23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been in contact with the debt collector for the companies multiple times and have shown and explained that the identity of the account was not myself due to the fact that when the accounts were originally opened I was not in a position to have done such, due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have pretended to investigate and only respond with the fact that they have verified that I own the accounts in question. But refuse to show me any proof in written form or any other form
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Disappointing! The Credit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online service is not working. 

Equifax is not answering the telephones. I have been on hold for 2 hours today. 

Equifax is not responding to a fax request to temporarily lift a credit freeze so I may refinance my home.
Product: Credit card or prepaid card

In XXXX I was removed as a customer from Wells Fargo and denied banking services including checking. 

I promptly closed my credit cards with Wellls Fargo at the same time after receving that news. 

Since then, I would recieve empty credit statement from Wells Fargo and I called back to let them know that Wells Fargo was continual sending me empty statements and that to please cancel my card. 

In XX/XX/XXXX Fraud department contacted me via automated text message about a fraudlent charge. The charge was declined properly. I called them within a few hours and requested again that they close my account as I have not been a Wells Fargo member for many years. 

This is unacceptable as it was about 7-8 years since I was no longer a member of Wells Fargo and not a cardholder AND that I had in the previous years, XXXX, XXXX, XXXX I called them because they did not close my account. Refusing to close a credit card is a violation of FDIC membership and a business practice that is unethical. I am reporting this because this practice is unacceptable. 

They did refer me to their Customer Advocate program and gave me case number XXXX ( Please redact ). I was assured that the card was closed and that I would be given written confirmation as well. I actually don't know if they are going to close the account and I have no faith in Well Fargo to actually do this and so I am pre-emptively writing the CFPB of this practice. I don't know why they didn't close the account for so many years but there needs to be something to protect the consumer because an open credit card without the consumer knowing it is open is a inherent financial security risk.
Product: Debt collection

My name is XXXX XXXX, I have been a victim of identity theft and now I there is. Collection in my name from XXXX for XXXX and I need that to be removed from my credit because its affecting me in many ways. 
Thank you in advance and I hope this issue can be resolved
Product: Vehicle loan or lease

Leased on XX/XX/year> a XXXX XXXX from XXXX of XXXX, XXXX dealership. XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX. 
The vehicle is a fully electric, no hybrid SUV. I specifically purchased/leased the vehicle because of the discounts applied and the IRS government rebates for the EV vehicle ; {$7500.00} from Fed and {$5000.00} from State. The sale representative, XXXX XXXX, said multiple times that she was excited for us to lease versus purchase because of the rebates that would be provided to us for the vehicle. Further, nothing in the lease agreement or disclosures stated we would not qualify for the tax EV rebates. Now, when I try to contact the dealership, they will not return my calls. If I was informed about the disqualification of the EV rebates, I would have kept my other XXXX as I was expecting {$12000.00} of discount against the lease and the ability to possibly later purchase the vehicle using the rebate money.
Product: Mortgage

I refinanced my mortgage on my condo a couple of years ago and my loan was sold to Village Capital & Investments. Up until this point, I have had no issues with payment and have never needed to call customer support until recently. 

I am currently still waiting on my XXXX Form-1098 to file my taxes. My XXXX tax document was received on XX/XX/XXXX last year, but as of XX/XX/XXXX, I have yet to receive my XXXX document. 

I am opted for the paperless delivery system, and my online profile only shows my previous year tax document. 

I have tried to contact the customer service number ( XXXX ) over the last couple days and have been waiting on hold for long periods of time, even waiting 50+ minutes before I gave up. I also tried the call back option and have yet to receive any correspondence. I also emailed twice with no response. 

When I called the customer service number and tried the refinance option, I was conveniently able to speak to a live person right away, but was sent to the tax department and put on hold again. 

I'd like to think this is a one off occurrence, but other comments on XXXX show similar results with customer support. I just want to be able to pay my taxes and not get in trouble with the IRS.
Product: Debt collection

i sent them a letter on XX/XX/17 asking them to verify the debt and what actions they took to veryfiy the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One Mastercard simply stopped mailing me statements. When I called Customer Service ( 3 times ) I was told that representative could not explain what had happened. My last call had a representative tell me my credit card account had been sold but no contact information was available.

In the meantime, no monthly statements have been received in almost 3 months. I have continued making payments but am seriously concerned about what Capital One is doing to my credit score.
Product: Debt collection

Experian did not properly investigate my dispute. False records on the credit profile. I asked Experian to call XXXX XXXX XXXX and request documentation of me moving into the so-called apartment. This should have been off of my credit report but, Experian has failed to follow the law and the appropriate guidelines. Experian has found my inquiries relating to the collection to be fraudulent and removed them accordingly. Why is the debt that stems from the collection not taken off?
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

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

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX
Product: Money transfer, virtual currency, or money service

Pnc will not connect with my other bank via online
Product: Checking or savings account

Wells fargo cancelled all the debit cards for my accounts denying access to my funds due to alleged too many claims. The claims were valid and reversed in most instances by the merchants. Some airlines did not refund the money from my checking account. after a new account was opened recently, they did reissue a debit card only to have a representative ask my to drive back to the bank and return the card.
Product: Credit reporting or other personal consumer reports

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements. 

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 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.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ XXXX
Product: Prepaid card

XX/XX/year> - I have tried to activate my XXXX XXXX XXXX XXXX XXXX for the first time. I was unable to. I contacted customer service and verified my identity. I was told the debit card was flagged as suspicious We discovered someone else had already activated the card before me and made unauthorized transactions for the entire {$1300.00} balance in the debit card. I was never notified about the card being activated nor received any notifications about the unauthorized transactions. They opened a customer dispute claim on the same day. 

XX/XX/year> - I received the customer dispute claim forms in the mail XX/XX/year> - I sent in the customer dispute claim forms to XXXX XXXX XXXXXXXX XXXX through email at XXXX XX/XX/year> - I call in the confirm with the XXXX XXXX  Customer Service for XXXX debit card to check if they have received my customer dispute claim. They said that the claim they opened for me was rejected XX/XX/year> and now I need to go through an appeal process that takes XXXX days. The reason why was because of " due to failure to report the transaction errors timely ''. They rejected my claim before I had a chance to submit my customer dispute claim with the evidence and they never notified me about the unauthorized activation and transaction of my XXXX debit card. 

XX/XX/year> - Filled out an appeal claim for the initial denial.
Product: Debt collection

Resurgent Capital Services is telling me that I owe LVNV Funding LLC, XXXX, I asked Resurgent Capital Services for the original signed contract, I want the contract that shows that this account belongs to me, I also want to see the last billing statement from the original creditor, the date of my last payment, and when it was that the collection company bought the debt. Is Resurgent Capital Services licensed to collect this debt in my state. I want all of this documentation in order to prove that this debt belongs to me, I want to see the original contract, I have never done any type of business with any of these companies, nor have I ever signed any contract with them. The paper that Resurgent Capital Services sent to me does not prove that the account belongs to me at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiry from my credit report. I have been a victim of a data breach, and the listed items are not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and permanently removed from my credit report. 
Fraudulent Accounts to Block and Delete : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$780.00} Fraudulent Inquiry to Block and Delete : XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Mortgage

Chase home finance is the current owner and investor of my mortgage loan. I fell behind on my mortgage payments during a long divorce in XXXX. During this time, the judge informed us that my ex would have all the rights to live in the house and was forced to find housing elsewhere, temporarily. After applying formodification in XXXX one was offered and sent to the subject property without my knowledge and never signed. Later, I found out in court that the modification was denied because it was not signed and returned in time. 

After tis unfortunate turn of events, my income had went up and continued to apply for Loan Modification with Chase. Since this time I have been unable to even get reviewed for loss mitigation options and have been told on numorous occasions that the only option is sale of my home or deed-in-lieu. I have proven without a doubt that my income can handle a new payment, even if it is significantly higher than previous, but have been unable to even apply.
Product: Student loan

To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).
Product: Debt collection

Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail
Product: Debt collection

I've never had XXXX XXXX  accout. Someone use my information in 2 other accounts also