23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XX/XX/2020, I spoke with a Home Preservation Specialist at Wells Fargo named XXXX XXXX in regards to applying for assistance with my mortgage. I have had a hardship and I am currently going through a divorce. I explained to XXXX that my divorce is not final and that my soon to be ex husband who is also on the loan, no longer lives in the house. Due to the loss of income, the home is not affordable, but I am being granted the home and I am the person living in the home and trying to maintain the mortgage payments. XXXX advised me that I would need to complete the Mortgage Assistance form, provide a pay stub, and in lieu of the divorce decree, because the divorce is not final, that a recorded quit claim deed would be sufficient in order to be reviewed for a loan modification or other assistance programs. I advised XXXX that there would be a delay in getting this recorded quit claim deed because I would need to go through the attorneys due to the active divorce proceedings. She indicated that this was okay, and was needed to move forward. 

Fast forward to XX/XX/2020. I finally have the recorded quit claim deed and I upload this last document to Wells Fargo. To my surprise on XX/XX/2020, I am now being told that I am going to need a divorce decree to be further reviewed by underwriting for any assistance programs. I expressed my dissatisfaction of this because I just spent hundreds of dollars that I didn't have to have this quit claim deed prepared, and the cost to have it notarized and filed and recorded with the county. I was told that they are sorry that I was informed of the wrong information that a divorce decree is needed as well as a quit claim deed. That the underwriter wants to see that the judge awarded me the property?! How is this even legit when the quit claim is the other homeowner giving up his rights to the property. Obviously, I am the only person left on the deed, the only owner of the home! How would the judge go back and grant the property back to someone that doesn't want it ( signed a quit claim deed ) and that doesn't currently occupy the home?! 

I was informed by XXXX who is a manager, that she was sorry, but there is nothing they could do. This is ridiculous. I have just wasted time and money getting this quit claim deed as I was instructed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Fraudulent account unknown person open account i was away on vacation on the time of purchase for this vehicle and two I can not drive because I am XXXX from the XXXX down so there is no way for me to drive any motor vehicle
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I filed a dispute with Lexis Nexis when XXXX pulled a report for Commercial insurance, I was advised the dispute would take 30 days. I never heard back. 
On XX/XX/XXXX I applied for personal auto insurance with XXXX and was denied coverage because Lexis Nexis is reporting an accident dated XX/XX/XXXX ( where I was rear ended ) ; it is reporting twice ( once showing at fault ) another showing ( not at fault ). There was only 1 accident I was driving a XXXX XXXX and was rear ended by a XXXX  lady ( driving her dad 's car ) who had XXXX. They paid my damages and claim. I attached that letter from XXXX to the dispute with LexisNexis in XXXX of XXXX and again today. I advised them that it is a duplicate report and it should show only 1 time as " not at fault '' They have told me that XXXX ( which was my insurance at the time ) is reporting this rear end accident as my fault ( I also contacted XXXX at that time ). At this point I don't know who needs to fix it and get it resolved however I can tell you that since I was rear ended it was clearly NOT MY FAULT. My insurance ( XXXX never paid out anything for this accident ). The other party 's insurance ( XXXX " XXXX XXXX XXXX '' ) paid the claim. I can attach proof. This is having a continuous negative impact on my and my ability to get insurance and get insurance at affordable rates. 

Also an accident dated XX/XX/XXXX ( Comprehensive Claim ) where I was hit by a deer and had XXXX XXXX XXXX is now being reported as an " at fault accident '' for me. These erroneous reports are making it nearly impossible to get and maintain affordable auto insurance. I am not sure how to stop insurance companies from reporting incorrect information or how to go about getting it corrected because no one seems to do anything. 
Where does the burden of proof fall? I have submitted proof of the claim for XX/XX/XXXX, the accident XX/XX/XXXX is clearly noted as a comprehensive claim ( deer ).
Product: Credit card or prepaid card

On XXXX, XXXX 2021, I was defrauded of {$450.00} on my Chase XXXX card by XXXX XXXX XXXX ), an online travel agency. 

I used the XXXX card for air travel reservation through XXXX for my wife and I to fly from XXXX, XXXX XXXX, to XXXX, XXXX. After entering the required purchase details, its web site simply said : Received your payment and closed. The merchant charged {$450.00} against my card, but didnt produce any booking -- no reservation number, no electric tickets, no seat numbers. Nothing came through my e-mail. I waited for two days to see if the merchant would respond. Meanwhile, I also struggled to reach XXXX through its local XXXX XXXX and international contact details. 

When that failed, on XX/XX/2021, I contacted Chase Card Member Services to dispute the charges of {$450.00}. Initially, Chase card had obliged and removed the charges from my account, but reinstated the charges later after the merchants protest. 

Finally, I am an experienced international traveller and have been a bona fide XXXX Card holder for over a decade. This is my first complaint and, as to a customer, I always thought my word in this dispute would weigh more than XXXX. Regrettably, however, Chase Card has chosen to take at face value the word of the merchant who defrauded me. Further, while the amount of {$450.00} may appear small and insignificant, it must be recovered because it is criticall important to deter other would be international financial piracies of this nature.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized credit inquiries listed on my credit report. After reviewing my recent credit report, I noticed several inquiries that were made without my consent or knowledge. 

The unauthorized inquiries are as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Also, I am writing to formally request the removal of all account review inquiries listed on my credit report. Upon reviewing my credit file, I noticed several inquiries that were marked as " account review '' or " soft inquiries, '' which were made without my explicit consent or knowledge. These inquiries do not reflect my direct request for credit or a loan, I would appreciate it if you could kindly remove them from my credit report in order to ensure that my credit profile accurately reflects only relevant credit activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mishandled my information, which puts me and millions of other people at risk. I also am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Student loan

I am inappropriately being charged interest on my student loans by Mohela. I have attempted to contact them numerous times and their customer service is atrocious. Wait times are >3 hours every time I call and the company does not provide any alternative form of customer service besides remaining on hold for a minimum of 3 hours at a time. The interest charges are inappropriate and I believe represent fraud by this servicer. I refuse to pay tens of thousands of dollars of fraudulent charges to this corrupt, criminal company. The CFPB needs to shut them down immediately, this is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

Collection was filed in XX/XX/XXXX for XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00}. The amount in question is incorrect, as it was originally adjusted by the property manager on XX/XX/XXXX. The adjusted amount was paid in full on XX/XX/XXXX in the amount of {$930.00} in the form of a personal check and was cashed by XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX to dispute the collection and followed up with documentation of proof of payment via email. I was told to contact TransWorld Systems to handle the dispute. I have contacted TransWorld Systems 3 times via phone and twice via email. I mailed in hard copies have the proof of payment documentation to TransWorld Systems and XXXX in XX/XX/XXXX. My most recent email correspondence with TransWorld Systems was inquiring about the status of my dispute and asking for an update on XX/XX/XXXX. I have received no response. I spoke with a representative from XXXX on XX/XX/XXXX regarding this dispute. The representative confirmed receipt of the proof of payment documentation. I have provided these documents below.
Product: Debt collection

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get a car with XXXX and they are unable to give me financing terms because they can't see or pull my Experian credit report I believe my file is still mixed like it was last time. 

Case Number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies XXXX and Equifax and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX : {$0.00} XX/XX/XXXX XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX Balance XXXX {$4100.00} XX/XX/XXXXXXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX/XX/XX/XXXXXXXX Balance : {$4100.00} XX/XX/XXXXXXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This report serves as a formal complaint that XXXX XXXXXXXX XXXX is knowing and willingly reporting inaccurate and incomplete information on my consumer report. Pursuant 15 USC 1681a : Definitions ; rules of construction ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to15 USC 1666b : Timing of 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.

The notation of the reported late payments is inaccurate. This company did not do a full investigation on the matter and sent me incriminating evidence that further proves that said bank have violated my consumer rights and broken several federal laws. I requested to see all transactions and statements from XXXX XXXXXXXX XXXX  and they provided me with false and inaccurate information that is being reported differently within the credit bureaus. The information that was provided to me is not what is being reported. The bank did not verify these items and report them with accuracy. XXXX is being reported as not more than two payments as late. XXXX is reporting 60 days late for XXXX XXXX 90 days late for XX/XX/2021, and 90 days late for XX/XX/2021. When in fact, if I did allegedly make a late payment, I could not have been 60 days late, when the reported delinquent date started in XX/XX/2021. That is inaccurate. Transunion is reporting as 30 days late in XXXX, 60 days late in XXXX, and 60 days late in XXXX, if I did allegedly pay late, it should have been reported as 90 days late. I have uploaded proof of the inaccuracies. XXXX XXXX XXXX sent a letter stating that the account is 80 days due, and that is not what is being reported on my consumer report. The statement that the company sent me in the mail specifically states that I have XXXX late payments being reported and I also uploaded proof of said statement. Also I never received a 1099C form so that I may file the proper documents with the IRS. I have also contacted the Internal Revenu Service in reference to this account. This bank is now subject to civil because they fail to comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened Dec 21, 2021 Balance : {$150.00}.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO VIOLATE CONSUMER RIGHTS AND CAUSING EXTREME HARDSHIP TO CONSUMER REPORT BY REPORTING ILLEGAL AND UNAUTHORIZED CONSUMER IDENTITY INFO. PRA WAS GIVEN NOTICE OF DISPUTE, DEFAULT AND OPP TO CURE WITH INVOICE FOR COMPENSATION DAMAGES DUE TO VIOLATION OF FCRA, PA, FDCPA, ROSENTHAL ACT AND USING FEAR, DECEPTIVE AND MISLEADING BILLING TACTICS ON ALLEGED DEBT. CONSUMER ALSO CLAIM SECURITIES FRAUD IN USING MY PRIVATE INFORMATION TO RUN SECURITIES. CONSUMER HAS NOT GIVEN WRITTEN AUTHORIZATION TO OBTAIN PRIVATE IDENTITY INFORMATION. PRA FAIL TO SHOW PROOF OF CLAIM WITH A VALID SIGNATURE OFTHE CONSUMER TO PAY ALLEGED DEBT. CONSUMER DEMANDED DOCUMENTARY EVIDENCE OF PERFECTED LIENS, AGREEMENTS, CONTRACTS, PROMISSORY NOTES, OR ANY OTHER DOCUMENTARY EVIDENT TO SUPPORT PRA 'S CLAIM AND CONSUMERS AGREEMENT. CONSUMER SEEKS {$6000.00} IN DAMAGES. CONSUMER DEMANDED PRA TO CEASE AND DESISTS ALL COMMUNICATIONS INCLUDING CONSUMER REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my report from XXXX, XXXX and TransUnion I found out that I was a victim of Identity Theft. I sent a dispute to TransUnion on XX/XX/2021, where I disputed the fraudulent items. I also sent them an Identity theft affidavit. Under FCRA 605B ( 15 U.S.C. & 1681 c-2 ) the bureaus need to block the items in 4 days after they receive the dispute but they failed to do so. That is the reason I send you this complaint. TransUnion is the only bureau that failed to comply with the law, XXXX and XXXX already blocked the fraudulent accounts.