtual teller was having an issue, at first with the image, but it did appear on the screen as well as the correct amount and she processed the payment. Today, I was looking at my mobile banking and noticed I had a balance which I knew I shouldn't. I saw, posted the same day that the payment was showing as an " adjustment '', so I called PNC 's CC customer service and spoke to XXXX. He could not understand what I was trying to say. I explained what I did and that I shouldn't have a balance. He tried to tell me, at first, that the second payment I made several days later included that balance, which it did not. I kept telling him that the funds from the check never came out of my checking account at XXXX XXXX. he kept insisting that they were returned, which, after I stated I was a XXXX  in banking for XXXX  Years and knew how to read a statement, they were not. I asked for this to be escalated. 
I was transferred to XXXX, a supervisor, who spoke with a tone of passive aggressiveness and condescension, I was a bit taken aback and, during the conversation had to begin raising my voice. He said he was able to see that the payment was now rejected for an " unviewable image ''. I questioned how this was possible since the image went through on XX/XX/XXXX and would have gone through their cash letter that night. He said that the SECOND processing area, just yesterday, rejected the item and the funds were " allegedly '' going back to XXXX XXXX. I asked what would happen if I didn't receive them, especially considering the check never attempted to clear my checking account ... ..never received a notice from XXXX XXXX or even from PNC stating there was an issue... XXXX was told to call back and they would have to investigate further. 

This is not the first issue I have had with PNC concerning my banking relationship. I have well over $ XXXX between my investments and bank account with them and I never get any resolution to my problem or concerns. 

As of now, they clearly have my check but no one will assist me in getting my payment processed. no funds have been taken from my checking, yet they are telling me they are being returned which makes no sense to me. Please help rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am very disappointed with the handling of disputes by the credit reporting bureaus. I have submitted proper documentation showing errors and inaccuracies regarding my credit reports. It's my understating that the credit reporting bureaus receives public record information and consumer information from XXXX XXXX XXXX XXXX. I have submitted documentation from XXXX XXXX correcting those items to the credit reporting bureaus and yet the items remain. The Credit Reporting Bureaus are violating the FCRA. CRAs have a duty to follow a reasonable procedure to assure that the information on the report is accurate. See 15 U.S.C. 1681e ( b ). CRAs may report the filing of a bankruptcy because it is a Public Record but in my case XXXX XXXX conducted a review and found the record unverifiable and removed from their records. Also, the CRA 's are not removing the reported identity theft items from my credit report after evidence is submitted.
Product: Credit card

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.
Product: Vehicle loan or lease

I opened an account with US Bank on XX/XX/XXXX to get a car lease. Account number is : XXXX The billing statement is due on the XX/XX/XXXX of every month and i have been making payments on time upon the receipt of the statement ( paperless billing ). 
What had happened is that i somehow did not get the XX/XX/XXXX statement or went to my junk emails which resulted in not paying on time. 

US bank on the other hand did not reach out to me nor given me a courtesy call to notify me of a pass due situation. Instead, the only thing i received in the " Mail '' was a billing statement with double the monthly amount on XX/XX/XXXX and a side not saying " i am pass due on my account '' as in the attached Statement letter. 

The letter also stated that if i take care of the payment immediately, that can resolve the delinquency situation. I did pay it on the spot as in the attached transaction history ( date highlighted in yellow ). 

I have tried to reach out to US bank many times, spoken with a dispute department manager. However, they keep saying it was my fault. 

I am very careful with paying my bills and my credit history speaks for itself, and from my experience with credit card companies, they do care about customer satisfaction and credit integrity. Unfortunately, US bank just decided to ruin what i have been working on for so long just because they wanted to do so. 

I have almost 30000 $ credit limit combining my credit cards, i also am an XXXX  XXXX at XXXX XXXX XXXX. My point is i do make money and under no circumstances i did not want to pay my bill for US bank. 

I am being very honest and transparent in my complaint and my only hope is for the CFPB to look at it and try to resolve the issue with US bank. 

I have lost more than 73 points from my credit score for an unlawful mistake, i just want to fix the situation because i am trying to get a mortgage and with that late payment to stay on my report, it would be nearly impossible. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the 3 major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable.

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.