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

CAPITAL ONE BANK USA N {$560.00} 75 % usage 3 late payments, CAPITAL ONE BANK USA N {$530.00} 59 % usage 4 late payments KOHLS/CAPONE {$0.00} 0 % usage 1 late payment
Product: Checking or savings account

My name is XXXX XXXX today I have visit the branch to get my online banking access unblocked because when I login it say this your credentials require attention. Sign on at wellsFargo.com using your current username and password, then follow the prompts when I call the fraudulent department for the online access yesterday at phone number the at XXXX they say have to go into a branch to my verify my information with a picture picture id to have a agent to call them to get my access restored and I did and I want to this branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States ( XXXX ) XXXX today and the lady who helped me I dont remember her name like first or last name but she dont know what she was doing and my online access didnt get unblock and she told me they couldnt unblock it of too many fraudulent claims on the account thats is untruth I didnt make too many claims on my account that was fraudulent and she didnt fully help me right they didnt verify me over the phone when I was in the branch or talk to me over the phone too and she couldnt hear them wells and she have to want into another room with another working well phone but I wasnt in the room and I couldnt hear both of them talking and they didnt talk to me both ways out the room or in the room but she didnt take me to the working phone room or ask them if they need me to talk to them or fully help me with my issue and it still not resolved right and she didnt get my access restored and I like to make a complaint on her because she first didnt want to help me and I was waiting for a longtime to get help they was helping other people but not me and when I did got help because she didnt want to help me because my son was talking for me because he fully understood more stuff then I do and he know what to say and to do because I am slow and she say he cant help you or I cant help you or I only can help you and he should not have your card or your bank access because you his payee on ssi etc and I want this complaint to be investigative and my online access to be restored and unlocked and unblocked because yall keeping blocking my access to my login and giving me account issues for no reason this this issues not my fault etc My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Checking or savings account

Closed my checking and savings around XX/XX/XXXX, they said they would send my final check from closing the accounts within 7-10 days, I have contacted capital one multiple times and get the run around about the check was returned, invalid address, but I get my statement from them at the address listed? We will XXXX  it to you, and nothing. Now they are saying I need to wait to see if someone else cashed it? Another lie! If not then I need to wait 7-10 more days for my money! I am beyond livid!
Product: Credit reporting or other personal consumer reports

I have never incurred any debt with [ XXXX & XXXX XXXX XXXX XXXX ], nor have I entered into any contractual agreement with them. 
To the best of my knowledge, I have not received any services, goods, or financial transactions from [ XXXX & XXXX XXXX XXXX XXXX ] that would warrant the debt they are claiming.
Product: Credit reporting or other personal consumer reports

I have a security freeze on my Experian credit report. I tried to remove the freeze, only to find that someone stole my information and changed the User ID and password on my Experian account. I am completely unable to remove the freeze. 

I tried reaching out to Experian for days and they do not allow you to talk with a live person, only an automated system that just keeps going in circles. I have been unable to get anyone at their corporate office. 

I am being held hostage by Experian and have been unable to secure needed credit due to this freeze. This is creating a major hardship for me. 

Experian does not use two step authentication and it is extremely easy for fraudsters to access your account and hijack your credit report. Experian should be held liable for this inept business behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX  Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX  XXXX XXXX  XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XX/XX/2021 -- Made mortgage payment to US Bank via US Bank portal ( Bill Payments -- > Pay US Bank Account ) Payment was applied as a principal-only payment rather than as a monthly payment ; due date for monthly mortgage payment did not change. ( This event followed a number of administrative errors made by US Bank Home Mortgage following a mortgage refinance. )
Product: Debt collection

On XX/XX/XXXX, my vehicle was stolen from outside my old apartment complex ( XXXX XXXX XXXX  ). The complex refused to take any action or ensure my safety & completely stripped me of my livelihood. My vehicle was broken into a month prior on their property & the lease I had signed with them stated that they must take security measures & they never did. They lied about having security. So, I ended my lease with them early & moved out. After moving out, I was the one who cleaned the entire apartment & found someone to take over the rest of my lease. They moved in the beginning of XX/XX/XXXX. I paid the remaining days of my lease & the days they had not moved in yet & the complex said it would be all good to go after that. Fast forward to XXXX. The apartment is now trying collect remaining rent and utility payments after someone else already moved in & took over. I had disputed this through XXXX, explained the situation & sent an entire word document with proof that the complex knew someone else moved in & took over the remainder of my lease. XXXX removed the collection from my credit & I thought everything was taken care of. In XXXX of XXXX, the collection was placed back onto my credit report. XXXX said this happened because the confirmed with the collection agency that the debt was correct. The debt is not correct & everything was taken care of. Carter-Young Inc. was very unprofessional, they called & harasses my boyfriend at his previous place of work multiple times & used derogatory language with my mom over the phone as well. The debt amount they are trying to collect is for XXXX of XXXX, months past me living there. I paid what I needed to & found someone else to take over the rent & payments. I moved out XX/XX/XXXX & had everything taken care of. This debt is not correct & it was also happening in the middle of Covid.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years. 

