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

This complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 that you, XXXX, Experian, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent false and inaccurate information consists of a car loan opened with XXXX XXXX XXXX XXXXXX/XX/XXXX for {$16000.00}, a credit card opened with XXXX XXXX on XX/XX/XXXX, an account with XXXX opened on XX/XX/XXXX, and XXXX  opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report including the following inquiries : XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, and XXXX XXXX made on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. These accounts were not opened made or initiated by me. all of these accounts are the result of identity theft and fraud. i have attached a copy off my ftc identity theft criminal complaint # as proof from the us federal trade commission that all of these accounts collections and hard inquiries are the result of identity theft and fraud. My FTC identity theft report # is # XXXX
Product: Mortgage

Father died and have been appointed as estate representative but can do nothing to stop foreclosure or modify the loan. He didn't pay for 8 months and left me as inherent of house. I have deed but still can't work anything to right the missing payments with Freedom Mortgage.
Product: Student loan

Back in XX/XX/year>, I spoke with a rep from XXXX. I was told that they will no longer service my private as of XXXX and Moehla will service it. The rep informed me that I have XXXX loans that the lower payment will be expiring and she suggested before the switch I renew the lower payment option. I did and was under the impression that I will have those payment taken out automatically from my bank account as the other are also done that way. As of today, I am being informed that those three loans are delinquent and there is no payment arrangement for those, this comes as a surprise to me because I trusted that the rep helped me with those three. I cant afford for any of the loans to be paid at a high interest nor high pay. I will never pay these loans off and it seems that my principle is only going higher. These loans were originally XXXX XXXX. The interest is atrocious, to say the least. How can I live with this over my head. They only give me lower interest and lower payment for a limited time. How does that help me? Much less lower what is owed. On the contrary, I owe more than what I initially borrowed more than 18 years ago. Please help me find a viable solution to this problem
Product: Student loan

FedLoan is failing to follow the FCRA section 623 ( a ) ( 2 ) ( a ) and 623 ( a ) ( 2 ) ( b ) in reporting the status of my student loan to the credit bureaus. I have disputed this with all credit bureaus numerous times, as well as FedLoan, the Ombudsman 's Office and the XXXX XXXX XXXX XXXX XXXX and have gotten nowhere. They have all closed my disputes and failed to comply. 

My FedLoan account was granted a General Forbearance for the following time periods : XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX/XXXX/XXXX However during these periods of time, my account has multiple late payments reported on my credit reports. These range from 30-day lates to 120-day lates. FedLoan is claiming that since some of the forbearance statuses were granted retroactively to cover time periods that were 'Past Due ', that this exempts them from updating my credit file with the forbearance information and in turn " exempts them '' from removing the late payments on my credit report in exchange for the updated forbearance status '. 

However, the FCRA explicitly states any furnisher must take all steps necessary to ensure accurate reporting, and according to section 623 ( a ) ( 2 ) ( a ) ( b ), furnishers must also " correct and update '' information that has previously been reported but has since changed. In this instance, my FedLoan account that was granted forbearance statuses must also be updated to reflect this change. 

FedLoan is citing FCRA 623 as its excuse for not updating the information. However, they are also in direct violation of it. There is no clause in the FCRA that excludes Forbearance statuses from the 623 ( a ) ( 2 ) ( b ) rule. It, like any other piece of information that changes, must be corrected, updated and reflected on credit reports as per the FCRA 's explicit writing. 

Please assist as every one of my disputes has been denied or ignored. My only next step is to sue for damages and corrections to my credit report, which I 'd rather avoid. 

Thank you.
Product: Credit card or prepaid card

I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Wells Fargo Mortgage accepted my application XXXX XXXX and provided me with 3 pre-approval letters. My issue is the untimely response to my completions of application of my loan after the offer was accepted and contracts were submitted to WFM. Because of their untimely review and decision which took place 24hrs before my closing date, it caused me and my family to be homeless. WFM had all of my financial information over 60 days with constant submissions of updated documents prior to them receiving the contract, setting and confirming closing date. No information was provide to the reason of them cancelling my loan 24hours before closing, nor did they provide with what I qualified for other than the pre-approval letters which I received. WF also sent correspondence to the property that they pulled the loan from, why? No valid answers to their process was provided. My information was in their possession for more that enough time for thorough review and decision prior to closing. My closing was scheduled for XX/XX/XXXX at XXXX and I received a phone call on XX/XX/XXXX at XXXX EST with the conversation starting with " Ms. XXXX XXXX am sorry to tell you this ... '' I sent am email around XXXX EST the morning of XX/XX/XXXX requesting closing instructions. I never received a response other than that phone call at the end of the business day. 

