23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX, I took out private " education '' loans that were sent directly to me, did not involve my school, and were for amounts that exceeded the cost of attendance. I was a single parent working my way through school and was ignorant to the predatory nature of these loans. Somewhere along the line, the loans were sold to XXXX. XXXX initiated a lawsuit after I was unable to work out a reasonable payment plan with them. I filed for XXXX XXXX bankruptcy in XXXX  in order to stop the lawsuit. I had a successful XXXX XXXXXXXX discharge 5 years later. My lawyer informed me that XXXX had 30 days post-discharge to initiate a new lawsuit, but they did not. 

Several months later, XXXX began calling me again. They somehow found my place of work and harassed the office manager at my job. My lawyer told me that XXXX could attempt to collect from me, but not harass my place of employment, and they could not sue me as they lost that ability. I spoke with someone at XXXX and they yelled at me and made derogatory remarks about my character. My lawyer sent them a cease and desist letter along with the bankruptcy court laws stating that they no longer had the right to sue. XXXX reported the unpaid loan amount to the credit bureaus which seriously damaged my credit that I was in the midst of repairing. 

Several months ago, I began getting phone calls from Weltman, Weinberg, and Reis Co. XXXX sold the debt to this collector. The statute of limitations has long run out and I am still being harassed. I am on the verge of filing XXXX XXXX bankruptcy now in order to make this finally go away. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My birthday is listed wrong on credit reports. I was born XX/XX/2000. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX
Product: Checking or savings account

Can not access my account have a balance and has not been sent to me closed my account for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 PNC Bank is blocking me from linking my XXXX XXXX. I was always able to link to PNC Bank but today getting a message that PNC Bank is suddenly denying me access to my account through XXXX XXXX  without any warning or Reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I've recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Mortgage

I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continuously reported XXXX XXXX to my credit profile. This has been disputed SEVERAL times, in addition to filing an FTC complaint regarding identity theft. Transunion has also continued to " dance around '' the issue by continuously providing frivolous responses and advising they are responding within 60 days. Transunion is ONLY allowed 30 days to respond accordingly. The pending open CFPB complaints will now be escalated and this should be considered an intent to sue. 

XXXX XXXX is reporting inaccurate, incomplete, FRAUDulent information. With that, they have been removed and blocked from XXXX, as they can not supply the supporting documentation. Considering the data furnisher should be providing the SAME " accurate '' information, this is clear that Transunion is deliberately committing several violations. 

Per transunions response, they have provided my demographics to a company whom did not have them prior and now they have " updated my address. '' Transunion has provided XXXX XXXX with the information needed to " validate '' a debt that is fraudulent and not owed to them by myself. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next 3 business days.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I applied for a {$2500.00} loan and I put in my bank account info, .because that account was where I wanted to funds to go. The problem is I have 3 bank accounts. 
It was unclear when applying what the bank verification was trying to attempt. 
The verification was to see my deposits and transactions so I was declined because the account I used for the application is where I deposit checks i get in the mail ect. 
My income check auto deposits to a Credit Union in a different state than where I live. 
I wanted to deposit in an account where I could withdraw without paying fees My intent was to use the money for some small home repairs completed, some folks prefer to be paid in cash, That was my thinking. 

When I called to try to redo the bank info to point to the account where my income is deposited I was told I could re-apply in 45 days. That doesn't help. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter to EARLY WARNING via USPS requesting a copy of my consumer file. Attached to that letter was a copy of my driver 's license and a utility bill to verify my identity and address. It took EARLY WARNING nearly 30 days in TOTAL to respond with a request for the same information I provided in my original letter. 

According to their letter, I must complete a " special form '' requesting the same information I already provided. Their letter to me was dated XX/XX/XXXX which is nearly 3 weeks after I mailed my request and I did not receive their letter until yesterday XX/XX/XXXX. 

I believe this to be not ONLY a stall tactic but also a CLEAR violation of the Fair Credit Reporting Act. As you are well aware, the law requires that a credit reporting agency complies with a consumer 's request upon providing information that verifies the consumer 's identity. It DOES NOT require that I use a " special form '' or " particular method '' of making that request. 

The FCRA certainly does not give them extra time to comply if their preferred " special form '' is not used although the consumer already provided all information required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT NUMBER XXXX PLEASE BLOCK FRADULENT ACCOUNTS ON MY CREDIT REPORT WITH EXPERIAN. MY EMAIL IS XXXX. 
XXXX AND XXXX  HAS LOST MY INFO. 

FRADULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$610.00} $ TWO ACCOUNTS WITH DIFFERENT BALANCES PLEASE BLOCK FROM MY CREDIT REPORT. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX AZ XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX, AZ XXXX, XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX but in my credit report shows as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that XXXX, XXXX and Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries do not belong to me. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit reporting agency is reporting inaccurate information on the account ONEMAIN. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. The charge off period reported is not accurately reflected in the policy. The data furnisher has breached the policy & are reporting this information inaccurately. Secondly the FCRA, which requires all reporting to be 100 % accurate, is not being adhered to legally. Since this account information is NOT 100 % accurate it must be deleted from the CBs report.
Product: Debt collection

Received a credit alert that XXXX XXXX XXXX  files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} XXXX XXXX through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX. I filed a claim in XXXX Against Consumer Adjustment co, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., The fair Credit reporting act 15. U.S.C 1681 et seq, NEW JERSEY UNFAIR TRADE PRACTICES ACT XXXX et seq Defamation and for invasion of privacy through intrusion upon seclusion On XX/XX/XXXX I officially served all respondents on XX/XX/XXXX I notified the XXXX that all Respondents had been served via email. As of XXXX XX/XX/year>. 

I have yet to be updated on any aspect of the Case besides the filing number I have not received any response from Consumer Adjustment Co about their violation of 1692 E2 ,1692 E8 1692F1 yet they have attempted to change the unauthorized amount previously furnished on the my Consumer Report as shown in the Attachment
Product: Payday loan, title loan, or personal loan

I, the natural person, Consumer who is protected under the federal law is demanding, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). compensation for DAMAGES, WILLFUL INJURY, UNLAWFUL ACCUSATION, ETC. I am demanding compensation and damages under a commercial tort, commercial security agreement including a fee schedule submitted under a UCC! with the Secretary of Treasury and in response to the Bill of Particulars sent to company certified mailing. ; for the false claims of an alleged debt to them. CHALLENGE FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the XXXX major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, my purse was stolen ( containing money, credit cards, social security card, and driver 's license ). XXXX XXXX I reported that information, and provided police report. I was given a free credit report recently, and in reviewing, I noticed that there are XXXX addresses being reported, that I have never lived at nor have I ever lived in either areas. I have never lived on XXXX XXXX, in XXXX, nor have I lived on XXXX XXXX, in XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where I have lived for the past 25 years ). Please remove the inaccurate information from my profile. Thank you kindly.
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXX XXXX FRAUD, PLEASE DELATE!!!!! 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Debt collection

I am writing to address fraudulent accounts on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. I demand immediate action to rectify this error, as it tarnishes my financial reputation and integrity XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

Im a victim of fraud. Someone called saying they were Wells Fargo fraud department and someone was trying to use my checking account through XXXX XXXX on their phone in XXXX. They had me move my money to XXXX XXXX and my money was gone. Wells Fargo claims is giving me the run around and taking forever to help me out. I still havent gotten my money back. This happened on XX/XX/year>.
Product: Credit card

I have done pre approval applications and regular applications through Capital One which are all denying as " Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement '' - I do not have any capital one accounts other than an auto loan which I obtained in XX/XX/year> with no issue and has never been late. I have previous issues with fraudulent capital one accounts many years ago, one of which was closed due to fraud and the other account they would not close even though it was opened at the same time and with the same information as the fraudulent account. With that being said both of those cards are entirely too old to be effecting me obtaining a credit card according to FCRA guide lines. There is also no outstanding or negative capital one accounts on my credit. I believe Capital One is denying me without reason and against my rights as a consumer.
Product: Mortgage

For years, XXXX automatically deducted my mortgage with no problems. But before Bayview took over, XXXX sent me a statement ( which I confirmed by phone call ) that my payment as of XXXX/XXXX/2015 would be {$610.00} instead of the current {$660.00}. 

Bayview bills me {$660.00} & does n't explain the discrepancy. I 'm inundated with letters repeating the same stuff & incorrect information from the loan counselor. Recenty, I got a letter that my account was transferred to another company & been waiting for details on who to pay for XX/XX/XXXX. 

Yesterday, Bayview sent a loan modification application for which they 've previously said I did n't qualify. 

In XXXX, transactions with the current servicer has me confused, stressed out, & suspicious.
Product: Debt collection

I went to court RE : this issue approximately 3-4 years ago. Was supposed to be assigned a payment plan with no further information from the company.
Product: Credit card

I have a Dillards XXXX XXXX card. I used it on XXXX/XXXX/2015 to purchase a XXXX of items at Dillards in XXXX. I happened to sign on to the credit card website today ( XXXX/XXXX/2015 ) and it has the balance due listed as owed by XXXX/XXXX/2015. I received no statement in the mail or by email, no notice that the due date was here. Further, the secure email feature on the website was XXXX, so I was unable to contact Dillards. This is the XXXX time in a year that the card has listed a payment as due without sending me a statement or notification. I know they have my email and address because they are constantly sending me marketing advertisements. 

Is n't this illegal? Are n't they supposed to let you know when the due date is on a payment? Last time, the payment was listed as overdue and again, I only found out because I signed on to see if there was a statement available.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I became a victim of identity theft. Multiple credit cards were approved in my name. The suspect maxed out all cards and cause my credit score to tank into the XXXX. Til this day, I have disputed multiple times, stating that Ive been in a natural disaster, but due to concerns of being sued or brought to legal terms, Ive never went to file a police report. I tried to file a FTC report after the charge off was added to my account, but no one wants to help me. I would like the late payment status & charge off to be verified and corrected.