15 U.S.C. 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.
Product: Credit reporting

Not sure every account on my credit report are mine. I 'd like proof that these are mine with my signatures!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is wrong. Asked company to validate and they were unable to. They sent the attached letter for their validation.
Product: Debt collection

I have disputed this debt several times. They say they validated the debt. According to XXXX5usc1681b no permission to place on account. Falsely placing is grounds for imprisonment and or {$1000.00} for the violation. The debt is originally from XXXX. XXXX is no longer in operation, so who did you talk to to verify the debt. How can you validate and say the debt is mine. BREAKING PRIVACY LAWS> {$1000.00} XXXX tried to call XXXX to get a resolution. If I can't reach them how are you???? 
Where is the paperwork that I signed? 
I asked them how did they verify the debt and not to send a bill, because a bill doesn't reflect I actually owe the debt. 
I want the original paperwork that I signed with wet ink to show I signed it. I want my money for this violation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae is harrassing me for unpaid loans. I am a student and have sent them the in school deferment paperwork. They claim I am delinquent, but I started class before the accounts reached delinquency.
Product: Mortgage

This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit file. Specifically, [ Account Number ] is being reported as a redeemed repossession on my credit report. This is incorrect and misrepresents the true status of the account. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting an account as a redeemed repossession when that is factually inaccurate is a clear violation of this obligation. I have not redeemed any repossessed property or vehicle, and the inclusion of this remark is erroneous. 

Furthermore, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information on my credit report. Once notified of a dispute, the credit reporting agency is required to investigate the accuracy of the disputed information within a reasonable time. I am now exercising this right and requesting that you investigate this claim immediately.

2. Violation of the Uniform Commercial Code ( UCC ) 9-625 According to UCC 9-625 , creditors are required to adhere to strict guidelines concerning the repossession and redemption of property. Reporting a repossession inaccurately, when no repossession has legally occurred, violates the principles set forth in the UCC regarding fair and accurate reporting of financial transactions. Moreover, UCC 9-609 details the specific rights of creditors when taking possession of collateral after a default, and no such action has taken place in my case, nor has any redemption.

3. Impact on My Credit Score and Financial Health The inaccurate reporting of a redeemed repossession is unjustly harming my credit score and financial standing. A repossession or the suggestion of one, redeemed or otherwise, implies negative credit behavior, which is not the case here. Reporting such false information is damaging to my ability to access credit, and it violates my rights under the FCRA and UCC.
Product: Debt collection

On XX/XX/2021, I requested a debt validation letter from XXXX and Equifax for an XXXX XXXX XXXX regarding a loan for a {$6400.00} loan. Unfortunately, XXXX and Equifax have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit is required to remove from credit report within 30 days of the requested date.
Product: Mortgage

We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have made arrangements to pay this company in installments and have already made the first payment.
Product: Consumer Loan

My car was repossessed by Snaac XX/XX/XXXX on a Friday. I made the payment the next day. I called to verify that they had received my payment. Snaac said that they did, but I would have to wait until Monday to talk to the department that handles repossessions. I called Snaac Monday and a representative informed me that my car was scheduled for pick-up to be taken to auction. She told me she would fax XXXX ( XXXX, Texas ) the necessary documentation to stop them from taking my car to auction. I called the towing company to let them know that Snaac would be faxing them said paperwork and that I would be calling back. Later on I called back and was informed my car was being taken to auction ( XXXX, Texas ) because they never received the proper paperwork to prevent them from taking my car to auction. I live in XXXX, Texas. I immediately called Snaac to find out why they did n't fax the paperwork, and the representative in the repossessions department informed me that she did fax over the paperwork. Either company did n't want to take responsibility for the horrible mistake that was made. I did n't get my car back for four days. The supervisor informed that any and all fees for repossession would be waived because it was their mistake my car was taken to auction. XX/XX/XXXX Snaac tried to reapply charges to my account for repossession fees. XX/XX/XXXX, I decided to retrieve a copy of my credit reports from all three bureaus. I noticed Snaac reported late payments and a statement to my report saying " redeemed possession '' months after the fact. It was recently added to my credit reports. I do n't understand why that is so many months later and after the horrible mistake that they made and penalized me for. This is what prompted me to submit a complaint. Snaac has phone recordings that pertains to this situation in their archives.
Product: Student loan

MOHELA lists IDR recertification date is in XXXX and will not respond to inquiries. Dept of ED states If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX  year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. Yet, my date is still incorrect. 

If I fail to recertify by MOHELAs incorrect recertification date I will have my accrued interest of over XXXX capitalize onto my loans principal. I would like MOHELA to follow the guideless set by the dept of ED and push back IDR recertification dates like they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information that is hurting my file with XXXX XXXX XXXX XXXX looking over the report alot of data has been invalid and caused a lot of denials due to mislead information. please review and delete all listed items ASAP to help clean my file. 

The account : WC/KOALAFI was opened in my name on XX/XX/XXXX to an address I've never been associated with and without my approval. With a balance of {$1600.00} and this account was charged off as a bad debt on XX/XX/XXXX. 

ON XX/XX/XXXX I sent in all requested documents for this to be removed as fraud it wasn't done, and I called again today on XX/XX/XXXX and was told to send it again I sent the documentation again.
Product: Mortgage

On XXXX XXXX signed Borrowers Authorization was submitted to Selene Finance LP via e-mail for a payoff quote. That request has been faxed and emailed several other times. I have called. I have tried to get this escalated. I have been on hold for far too long. I have requested to speak to a supervisor. I have requested to speak with a compliance officer. Nothing. I just sent 2 emails and 2 FAXES today demanding the payoff quote after calling. I was told I could not speak to a supervisor nor the compliance department. 

This is a clear violation of 15 U.S. Code 1639g and I am escalating a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX