23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried working with wells fargo but they continue to lose my documents and continue to delay the review. 

On XX/XX/2021 I submitted the 4506t form that they had asked and for over 3 weeks now continue to ask me for the same document. They are just playing games and I need to save my house. I shouldn't have to resend over 3 times the same copy of the document when their document in take team doesn't properly look at documents. 

They have wasted now almost a month waiting for a single form that they already had.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporting a fraudulent account on my credit report even after they sold the debt to ERC. Theyre ruining my credit when I sent in all the proper paperwork. This account was already removed due to fraud and they keep selling it and keep reporting it to my credit report
Product: Credit reporting or other personal consumer reports

This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX  ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.
Product: Student loan

To Whom it May Concern : Due to the CARES Act, I believe that I should not have had to pay my student loan bill this month, managed by FedLoan Servicing. 

I already paid the {$340.00} bill on XX/XX/2020 due to fear of possible repercussions, however I believe that the actual amount due should have been {$0.00}. I tried to reach out to FedLoan, however it is impossible to get through on the phone lines, and when I try to submit an email message through their website, I repeatedly get an error message. 

Per my understanding of the CARES Act, I should have SIX XXXX-dollar monthly payments due from XX/XX/2020 to XX/XX/2020. If so, I would please like a refund of my XXXX bill, and for someone to please ensure that I don't get billed for the next 5 months. Just as a side note - I am a healthcare worker on the frontlines in the XXXX, XXXX - to say this is a stressful time is an understatement. 

Finally, I'd like to say that in my few years with FedLoans, I've encountered absolutely abysmal customer service. They even messed up my initial consolidation which is going to cost several extra thousand dollars on my {$320000.00} principle. However, FedLoans said they would NOT correct it, and they themselves do not have any repercussions for this mistake. I find it absolutely heartbreaking that our government sees this agency as one that is fit to help our student borrowers. 

Sincerest thanks for your help, -XXXX  XXXX
Product: Mortgage

On XX/XX/XXXX, I received a letter from Bank of America with a modification approval attached to it. At the beginning of the pandemic, I had 15 or so years remaining before I owned my house. I currently owe {$110000.00}. My payments is {$950.00} per month. Bank of America is ripping people off. My new offer is {$570.00} for 480 month.They did not offer an interest rate change. Their offer extends my years which makes me more economically challenged, and prevents me from building wealth. How is this okay? They received a bailout in XXXX and I'm sure that they've received assistance from CARES and ARPA, so they know what " help '' looks like. They should not be considered to big to fail when they are failing everyday people. This is unacceptable.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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. EQUIFAX 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 goo
d faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have fraudulent inquiries on my reports, i need them gone per law 15 U.S. Code 1679c
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall n
ot 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 currently have my student loan through navient and have had several issues with them and have come into times were I was unable to make the monthly payment and was told I should do the forbearance, I have been told several times if I can not make the payment that month I can reapply for the forbearance again and place my account on hold. I have made payments plenty of times and it seems as if because of the interest my loan never goes down. Can you please contact me regarding this issue, I feel like this loan is never going to go away even though I 've made payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 called in to Equifax after pulling my credit report. The company Equifax itself is pulling my credit report just about every single day. I have 50 inquiries from Equifax without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies performed Unauthorized inquiries on my credit report, 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: Payday loan, title loan, or personal loan

I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid pandemic, I fell victim to identity theft. I followed all the procedures, filing identity, theft, affidavit, police reports, submit it to the collection, agencies and credit bureaus, which all have failed me and was just generated a random generic validation. Ive reached out to each individual credit report bureau that is reporting these fraudulent accounts on my name, and they have failed me yet unable to give me validation of how they were verified. Other than there was an online application, submit it and verified that is their only verification of the debt, they have failed me as a consumer to investigate and block these fraudulent charges as I requested and did all of the steps they had asked me to do. I have no more faith as a consumer in our credit reporting agencies is a report, false information, and on my part fraudulent information.. In 2021 there was an account with XXXX XXXX XXXX for a real estate company for a lease for a home. I have dispute it with them which they have failed me and also the credit bureaus Im being ignored from this point as Ive sent them, my identity, theft affidavit, and my police report, proving that in fact, my identity was used without my permission, and I resided in the state of Florida during the time of these fraudulent accounts. All three Trans Union, XXXX and XXXX are reporting false and fraudulent information on my report which is causing me harm to my personal life, and I am unable to live my daily life financially due to the fact of these accounts being on my reports, and Im not able to move to another home because of these accounts on my name. I think you in advance for investigating the situation with the credit bureaus and exercising my rights as a consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX Account XXXX Account to dash XXXX
Product: Student loan

I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.
Product: Debt collection

Account with XXXX XXXX XXXX was opened in my name fraudulently. Have notified XXXX via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.
Product: Mortgage

XXXX XXXX I requested information about a foreclosure that showed up on my credit report, that was never active and from XXXX til now I still have not received any information even though they have said they were sending it. I have been attempting to get from under Carrington Mortgage for the past 2 years. even went to court for slander and the judge ruled in their favor. There was never an active foreclosure, so I am not understanding how they are reporting on my credit report that there was. the new company that I am attempting has also contacted them on the XXXX of XX/XX/year>, and they can't even get an answer
Product: Debt collection

On XXXX/XXXX/16 my account at XXXX XXXX was drained to {$0.00} and below with bank fees. I contacted XXXX XXXX and they explained that there was a court order for the funds in my bank account. Prior to XXXX/XXXX/2016 I had no phone, mail or email contact that there was a collection in progress or that I owed money from any collection agency or XXXX XXXX. The bank told me to contact the lawyer info listed under the deduction on my account. The deduction info read, " LEGAL ORDER DEBIT - CONTACT XXXX XXXX XXXX '' I contacted the number of the legal aid listed. The number late turned out to be a collection agency called Remit Corporation. I immediately called number and my call was not returned until the afternoon of XXXX/XXXX/2016. They refused to give me any info into the alleged debt and refused to communicate by email or regular mail so that I could have a hard copy ; only phone. I asked for the court order that gave them the right to take my funds and they gave ; Docket # XXXX. 
I contacted the XXXX County Court and there was no legal action for this docket number. It is my allegation that Attorney XXXX gave my bank a fraudulent docket number so that Remit Corporation could fraudulently remove funds for a debt that I did not owe.
Product: Consumer Loan

Prosper Market Place INC sold account to another vendor, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''
Product: Checking or savings account

On XX/XX/year> I initiated a chargeback for account no. XXXX handled by credit karma money. It is a checking account and the dispute ID assigned is XXXX. The disputed charge originated from XXXX and the charge posted on XX/XX/year>. On XX/XX/year> I received correspondence from credit karma money rejecting the dispute on the ground that the merchant had issued a credit for the disputed transaction. That statement is false. 

I had XXXX transactions with the mentioned merchant, both for the same amounts, the most recent of which posted on XX/XX/year>. It is that charge that I was disputing. The merchant refunded the first charge, and no dispute was initiated as to that charge. However, merchant did not refund the second charge, which I was disputing. 

On XX/XX/year> I notified credit karma money that their reason for rejection was based on a false premise ( i.e., no refund had in fact been issued for the disputed charge ). Despite that, credit karma money continues to assert that a refund was issued and so have closed the dispute. Again, credit karma money is mistaken because while a refund was issued by the merchant that refund pertains to a charge that was not the subject of the instant dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hunter Warfield Corporation Service Company dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and The XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX
Product: Debt collection

Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.
Product: Credit reporting or other personal consumer reports

Hello, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. As far as fingerhut webbank These remarks have been detrimental to not only my life, also my credit health.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.