23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I spoke to a lady from navient and she mailed me documents for income driven repayment plan so I got approved and I called navient the operator and it is telling me I do not have a payment due at this time I needed this due to financial hardships. I look at my credit report and it says needs attention why??? I do not owe a payment to navient and if I did I wouldnt let it go into default or become a late payment I needed help and I got approved for a income driven repayment but now its affecting my score and its incorrect
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 satisfied my account with XXXX / Genesis on XX/XX/2022 through their attorney 's office XXXX XXXX XXXX. I have attempted multiple times to get a letter from XXXX / Genesis directly showing my account XXXX a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX - XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Mortgage

I have been in my current home for approximately XXXX  years. Last year ( XXXX ) i refinanced and my loan was transferred to Chase bank in XXXX of XXXX. During the life of my loan, I have never missed a payment. That is why I was extremely surprised to get a call from my bank this month on the XXXX ( XX/XX/XXXX ) alerting me that, not only was I delinquent on my account, but I was delinquent by a month and a half. I immediately logged into my account and saw that on the XXXX, they had invalidated my last two payments. I didn't have enough to pay both payments at the time but I made one ( {$1500.00} ) and said I would call back as I was on a business trip. When I returned, I realized that there had been an error. My XXXX payment hand't gone through ( even though I received a statement and confirmation saying it was ) but my XXXX payment had gone through but was not reflecting on my account. Over the next two weeks I sat on the phone with many agents and once even pulled in the bank of the account I was paying from ( XXXX XXXX ) to confirm that my XXXX payment had, in fact, gone through. I was given all sorts of excuses as to why it wasn't reflected and every time I pulled up documentation to refute a reason, another was presented. To this day, they refuse to apply the payment to my account. So, even though I paid every month on time, this was reflected on my account, and in my statements, I still was charged a late fee and had to pay three mortgage payments in the same month to avoid getting reported to the credit rating agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is Diversified Consultants with XXXX XXXX for XXXX and the XXXX creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under Diversified Consultants for XXXX and XXXX report under Diversified Consultants for XXXX. This account was supposed to had been removed and now keeps appearing.
Product: Credit card or prepaid card

Bank of America scheduled but failed to execute payment to my consumer credit card. Payment was scheduled for the full amount ( only {$20.00} ) multiple times in XXXX and XX/XX/XXXX through the app but failed to process and actually pay off the amount. As a result, the balance remained unpaid, and the account was reported as delinquent to the credit bureaus. 

I only noticed the failure to execute once my credit score was reduced by 100 points. After calling BofA on XX/XX/XXXX, they said it was impossible to fix, and after escalating to the supervisor, they said they were unwilling. We never received a text or email on the payment being late, and the supervisor said I should have seen the message on the app. I had assumed it was a delay on their end and the message was dated. As the husband of an XXXX XXXX XXXX XXXX XXXX, my time was limited and had assumed the issue was already handled when scheduling previously. 

When calling again on XX/XX/XXXX ( when again the web payments failed ), BofA acknowledged their tech issues but did not offer to undo the negative mark on my credit report.
Product: Credit card or prepaid card

After moving from my address in XXXX, NY I was locked out of my online account with USAA and was unable to view anything to include bills, balances or available credit. USAA has reported these accounts late when in all fact I was unable to see the account to determine when the bill was due, I was also unaware that they were n't still taking the balances out of the checking account on file, which was another USAA product. 
USAA reported me 30 and 60 days late on the following accounts XXXX - 30 days late in XX/XX/XXXX - XXXX - 30 and 60 days late XX/XX/XXXX/XX/XX/XXXX XXXX - 30 days late XX/XX/XXXX, the address on file for this account is n't even mine so I have no idea where the actual bill for this account went. 

The issue is ALL my business was with USAA to include checking, savings, car and life insurance and credit cards so when I was unable to access any of the accounts, everything should have been still set up with automatic payments. USAA closed my checking accounts and never notified me by phone or email and all attempts to restore my online access was stretched out and not resolved for over a year. These are inaccurate markings on my account and it appears as if USAA took payments when funds were available but NEVER informed me when funds were not available. I have so much respect for USAA and have tried on many occasions to resolve this as these inaccuracies are negatively impacting my credit. I even sent a goodwill documents asking them to resolve this and have been met with nothing but them stating this is accurate, however what USAA has not acknowledged is that all bills were electronic and when they restricted my access they prevented me having access to those statements. They have incorrect addresses on file and never responded to request to explain where these statements were sent, please help.
Product: Debt collection

This company, Vital Recovery Services/Solutions, has repeatedly called my father-in-law 's home phone number and left unsavory messages on their machine. Finally, on Monday XXXX XXXX, after calling my father-in-law 's number 5 times, he finally answered. The representative for Vital Recovery Services then proceeded to tell my father-in-law about my debt, and that I owe all this money and that I need to pay. When he told them that I do n't live there, the rep for VRS then asked how else to get a hold of me. First complaint : I have settled this debt with the creditor that VRS is harassing me about. Second complaint : Vital Recovery Services has been harrassing my phone as well as my father-in-law 's phone constantly. I have not lived at that address ( my father-in-law 's house ) in 10 years. Why and how does VRS have that number? Third complaint : the representative for VRS willingly and knowingly gave information aboit my debt to a third party that had no business knowing that information. Not only did the rep give out private information about my debt, but it was the wrong information at that!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXXT XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Mortgage

Holder of Mortgage : Loancare , LLC NMLS ID XXXX I have been requesting the ORIGINAL Documents ( Stock and Lease ) for us to schedule a Closing date, as we have a buyer for our apartment. Our initial request date was around XX/XX/2020. 

Since then, we have yet to receive the information. I have been calling on a regular basis and have been given the wrong information. Some of their Representatives dont even know what Im asking for. I was told it was sent out but it never was. 

Below is a small list of your Representativeswho will be included in complaint : They had no idea what I was talking about They lied and said information was sent out They asked how to spell " affidavit '' ( clearly not the smartest ) They said they would call and follow up - never did XXXX XXXX - ID # XXXX XXXX - ID XXXX XXXX  - ID XXXX  XXXX - ID # XXXX XXXX - ID # XXXX Ms XXXX XXXX XXXX XXXX XXXX, Arizona ) Ms XXXX XXXX - ID # XXXX XXXX - ID XXXX Ms XXXX ( Supervisor ) ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX, XXXX, XXXX, XXXX, XXXX Shame on me for not getting their ID numbers but this was in the beginning of me trusting Loancare would supply me with requested documents on a timely manner The latest phone call was with Supervisor XXXX in XXXX ID # XXXX, actually dismissed me and hung up. Stating that they are working on my finding our documents. 
No definite response, no follow up email for me to forward to lawyer. No direct information for their lawyers. 

I dont know where else to turn and would appreciate any help that can be offered
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX XXXX After viewing my Equifax Credit Report I found information that was inaccurate and incorrect. 
Equifax Confirmation # XXXX Here is 5 years later and after viewing my Equifax Credit Report XXXX # XXXX XX/XX/XXXX the same inaccuracies still are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written Instructions.

15 U.S.C 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 would like to request that the following inaccurate items be investigated. These items are not correct and are having a negative effect on my score because of their derogatory information. The Fair Credit Reporting Act gives you 30 days to investigate these items. Please do so, and correct all negative information from my credit file. The items that need to be investigated are as follows : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had a fraudulent inquiry on my Equifax and XXXX XXXX credit Files via XXXX XXXX. I reached out to them ( XXXX XXXX ) immediately and they conducted their investigation and determined that the inquiry was that of identity theft and or fraud. Upon their completed investigation they, XXXX XXXX sent me notice of Inquiry Suppression XXXX / Dated XX/XX/2020 I have since reached out and notified both the Equifax Credit Bureau and XXXX XXXX Credit Bureau attaching the letter from XXXX XXXX together sending US Mail certified return receipt to each of them. To this date XXXX XXXX Credit Bureau removed the Fraudulent Inquiry Immediately per FCRA after five days of receipt. However to this date of filing this dispute with CFPB ( XX/XX/2020 XXXX XXXX  ) I have reached out to Equifax on three separate occasions concerning this theft of identity and they have failed to remove this Inquiry even though being provided this notification from XXXX XXXX. My rights under the FCRA have been violated multiple times by a one Equifax Credit Bureau and as a final attempt to have this inquiry deleted my attorney has recommended/advised me that I file this request first with CFPB before moving forward with a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX, XXXX has sent my account to Penn Credit Corportation in an attempt to collect a dept. The dept was included in my bankruptcy from XX/XX/XXXX. It was not contested by XXXX. 
I had reached out to XXXX directly to inform them of the bankruptcy and provided my bankruptcy attorney 's contact information. 
I had also reached out to Penn Credit Corporation and provided them with my bankruptcy attorney 's contact information as well. 
XX/XX/XXXX, I reached out to Penn Credit Corporation directly and advised them that this is in error. I was told again that they would " investigate '' my bankruptcy claim. 
I disputed this twice with XXXX XXXX and its coming back as a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I messaged Navy federal about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Product: Credit reporting or other personal consumer reports

