23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX I had applied for a modification approved at an extended 40yr note I was not looking to be XXXX and steel paying on my loan. I had fallen behind on my payments for XX/XX/XXXX a partial payment as I was making a repayment plan fail to make a payment to repayment plan on time and there for it was removed I have been trying to redo the repayment plan and they keep denying it until XX/XX/XXXX I spoke to a rep and he said I would qualify for a repayment plan down payment would be {$4100.00} I agree to pay on XX/XX/XXXX I called to notify I would be making the deposit and relationship manager said it was denied she would had to resubmit I called again they said it was denied in total submissions it was 5 last one came back to me I need to pay {$6100.00} on XX/XX/XXXX then she called back later it had been denied again due to submittal by previous R/M was calculated wrong she would submit again as I explain to her my interest was not due to change until XX/XX/XXXX so she submit again then R/M called me on XX/XX/XXXX to advise it had been denied for the XX/XX/XXXX just when I had put the {$6100.00} together again my loan was setup on a modification trial plan for three months my first payment will be XX/XX/XXXX I had not other repayment plan available due to my loan in the FC process as they ate all the time on submittal and denials..I am so nervous of this trial plan not good reviews on the Ocwen trial plans online and as of today I had not received no paper work they have been working on it for over two weeks ... ... on the online reviews customer lost a home as they came back to her three months later informing her she did not qualify for the modification ... .my question is what takes to get the final modification approve or denied?????? I dont want to loss my home OR SELL MY HOME and they know I have a good equity on my home ... I would like for OMBUDSMAN DEPT HELP ME ... .OR SOMEONE TO HELP ME ... ... .I WANT FOR SOMEONE TO ASSURE ME THIS MODIFICATION IS GOING TO HAPPEN AFTER THE TRIAL AND NOT ONLY KEEP EATING TIME ... TO KEEP MY HOME ...
Product: Vehicle loan or lease

XX/XX/2022 I was denied credit by GLOBAL LENDING SERVICES I was under the impression that XXXX XXXX XXXX that they were only going to take a look at my credit then I started receiving inquiries from GLOBAL LENDING SERVICES and another bank but was not approved. I received an adverse action letter from GLOBAL LENDING SERVICES stating " We regret to inform you that we were unable to offer you Credit on the terms originally requested. However we could approved your application if certain terms or conditions are met. '' I was denied an extension of my own credit have damages dragging down my credit score but not car nor credit. 12 car 1002.7 states " A creditor shall NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status or any other prohibited basis ''. I have clearly been discriminated against and that is unfair I did an application with good faith and good intentions and haven't received the same in return.
Product: Debt collection

I was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE!
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are incorrectly reported as late.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account on my consumer report was cancelled and returned to the creditor on XX/XX/year>. According to XXXX XXXX XXXX XXXX, this account should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXXXXXX  and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

On XX/XX/2024, I contacted Halsted Financial Services in reference to account # XXXX, asking for a cease and desist of electronic communication, providing communication only through mail. In this, I also asked for the validity of the debt and its ownership. To no avail, the company did not respond to either request, as I have yet to receive validation of the debt, and I am also continuing to receive email communications about the debt that come almost daily.
Product: Debt collection

I was a victim of identity theft and my wallet and everything I owned was stolen, my bank accounts as well as my the. Credit cards were compromised
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX ) regarding inaccurate and misleading credit reporting. My account was originally reported as negative in XXXX month, but after I disputed the error with TransUnion, XXXX XXXX altered the reporting date to a different monthwhile still maintaining the negative status. 

I believe this adjustment was done intentionally to avoid removing the negative history from my credit report. Changing the reported month does not resolve the inaccuracy ; instead, it suggests an attempt to manipulate the reporting timeline to my disadvantage. 

