23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We submitted request to be reviewed for repayment plan on XXXX/XXXX/2015 and supplied additional information on XXXX/XXXX/2015 and again opun request on XXXX/XXXX/2015 at that point package was complete and under review. Then on XXXX/XXXX/2015 I was served a foreclosure summons and complaint while I was under review for repayment plan and had not received a decision yet on that. I was under the understanding that my review would be complete first before they proceeded with the foreclosure. It appears they were dual tracking my case.
Product: Mortgage

On XX/XX/XXXX /15 i got started in the IL.Hardest Hit program, I did all the requirements requested in a very timely matter as requested, such as to provide all documentation as requested. I even had to give them XXXX years of Tax returns with with over at least XXXX pages! BY the time I was almost in the program Wells FARGO CAUSED me to not be eligible by saying to get my loan current, the amount would be {$34000.00} on XXXX/XXXX/15 IL. Hardest Hit program sent me a email to inform me that! I was in shock, as soon as I got home that day I called Well Fargo they told me that the amount was {$18000.00}! They also faxed me a XXXX document the same date XXXX/XXXX/15 saying that, and i also got a letter stating the same thing XXXX days later! The same night I faxed and emailed theXXXX letter stating what the amount was, so she said she would forwrad it to her boss! XXXX days later they told me that wells fargo was adding escrow fees and some other fees to prevent me from getting into the program!!! That was {$35000.00} that wells fargo kept me from getting also since they sold my lone! 
THANKSXXXX XXXX
Product: Credit reporting

Contacted Sentry Credit located at XXXX, XXXX, WA XXXX in late XX/XX/2017. A phone call for information was made on XX/XX/2017 to the office located in XXXX, WA and the collector that answered yelled and claimed NSF fees have been incurred. I held my composer and asked to speak to a manager and was transferred to a male representative who did not know anything related to credit reporting and the random account that was placed under my name. After being yelled at by this company and not getting any information pertaining to a {$260.00} amount hanging on my credit I am requesting removal of the account from my credit report. The Company did not act within legal parameters by threatening me verbally on the phone and later changing my commentary and statuses on my credit report. There is obviously something wrong with a company if they start adding random commentary on my credit report. I received no information about this debt within the legal time-frame. Under regulation 809 as stated within the Fair Credit Collection law, Sentry Credit did not respond to the consumer within five days after the initial communication in connection with the above debt. The credit needs to be removed immediately due to noncompliance with FCC law and FCRA.
Product: Credit reporting or other personal consumer reports

Ive already submitted a FTC report. With identitytheft.com I need the inquiries below remove off my account because I did not authorize these companies to run my credit it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL INQUIRED ON XX/XX/XXXX XXXX
Product: Credit card

I contacted Care Credit and informed them that they would received a check from XXXX XXXX XXXX to be applied to the XXXX bill. On XX/XX/XXXX they received a check of {$950.00}, from XXXX XXXX, which was applied to my account ( XXXX ). On XX/XX/XXXX, Care Credit received a payment of {$200.00}. toward this account leaving a balance of {$940.00}. On XX/XX/XXXX, I paid {$100.00} toward this account. Care Credit has referred this account to the credit bureau for delinquency to this account. I have been making the payment I am not having any difficulty in making payment to this account. According to the credit card agreement, there would be no interest added to this account if paid off in two years I would like this organization the unfair practices of this company and assist me in resolving this dispute.
Product: Debt collection

National credit management is attempting to collect a debt from me that I do not owe nor have ever been associated with. It was a result of identity theft.
Product: Mortgage

To whom it may concern : I am writing this goodwill letter to see if we can get a 30 day late payment removed from the credit bureau. We are in the process of refinancing our home and we cant have any late payments. We had made the payment with a check and the funds hit a hour late. Freedom mortgage rep said that it wouldnt clear that early but it did. Me and my husband work for the federal government and we cant be late on our mortgage, we fell a little behind due to the government shutdown but is slowly getting back on track. This was our first time being late!! Can you please remove XX/XX/2019 day late  payment. Thank you so much for your time!!
Product: Mortgage

Recently I fell behind in my mortgage payments XXXX XXXX XXXX XXXX XXXX but Fay Servicing sent me a letter stating that I am XXXX months behind and bc I am in bankruptcy XXXX XXXX XXXX XXXX the automatic stay will be lifted if back payments are not paid in full by XXXX/XXXX/XXXX in the amount of XXXX  money I do not have nor do I owe as much this last year has been difficult for me due to unexpected expenses out of my control also losing time off my job. I can afford to pay my mortgage and I want my home. I am now seeking a loan Modification from Fay Servicing. It seems as though they anxiously want to foreclose on my home and that is their only goal. So unfair.
Product: Money transfer, virtual currency, or money service

I writing to express my concerns about how Zelle handle discrepancies in lieu to CFPB lawsuit. I have used Zelle for many transactions over previous bank accounts. It has cause overwhelming harm to my financial stability and situation due to overcharging. I was told that it was no way to recover funds after reporting the error which stop me from reporting any after. Highlighted in your lawsuit states that Zelle didnt properly protect it consumers and Im one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to the consumer protection laws.
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 XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX  ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXe and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and Transunion - 60 days late reporting on XXXX XXXX XXXX XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) XXXX XXXX - 30 days late reporting on ( XXXX and Transunion ) XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) - 60 days late reporting on ( XXXX and XXXX )
Product: Credit reporting