I went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in Missouri. I live in Georgia. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in Ga for that current year, I sent check stubs for that duration to prove I worked full time in Georgia, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with Equifax today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
Product: Debt collection

I am being told that I owe a debt of slightly over {$200.00} for services not rendered by XXXX XXXX. When I call the owner of the local company ( XXXX ) he was unable to give me any records of me owing debt and did not have the paperwork of me closing the account, as he did not get them from the previous owner. I signed up for a 1 year membership and on the 11th month I notified them I would not be renewing. This was with an old owner that apparently did not keep records. I noticed that I was still being charged in XXXX of 2020, contacted them that this was incorrect and they ( XXXX XXXX ) told me to issue a chargeback through my bank, which I did. There is a new owner of XXXX XXXX and I called him to see why I was in collections, he said it was out of his hands and there was nothing he could do about it? But he also had no paperwork for me at all? So I called the collections company - Feldman and Stern and told them I would not be discussing any debt until I received a Validation Notice which they said they did not need to do and I was hung up on.
Product: Mortgage

PLEASE PUT A COPY OF THIS EMAIL IN  CEO, WELLS FARGO ,  XXXX   XXXX   XXXX   reading  file : Dear   XXXX   XXXX   : Maybe you would like to explain to me why your in " VIOLATION '' of not issuing my " ESCROW CHECK '' for  XXXX  under the provisions of  12 CFR 1024.17 (  b ).   If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.  <P/> I have talk to your mortgage company at least three times on this and they assured me the check was cut on   XXXX   XXXX  , 2 017    and mailed to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX . Well guess what it has never arrived, so therefore I WOULD HIGHLY RECOMMEND   XXXX   XXXX   A STOP PAYMENT ON THE FIRST CHECK ISSUED AND ANOTHER CHECK BE SENT OVERNIGHT MAIL TO THE ADDRESS AS INDICATED.  <P/> Know if I were late on my mortgage payment the shoe be on a different foot, because your staff would call without hestitation, where is the payment, but being it on your side of the house, there will probably be a 1000 excuses as to why it has n't arrived. We do receive mail on a regular basis at my address so let 's rule out the mail excuse.  <P/> This is just another example of  WELLS FARGO  NOT PUTTING THE CUSTOMER FIRST.  <P/> Just for your information a complaint has been filed with the  Consumer Protection Bureau  for not ensuring that my check arrived within 30 days of closing and paying off this mortgage, Being you are the  CEO of Wells Fargo , I want you to DIRECT THE MORTGAGE DIVISION TO TAKE AND PUT THE  XXXX  INTO MY  WELLS FARGO C HECKING ACCT as an exception to policy because we both know " YOU '' can do that if directed   XXXX   XXXX   XXXX . Of couse we also know there is a  1000 excu ses as to why not. Or you can have your local office in  XXXX   XXXX   XXXX  print the check and I will pick it up, of couse I am sure your staff will fine  a 1000  excuses on that request also.  <P/> I had better receive the check by no later than " THURSDAY ''   XX/XX/XXXX   or I will request a Congressional Inquiry as to why your staff ca n't comply with the provisions of  12 CFR 1024.17  ( b ) or whose in box is that check laying in and has not been dispatched yet?  <P/> If your staff calls me they are going to have to leave a message, because where I work I ca n't take a cell phone in the building. Also I am an hour behind Iowa in time, we are o n Mountain Time, vs Central.  I close on the refinance on   X/XX/2017 .   <P/> I look forward to an expeditious reply.  <P/><P/><P/> Very respectfully,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX   XXXX  Cc  : Consumer Protection Bureau