23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am XXXX XXXX. My loan Number with Wells Fargo is XXXX. Due to a job loss with XXXX, I got behind on my mortgage for my home. After some time I was able to secure additional employment with another company. I contacted Wells Fargo immediately to alert them of my current circumstances. I requested a loan modification with possible principal reduction, interest rate reduction or an extension of the loan. I requested the loan modification in writing and directly with a loan officer in an office in XXXX, North Carolina. I also had some discussion ( in writing ) with the bank 's CEO.I was told that a modification would be possible and began making payments based on the modification. While waiting for my official modification, I started receiving letters from an attorney from XXXX and XXXX indicating that I was my loan was in default. This harassment continued although I was told that the modification was forthcoming. After several months, I received a letter by the attorney representing Wells Forgo stating that my house was being foreclosed. I was told that it was sold to a third party and that I had no other choice but to vacate the premises. My discussion with the attorney- XXXX XXXX XXXX throughout XXXX. I was told that I had to until XXXX XXXX, 2015 to vacate the property. I received no further notices, nor did I sign any papers or affidavit, nor appear at any court hearing. I was not notified about any hearing or sale of my property. I went to my house on XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina only to find that I was not able to gain entry to my house. The locks had been changed and were dead bolted by a realtor 's lock. There was a note on the door to contact someone for questions regarding the lock. I contacted the number and it belonged to a XXXX who was sold the house. XXXX indicated that he had discarded some of my possessions and that I may not be able to get back in at that time. After some heated discussion with XXXX, I was able to get him to come and unlock the door so that I could get my things. Upon entering the house I found that there were several items missing : - XXXX '' in color television, sectional sofa, kings size bed, dining room set and mattress. XXXX indicated that he asked the neighbors if I was returning and that they had no idea. Those items were discarded without my permission and I was locked out of my house without warning, court order or official papers from any attorney or judge. I was promised that I would receive a modification but I was tossed out instead without notice or recourse. Furthermore, I was assessed a tremendous amount of late escrow and penalty fees on top on top of the mortgage while waiting for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXXXXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 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 To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX XXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Amounts on my card were charged that werent charged by me. I am trying to resolve this issue.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX BANK Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6400.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7600.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and wanted to freeze my report. It was easy with two agencies. Experian has been unable to verify on-line and provides a robot phone number to complete the process. Phone Robot takes me back to the same, non functioning, web site. Robot refuses to contact a human until I said " FCRA complaint. '' Human said try again tomorrow. Meanwhile, they have been able to text me with offers. I would like to freeze my credit. Thank You, XXXX
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX XXXX inaccurate reporting of my auto loan and the fraudulent balance of {$3600.00} that they have placed on my credit report. 

Key Issues With XXXX Reporting : 1. Incorrect Balance Reporting My vehicle was declared a total loss in XX/XX/year>, and my insurance company paid XXXX to cover the loan balance in full. 
XXXX delayed processing the claim until XX/XX/year> and then wrongfully reversed a XXXX insurance payment, leaving an inaccurate balance of {$3600.00} on my credit report. 
2. Illegal Late Payment Reporting Despite the loan being fully covered by insurance, XXXX continued reporting late payments from XX/XX/year> to XXXX XXXX should never have been reported. 
Under FCRA 1681s-2, furnishers must report only accurate information. These late payments are incorrect and must be removed. 
3. Failure to Provide Proper Verification XXXX has failed to provide an accurate breakdown of how they calculated the {$3600.00} balance. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to receive proper verification, which they have not provided.
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 an confidentiality under 15 USC1681 XXXX XXXX XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXXXXXX XXXX # acct XXXX XXXXXXXX XXXX  XXXX, {$190.00} XXXX  # acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX acct XXXX {$1000.00} XXXX XXXX XXXX # Acct XXXX {$730.00} XXXX XXXX # acct XXXX {$250.00} XXXX  XXXX Auto # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX  # acct XXXX {$7900.00} XXXX XXXX # acct 1914 {$130.00} XXXX # acct XXXX {$480.00} XXXX XXXX # XXXX {$730.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX portfolio XXXX {$450.00} XXXX XXXXXXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( XXXX  ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These acts have caused significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted
Product: Debt collection

The company XXXX XXXX XXXX represented commentity bank/victoria secret and this account was dissmissed making me no long responsible for this account see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax received my disputes of several tradelines showing on my credit report. As of XX/XX/XXXX ( 34 days later ) Equifax has not responded to my letter or deleted the tradelines from my report
Product: Debt collection

I was called at XXXX XXXX and the woman on the line was extremely rude when I commented on the time
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$8300.00} XXXXXXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$17000.00}
Product: Student loan

I have been enrolled in automatic payments for my student loan repayment through XXXX XXXX XXXX  for over a year. Today on XX/XX/XXXX I checked in on my account to see if they had received paperwork I submitted several months ago to renew my enrollment in the Public Service Loan Forgiveness program. When I logged onto my account, it said my last posted payment had been forXX/XX/XXXX. I double checked my bank statements and there has been no automatic withdrawals on my account since XX/XX/XXXX. I received no notifications from XXXX XXXX XXXX   that my payments through automatic payment had been suspended or that I had late payments. When I attempted to reach a loan service officer via the toll free number, no option was given to me to speak to a representative. I am highly concerned I will now be billed {$600.00} in back payments for payments that should have been billed and drafted from my account automatically over the last 3 months, or that these late payments will be submitted to credit reporting companies. Additionally, I have gotten no confirmation of my enrollment in PSLF program and no assurance that I am making qualifying payments.
Product: Student loan

On XX/XX/18 Navient informed me and the CFPB that it received my annual renewal IBR application ( see exhibit smoking gun 1 ). Navient stated that it received my annual renewal IBR application and that the address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX THIS IS INCORRECT. Looking at my IBR application ( see exhibit smoking gun 2 ) it CLEARLY STATES MY CORRECT ADDRESS WHICH IS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
My new IBR payments will begin next month in XXXX but I have not yet received information regarding my new payment amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in forbearance prior to the pandemic, however Fed Loan Servicing has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved. 

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

I have been trying to close my Comenity XXXX XXXX and XXXX XXXX accounts since XX/XX/XXXX. 

In XX/XX/XXXX, I agreed to pay them {$100.00} dollars by ACH a week until the debt was paid. By XX/XX/XXXX, the debt was supposed to be paid in full. They did not take the payment. Me thinking the account was settled, I receive a phone call in XX/XX/XXXX saying that I was {$160.00} dollars behind and both accounts are behind because of late fees. So again I pay another {$100.00} and they agree to close the account and the accounts still have not been closed. 

I just want my accounts closed and my XX/XX/XXXX payment refunded and the derogatory remarks removed from my credit report.