23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XXXX of 2023. I have made every payment to the account that I was directed to. XXXX bought my loan and are stating that I have not made a payment. The first time they stated this I called them and gave them the confirmation numbers and they said they would look into it. This was just maybe XXXX months after the purchase. The issue has yet to be resolved despite numerous calls. They are now charging me late fees and reporting to my credit. I have all the documentation needed to prove that all payments have been made and I have patiently waited for the issue to be resolved. I was told things like " this happens a lot '', " all I can do is forward the issue to the ... .office ''.
Product: Debt collection

Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.
Product: Credit reporting or other personal consumer reports

.Identity Theft! I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen many times, & horrific amounts of my info has been stolen MULTIPLE times by hackers & the data breeches, including XXXX Experian breech & even out of the secret level of the federal office of personnel. I am very careful with the credit bureaus. On XX/XX/XXXX, I lifted the EXPERIAN freeze for 24 hrs, to start Mon XX/XX/XXXX @ XXXX & end XXXX. Today, XX/XX/XXXX, I reviewed my EXPERIAN XXXX EXPERIAN CREDITWORKS files & the recording said the freeze is due to be reinstated on XX/XX/XXXX. Experian has failed to secure my file for 5 days. I have spent 3+ hours trying to address this on line. The FREEZE options are ADD, REMOVE or LIFT, there isn't an option to reinstate the freeze, always looped to a solution that costs money. All phone numbers don't offer replacing the file freeze & all offices are closed. I can't add a freeze because there already is an account with that info.Round & round, & round is their path to their money solutions. If EXPERIAN has a way to reinstate the freeze, I can't find it. Really, shame on them. Thank you
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX - Date of inquiry : XX/XX/year>
Product: Payday loan, title loan, or personal loan

I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please
Product: Debt collection

I don't appreciate the lies coming from the person who wrote this letter. I did place a payment plan but lvnv funding still placed it on my credit files. I've always had trouble with these people. I had a right to change the payment amount to one that fits my budget. But they still lie to the CFPB to continue to do what they're doing to me LVNV is the biggest civil rights violator out their. I was trying to make a payment that fits my budget which I have now and made two payments on this account. That is what this woman failed to mention.
Product: Credit card

Ex girlfriend applied for several credit cards in XX/XX/XXXX  using my identity without my consent or knowledge and then made herself an authorized user. Capitol one is the only company that wont side with me and take XXXX balance of my credit score. I never received requested affidavit from capitol one. I filed police report in XXXX XXXX  and place credit freeze with credit bureaus. Attorney contacted them since Ive closed account three seperate times.
Product: Student loan

PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX  XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX  XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX  without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. 
Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX  XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. 
The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. 
I ask for the CFPB 's assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX and XXXX has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on Equifax it says " Closed '' on XXXX it Says " Closed '' and on XXXX it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the XXXX Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX XXXX XXXX Amount {$580.00}, On Equifax its XXXX Closed '' but on XXXX its XXXX is " Open '' and it was completely removed from the XXXX Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the XXXX Report XXXX say " Open '', but has Been Removed for the Equifax and XXXX Reports, Why is that? 

XXXX. I XXXX XXXX  : Alleged Amount {$340.00} : On the XXXX report status is " Open '' XXXX Status is " Closed '' and On the Equifax it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On XXXX Status is " Open '' and Has been Removed from the Equifax and XXXX Reports, Why is that?. 

Note : All letters sent to the XXXX XXXX XXXX XXXX XXXX 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.
Product: Debt collection

This debt is not valid according to the Illinois XXXX XXXX XXXX XXXX ( XXXX ILCS XXXX ). 
Failure to provide me with itemized receipts or evidence to support the claimed damages within 30 days of vacating the premises means XXXX XXXX has no legal right to pursue the listed charges. XXXX XXXX XXXX this law and sent the alleged debt to National Credit Systems , Inc . 

I disputed the debt with both companies, and provided proof of invalid debt. Both have disregarded the proof. 

XXXX : XX/XX/XXXX XXXX ends. Property vacated. 

XX/XX/XXXX disposition received via email and printed mail to my new address. 
This letter shows that XXXX XXXX has my new mailing address, and has used it. 
Note : this is not an itemized receipt or evidence to support the claimed damages. 


XX/XX/XXXX I sent a dispute to XXXX XXXX refuting charges. 

XX/XX/XXXX XXXX day deadline for XXXX XXXX to provide an itemized statement of damages and charges, according to Illinois XXXX XXXX XXXX XXXX. 
Note : After this date, XXXX XXXX has no legal right to pursue the listed charges. 

XX/XX/XXXX I receive an email from YA collections about the unpaid balance. I respond, letting them know my account is still being disputed. They forward my communications to XXXX to ensure they are making way on my dispute/inquiry. 

XX/XX/XXXX After no response from XXXX XXXX, I sent email demanding all charges to be dropped due to breach of Illinois XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX sends email containing an itemized statement of damages and charges. 
Note : This statement is 35 days past the legal deadline ( 65 days past end of lease ), invalidating the charges, according to the Illinois XXXX XXXX XXXX XXXX XX/XX/XXXX National Credit Systems sends me a collections letter attempting to collect invalid debt. 

XXXX ? XXXX XXXX dispute debt, providing all documentation, and it is denied.
Product: Mortgage

Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.
Product: Mortgage

My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.
Product: Consumer Loan

Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX University Perkins Loans were transferred to the XXXX   XXXX XXXX XXXX  in XX/XX/XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my 3 credit reports from XX/XX/XXXX-XX/XX/XXXX. After they were sold to the XXXX  XXXX  XXXX XXXX, they resubmitted these same loans as NEW debt to my XXXX  and Transunion credit reports. The loans went into default in XX/XX/XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX. XXXX, my SSN # is XXXX. My XXXX   XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XX/XX/XXXX-XX/XX/XXXX. My student loans went into default in XX/XX/XXXX. My paychecks have been garnished from XX/XX/XXXX-present by the XXXX XXXX XXXX XXXX   but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XX/XX/XXXX. I have not attended college since XX/XX/XXXX, so there are no new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send three or 5 letters requesting documents thats shows physical proof of documents showing this accounts was verified its been pass the thirty day
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Innovis. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Innovis is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Innovis ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Innovis is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Innovis does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Innovis to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Innovis Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Innovis is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 SECTION 602 A. States I have a right to privacy.

( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried so many different ways to place a credit freeze on my TransUnion account. Everytime I call in, I have to get through what is probably the worst automated system on the planet and when I try to online, it says the status of my freeze is unknown and directs me to call. 

On the off chance I am able to get through, the customer service agents keep redirecting me around. I just want to be able to login and change the freeze status. IS that too much to ask for a stupid company that I am required to use for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their recent study along with the missed payments pertaining to the account number XXXX on my report. I requested an investigation and the correction of the information. No changes were made. I informed them that this company was violating the Fair Credit Reporting Act yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I reached out to all 3 of the Credit Bureaus in regards to unauthorized and fraudulent credit inquiries made by various of companies.
Product: Vehicle loan or lease

Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX