23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
Product: Student loan

There is an XX/XX/XXXX deadline for student loan forgiveness for a one-time adjustment of borrowers payments I will be unjustly denied. I consolidated back in XX/XX/XXXX which is still under review and the DOE can not see my loan progression from its conception back in XXXX to now. ( over XXXX  years ) To the DOEs/XXXX  admission, they do not have any paperwork before XXXX. Basically, per Bidens guidelines, the DOE is unable to see a complete payment history of this loan and I can not get the full credit Im entitled to. I was unable to pull records from banks that erase their histories after a decade and the DOE is incompetent with record keeping. My loan only started at around {$7500.00} in the XXXX and it's ballooned up to {$17000.00} today. 
ARIZONA STATE SENATE Fifty-Sixth Legislature, First Regular Session FACT SHEET FOR H.B. 2066 banks ; financial institutions ; personal information Purpose : Requires a bank or financial institution to destroy all personal information belonging to a former customer or client within XXXX  years after the business relationship ends, with exceptions.
Product: Credit card

XXXX WHAT I WROTE TO DISCOVER CARD AFTER I WAS DENIED OF MY UNLIMITED CREDIT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX Discover card XXXX XXXX XXXX XXXX, DE XXXX Subject : Denial of Credit Violation of Equal Credit Opportunity Act and Consumer Credit Protection Act Dear Sir/Madam, I write to bring to your attention a serious matter regarding the denial of my access to credit, which I believe constitutes an act of discrimination under the provisions of the Equal Credit Opportunity Act. As an attorney in fact for XXXX XXXX, I am compelled to address this issue on his behalf. 

Regardless of the reasons for the denial of credit, it is important to note that under the Equal Credit Opportunity Act, individuals have the right to receive fair and equal access to credit. By withholding XXXX XXXX 's access to his securities, it appears to be a violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

I hereby request that you rectify this situation by retracting XXXX XXXX 's credit application, as it is evident that his rights under the aforementioned acts have been violated. It is imperative that Discover card, as a reputable financial institution, upholds its legal obligations and ensures equal treatment and opportunities for all consumers. 

I trust that you will promptly address this matter and provide a written confirmation of the retraction of the credit application to avoid any further legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Mortgage

To Whom It May Concern I ahve received a letter from Wells Fargo informing me that as of XX/XX/2019 : : The servicing of your mortgage is being transferred to XXXX XXXX XXXX XXXX without my conc ern, due process or input.I do not kow anything about this company and no information has been made available by the transferring entity, Wells Fargo Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into an agreement with XXXX to service my mortgage. After entering into the agreement, XXXX commenced to breach the agreement by refusing to credit timely payments to my account and instead reporting me late.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. XXXX and/or any other risk score or algorithm used to calculate a consumers XXXX XXXX is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

XXXX or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXXXXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

I have been in contact with my insurance provider who confirmed the debt was paid in full. I have also been in contact with the debt collector ( Wakefield & Associates ) who also confirmed the amount was paid in full and they would update my credit report. The debt collector is refusing to update my credit report to reflect the account was paid in full.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT FROM THE XXXX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.
Product: Student loan

My problem is with Navient. I feel their goal is to keep you in debt forever. They are now in a class action suit, which I only found out about because they stopped sending me statements XX/XX/XXXX and I had called to find out why. I was told it was because of bankruptcy. I am a cosigner on this account with my son so I said I hadn't filed bankruptcy, so it must be my son. They said yes. This was very upsetting to me so I called my son & no he hadn't filed. After a few more calls to Navient, I found out they had a class action suit against them. Also, even though I was not getting a bill I am still being charged interest. 

My statements that I had been receiving state that currant amount due is XXXX. Past amount due is XXXX. Unpaid fees XXXX total payment due XXXX. And on this statement due XX/XX/XXXX the interest is {$35.00} yet on my payment history is was charged {$56.00}. 
Another complaint is that I had a name change in XX/XX/XXXX which I verified with Navient by a copy of my marriage certificate. My name was changed but of XX/XX/XXXX they changed it back to my previous name.
Product: Debt collection

Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.
Product: Mortgage

I had to file for bankruptcy due to a serious medical illness which left me XXXX, I do not have an attorney because I could not afford one ( 'XXXX XXXX ' ). Since XXXX XXXX I have been attempting to get a re-affirmation agreement from XXXX XXXX XXXX. The bankruptcy judge gave me an extension until XXXX before my discharge would be applied. 
Every time I call XXXX they give me the run around about why the re-affirmation agreement has not been issued. I have called every week since XXXX XXXX, XXXX. I was told it would be mailed out on XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX, then the excuse was we can not get the screen shot to send out the re-affirmation agreement. Every week it is a different excuse, we are under staffed in the bankruptcy department. I have heard it all. Now time is of the essences, I have a date for the final discharge on XXXX of my bankruptcy and I still do n't have the re-affirmation agreement for my mortgage. 
Then, I called XXXX XXXX XXXX  attorney XXXX XXXX XXXX, and spoke with their attorney XXXX XXXX below is their contact information ) : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX explained to me that she had prepared the re-affirmation agreement on XXXX XXXX and she had not received it back from XXXX as of yet. She would contact them to find out what the problem is. This was on XXXX @ XXXX pm when I first spoke to XXXX. I spoke to attorney XXXX on XXXX at XXXX am and she stated she still had not received the re-affirmation agreement and she was going to call XXXX and find out what the problem is. She did call me back and was told the bankruptcy department is behind about 6 days, due to being under staffed. 
Moving forward to XXXX, I have still not received the re-affirmation agreement from XXXX. I have been doing my due diligence for over 90 days trying to get this unprofessional mortgage company to provide me with this re-affirmation agreement. They are attempting to force me to obtain an attorney to handle this matter, when they know financially I do n't have the resources to pay for one. 
This mortgage company should have to follow the bankruptcy rules and regulations, which they are not complying with. I need your help in dealing with XXXX.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and Trans Union immediately! 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX auto finance XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX AUTO FINANCE XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a 529 savings account for my daughter with USAA bank XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been XXXX several times and have move multiple times. I came across an old statement and reached out to find out the status of my account and to update my current address. I was advised that my account was sold to XXXX XXXX XXXX. The person on the phone stated that they needed to send me a verification code to my email to authenticate me, he then sends a code to the email they had on file, that is still my current email. I read the code back to him and was then advised I needed to answer additional questions, He then proceeded to ask me question I am not sure from where but random things like who XXXX is or who Is XXXX and what car did I own, most questions that have never been related or associated with me. He then told me I needed to wait 24 hours to speak to them again. I do not know what kind of information they have on file. I need to know what is the account status for my daughter XXXX XXXX 529 savings plan or CD.
Product: Credit reporting, credit repair services, or other personal consumer reports

150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX  90 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything
Product: Vehicle loan or lease

This complaint is with Credit Acceptance Hello. I am aware of my full balance due on my vehicle. The remaining balance as well as the pay off quote is way more than what the original price of the vehicle was, which was around $ XXXX. My vehicle has over XXXX in miles, I pay 21 % in interest which is absurd. I have already paid over XXXX so far, it's no reason for my pay off quote to be over XXXX. I am really having a hard time paying such a high car note. My XXXX  car note is XXXX XXXX I need for my contract to be changed. Or at least the amount to change so I can pay it off sooner. The remaining balance is over XXXX to pay and they won't do nothing to help. I called multiple times and no one helps.
Product: Debt collection

Abbott, Osborn and XXXX, XXXX. failed to validate $ XXXX debt in 5 days all original documents, lied to me and judge XXXX with misleading data, without permission used as plaintiffs XXXX and XXXX XXXX, XXXX. false names on legal documents ; copyright, patent and trademark infringement ; rifled mail with fake process servers trespassing, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX XXXX, XXXX. failed to validate {$200.00} debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX, XXXX. # " XXXX '' and # " XXXX '' also failed to validate $ XXXX debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations.
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 XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) 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 listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXXXXXX XXXX XXXXXXXX with a bal. of {$260.00}.
Product: Credit reporting or other personal consumer reports

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Product: Mortgage

On XX/XX/XXXX, I had extensive water damage to my home. I filed a claim with XXXX XXXX XXXX ins. XXXX XXXX, XXXX XXXX paid XXXX to repair my home. The check had my name and my mortgage company phh mortgage name. I was informed by XXXX XXXX  that it's the law that my mortgage company has to be on the check. Phh mortgage required that I endorsed the check to them, sign an agreement to repair the home, and provide them with the adjuster report. On XX/XX/XXXX I complied with phh mortgage. On XX/XX/XXXX phh mortgage stated that they sent me a check for XXXX for repair materials as well as pay a contractor for the work. On XX/XX/XXXX I spoke with a XXXX, she said that she doesn't have a last name regarding the funds. She stated that was the amount alloted to begin the repairs and that I can requestor funds at a layer date. I told her that I'm living in a hotel due to the damage and that amount will barely cover the materials. XXXX said that i can pay my mortgage balance In full and phh mortgage can release the funds in its entirety. I asked to speak to a supervisor and was informed that a supervisor isn't available that someone can possibly call the next day. I insisted that there has to be some type of manager that I can speak to. I was placed on hold for 30 mins just for XXXX to return to the line stating that the loss department is closing at XXXX and someone will call the next day. Phh mortgage is committing insurance fraud by not releasing the funds for my home repairs. 
If they are illegally collecting interest on funds that are Intended for me to repair my home that interest should be transferred to me. In the meantime I am unable to return to my home while they play games with the home insurance money. Phh mortgage is scamming consumers out of their home owners insurance repair funds.
Product: Checking or savings account

I had cancelled a subscription to XXXX months ago. I filed a dispute with my bank ( bank of America ) and the funds were refunded to me. Then out of no where they pulled the funds again over-drafting my account. It should be noted that BOA will not let me personally over-draft my account but they feel entitled too do so. This was after I sent all relevant information proving the subscription was canceled. Their solution instead of refunding my funds was to allow my account overdraft protection, or at least thats what was said to me but yet I still have no received my refund and they will still not allow me to overdraft. I want my money back. I work hard for every XXXX I make I cant afford them taking over {$100.00} and then refuse to let me overdraft like they do relegiously. Something needs to change. If I have too I will hire a lawyer but it is my understanding this is the purpose of this particular government agency so Im hoping you can get my money back if not Ill contact my senator and ask his what it is you are supposed to be doing in that office of yours.
Product: Mortgage

Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!
Product: Debt collection

Every day, multiple calls per day. 
Some robocall, some with person. 
Asking about an estranged relatives debt, not ours. 
We have repeatedly told them not to call. We did not have contact with this person and we were not going to do their job for them. 
They told me they would continue to call anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!