I have attempted to resolve this issue directly with XXXX XXXX, but they have not corrected the reporting to reflect accurate and fair information. This practice has harmed my credit standing and financial well-being.
Product: Credit reporting or other personal consumer reports

I have mailed copies of my current and only address and correct spelling of my full name and date of birth and current job and nothing is correct or updated it also has missing information.. example my full date of birth and current job
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened an account and I was never notified. Now its in collection at a place called XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to reinvestigate my credit report. I do not agree with results. I was never late on a payment. I was informed by ally financial i could extend payments due to hardship that would not effect my credit. Please see documents to prove my case. I am in good standing with ally financial.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.
Product: Checking or savings account

Were charged monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know why. I regularly review my credit report, but this time, I found discrepancies that hadnt been there before. I even tried refreshing the page, hoping it was just a temporary issue, but the incorrect accounts did not disappear. Because of this, I am requesting a thorough review of the documents Ive submitted to ensure that I no longer have to worry about this problem.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a. reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX inaccurate accounts listed on my credit report : XXXX XXXX XXXX Account Number with a balance of {$21000.00} I am not the owner or personal guarantor of this account. 
XXXX  Account Number : XXXX This account is inaccurately associated with me. 
I have already filed an FTC Identity Theft Report, which I am including as supporting evidence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], you are required to block these accounts from my credit file within XXXX business days of receiving this report and my request.
Product: Debt collection

On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.
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. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the incorrect information currently reflected on my credit report from your bureau. There are discrepancies in the data reported for specific accounts, which require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Attached are letters that thoroughly outline the issues with the accounts in question, including supporting documentation. The errors involve incorrect dates, account statuses, and other details that do not accurately represent my financial history. These inaccuracies are unjustly impacting my credit score and overall financial standing. 

I kindly request that you conduct a thorough investigation into the accounts referenced in the attached documentation, rectify the mistakes, and remove the inaccurate data from my credit file. Additionally, I expect the corrected information to be updated in compliance with FCRA requirements, and a confirmation sent to me once the corrections have been completed. 

If any further information is needed to facilitate this process, please inform me at your earliest convenience. I appreciate your prompt attention to this matter and anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Report there are multiple accounts I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes with Equifax on XXXX XXXX for XXXX a student loan service for a missed payment due to Covid 19 and XXXX for a missed payment on XX/XX/2021 on a closed account over, 6 years old. These accounts have been in dispute more than 30 days and has not been resolved and Equifax keeps telling me the disputes are still being process. Its well over 30 days with no results. I have attached the dates I filed the disputes and the estimated dates for them to be resolved by.
Product: Debt collection

Navient student loan collector calling my neighbors to contact me after I asked them to no longer call my number. XX/XX/2017, Also contacting other family members for same reason.
Product: Mortgage

In XX/XX/2018, my wife and I fell behind on our mortgage payments after she became ill. The majority of our income went to her treatment and medical expenses which made it impossible for us to keep up with the payments since we were on a fixed income. Paying our bills literally became a life and death decision. She recently passed away this past XXXX and I am just trying to get the default rectified so that the home does not foreclose. I do not have the funds to reinstate the loan so I am in the process of applying for a short sale to sell the home. I need more time to get my wife 's belongings out. I haven't had any time to clean out and sell the home because I've been in such a whirlwind since XXXX XXXX death, I could barely afford to cover her funeral expenses. Please have someone help me in getting the foreclosure auction stopped so that I can sell the home, I just need at least 60 extra days.
Product: Debt collection

This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g.

-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person.

-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
-Letter of sale or assignment from the original creditor to your company. 
-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union refuses to delete Credit inquiry from XXXX bank.
Product: Checking or savings account

I used to bank with Wells Fargo, but recently switched to a different bank due to someone getting access to my account and emptied out my checking and saving account. I think this was an inside job due to them also taking my savings account. When I called, one of the bankers acted like it was normal. Whoever these people were, they were able to spend at stores I've never shopped at and had the nerve to buy driving passes in New York. Wells Fargo acted like this was my fault. It has taken me months to close these accounts and get some of my money returned. I basically had to threaten them to get the ball rolling as to how my account was hacked. This bank had a huge data breach where their customer 's very personal information was released. I believe I was a victim of this bank. Now, I don't know how many people have my information. Someone very recently opened an account at XXXX with my address, name, and social security number. I believe it's due to this data breach. Before this happened, I replaced my debit card 4 times due to fraud, but it continued to happen. This bank is ridiculous and have ruined my life. Thank goodness I'm with another bank that actually gives me alerts and declines the transaction until I say it is from me, unlike Wells Fargo. Do not bank there.