XXXX XXXX has lied to many times. Most recently XXXX XXXX on a recorded line where they say their was an error on my report and they would be removing all the negative items. They will now not give me a a copy of that recording. It happened from XX/XX/XXXX to XX/XX/XXXX i purposely made them record that line. They have said it numerous times before as well. They have caused me to lose hours and hours of work plus made my home loan get denied. They are committing fraud. I want this removed asap and also compenstated for my lose of my home loan and also the numerous hours. I have been battling this for 3 years now.see attaced letter where they even state this account should not be reported as it is a business account get a copy of those recordings and the rep and supervisor both agree that the account negative reporting should be removed as well.
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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Look I've sent XXXX letters starting form XXXX and have not received the required proof to validate the debt. The account has a balance of {$980.00}
Product: Checking or savings account

I opened an account on Saturday with Wells Fargo and after going in to the company to give them my opening deposit and requesting an instant issue debit card I was told that I had to pay them for a charged off account that I had with my parents when I was younger, specifically below the age of majority in my state. After I paid the fee I called to speak with their complaints department as I was blindsided with this information and was then told that I could not get a debit card until I paid them. This entire experience has been horrific and the person I spoke to in the complaints department was beyond apathetic, and sounded very unknowledgeable regarding the situation after having my account pulled up. My case number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting

I am a victim of Identity theft. i provided police reports and theft affidatives to Transunion and they will not block the accounts that do n't belong to me. The reps are very rude and they 're not compassionate to my situation. This is very embarrassing and I have done everything in my power to correct this issue. The accounts on my credit report that are fraud and not mine is XXXX XXXX XXXX XXXX and XXXX XXXX which that is a internet scam. Transunion refuses to remove these items from my account even when I supplied them with everything they requested. They have hung up on me screamed at me and I am very devastated. If we ca n't resolve this my next step is to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX  XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Mortgage

Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.
Product: Credit reporting or other personal consumer reports

The week of XX/XX/year>, XXXX XXXX and/ or his affiliated companies, also know as the Department of Government Efficiency were given unauthorized disclosure of my student loan information without my written consent, for higher education obtained at XXXXXXXX XXXX which was from granted from the federal government student aid and from XXXX Student Aid. I understand that my student loan data, which includes personally identifiable information protected by the Family Educational Rights and Privacy Act ( FERPA ), has been accessed by these parties again without my consent. I have never authorized the release of this information to XXXX XXXX or any of his entities, and I am extremely concerned about the potential misuse to my private data. This unauthorized access appears to be a direct violation of my rights under FERPA. the information contained within the student loan database, including my Social Security number, financial records, and other sensitive personal details, requires the highest level of confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM EXPERIAN, XXXX  AND XXXX
Product: Credit card or prepaid card

My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I connected my chime card with my external bank account assuming the transfer move money send money process would be the same as any transfers and that it should not take five business days speaking with many different members of chime no one could give me a straight up answer a simple question either give me my money back stop the process or add the money to the chime card they said they could see the money is there but waiting on my bank to release the funds the funds were released asap I did all of this from my online banking I could see the money wasn't in the bank account no more I been calling chime to get my funds they are giving me the runarounds with me my time my money my I don't have any more patients with these bank or money corporations stealing or holding on to my money I'm not getting nowhere with them I don't know if they can understand what I'm saying I know for sure they not listening or trying to understand my furry!!
Product: Credit reporting or other personal consumer reports

I had Equifax XXXX XXXX before the XXXX XXXX XXXX & returned to them for their services in XXXX. I became a Victim of Identity Theft while having their XXXX XXXX XXXX XXXX. Equifax totally IGNORED my claims. I received Monitoring Alerts from Equifax of XXXX new accounts that opened in my name & were added to my credit reports but Equifax refused to investigate the alerts & the source that reported the accounts. 

Eventually Equifax removed the fraudulent account in XX/XX/XXXX but still refuses to remove the XXXX that belongs to the account. I also filed disputes with Equifax because whoever is reporting the false accounts have also ALTERED & DELETED Soft Inquiries related to those accounts. There are many that have been changed from the name/company of the false account and replaced with the Equifax name as if they are actually mine when I pulled my own credit reports when I had their monitoring service. I have ALL copies of every credit report on my file with Equifax and there's so many updates & deletions that line up with dates that my identity was stolen and used against me. I contacted Equifax today XX/XX/XXXX because of the Inquiry that continues to remain on my file which allows the thief to have access to my credit file as Equifax never blocked them although they received a Police & Identity Theft Reports with USPS XXXX XXXX XXXX XXXX had them in their possession. 
The Equifax agent is also aware that other contact numbers have appeared on my credit file in Soft Inquiries that are under XXXX as Equifax. I know the thieves have updated the Soft Inquiries and have been tampered with to cover what Equifax has allowed. Today an investigation was opened through XXXX XXXX XXXX and as usual within MINUTES it shows the investigation was closed because they will continue to keep the false inquiry on my credit file as Equifax continues to work in favor of thief. The agent said it would take 30 days for the investigation but again they've lied. The investigation shows results online as XXXX. I had credit monitoring in place with Equifax when I became a victim of Identity Theft. I would think Equifax understands the damage they have caused while I had credit monitoring services with them. Equifax has not responded through CFPB to all of the many complaints I've submitted. Instead, they choose to send responses via USPS mail only to say " RECENTLY, they've received information about my reporting ID Theft. '' They've had information since last year XX/XX/XXXX. They've FAILED miserably again & will be taken to Court for refusing to do the jobs that they are paid for the Consumer. 
**PLEASE EVERYONE SEARCH THE VALIDITY OF SOFT INQUIRES ON YOUR CREDIT REPORTS**
Product: Credit reporting or other personal consumer reports

I would like an investigation on my XXXX  credit card, XXXX XXXX, with experian. I have seen that the cfpb has a lawsuit against them and my credit score is affected me opening other bank accounts and getting a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXX. XXXX XXXX