A simple apology does not correct the problem nor does it provide me with a home to live now that their negligence has caused me and my children to be homeless. They confirmed closing date, I ended my rental agreement with a schedule move out of XX/XX/XXXX. A apology does not cover the cost of monies lost due the contract termination date. Had WF done their due diligence in a timely manner, I would have been eligible for a refund. Due to WF not responding, lack of communication and sense of urgency to the deadlines set forth in the contracts that are required, I was not eligible for a refund of $ XXXX for offer placement, {$650.00} for appraisal and {$870.00} for inspection.
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. 
Account name : XXXX XXXX XXXX  Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 p
erson 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: Debt collection

I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. LVNV IS NOT LETTING ME EXERCISE MY FEDERALLY PROTECTED RIGHTS UNDER THE FDCPA. 
I HAVE REACHED OUT TO LVNV AND THEY KEEP RESPONDING TO CFPB SAYING A LITIGATION IS PENDING OR PRIOR ON THIS CONCERN WHICH IS INACCURATE NO LAWSUIT IS IN PLACE AS OF FEBURARY XXXX. I SPOKE WITH XXXX XXXX ON XX/XX/XXXX THAT WORKS WITH THE ATTORNEY XXXX XXXX THAT TOLD ME THE SUMMONS THAT WAS FILED XXXX XXXX IT WASNT SUCCESSFULLY SERVED AND HAS EXPIRED AND SHE TRIED TO GET ME TO PAY IN FULL OR SAID I COULD SET UP A PAYMENT ARRANGEMENT WHICH IS STILL ATTEMPT TO COLLECT ON A DISPUTED DEBT PURSUANT TO 15 USC1692G ( B ) ALL COLLECTIONS SHALL CEASE DURING DISPUTE. XXXX ALSO STATED MY LETTERS ARE ON FILE AND THEY HAVENT DECIDED IF THEY WILL RESPOND TO THE VALIDATION OD DEBT WHICH IS OVER A MONTH PASS THE DUE DATE. THE CIVIL CLERK AT XXXX DISTRICT ALSO TOLD ME THE SUMMONS WAS NEVER SERVED. LVNV IS WILLFULLY AND NEGILENT NONCOMPLIANCE WITH FEDERAL LAW. I WAS NEVER SERVED NOR HAVE I RECEIVED ANY NOTICE SHOWING SOMEONE TRIED TO SERVE ME. I SENT LVNV A VALIDATION LETTER THAT WAS RECIEVED XX/XX/XXXX BY XXXX XXXX, DUE TO XXXX EMAILS I RECEIVED ON BEHALF OF LVNV USING OBSCENE AND PROPANE LANGUAGE AND THRETHENING ME TO TAKE LEGAL ACTION THAT CANT BE TOOKING. I HAVE SENT MULTIPLE LETTERS AND THEY FAILED TO RESPOND AND CHOSE TO USE THIS STALL TACTIC. PURSUANT TO 15 USC 1692i ( b ) NOTHING IN THIS SUBCHAPTER SHALL BE CONSTRUED TO AUTHORIZE THE BRINGING OF LEGAL ACTION BY DEBT COLLECTOR. NOR DID I SIGN A CONTRACT TO AGREE TO A SUE.

LVNV HAS NOT HAD MY PRIOR CONSENT TO CONTACT ME PURSUANT TO 15 USC 1692c ( a )
Product: Checking or savings account

I filed a devious complaint back on XX/XX/XXXX and Im still awaiting on a response. Not to mention Ive had two transactions that was taken out of my account and reversed due to this bank. One reversed charge in XX/XX/XXXX and the other for this month. For the transaction for XXXX I received an email and text message asking for me to confirm that it was my transaction by the XXXX XXXX  the next day however this bank paid the transaction then reversed it 2 days later. Well if you were waited on my response how did you pay the check? Fast forward to less than a week later after the above issue. I arrive to their ATM in the XXXX, GA location to make a withdrawal from my other bank account to have the transaction processed but not receive the funds. The issue with this is this is the 3rd time Ive had issues with one of their atms causing an inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and fraudulently used without my knowledge or authorization to open accounts. The following accounts where not opened by me. These accounts are a result of my identity being stolen. 
XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$1000.00} XXXX  XXXX  Date Opened XX/XX/XXXX Bal {$0.00}.
Product: Credit reporting or other personal consumer reports

I was made aware of a huge decrease in my XXXX XXXX in XX/XX/XXXX, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on XXXX. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to XXXX on the dispute I filed and told me to wait up to XXXX months for them to update the information. I also called XXXX for information and they told me I had XXXX accounts with late payments and every account was satisfactory. Experian is also reporting that I have XXXX account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called XXXX and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and Experian and XXXX both show XXXX account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. I paid for an account with XXXX and requested my credit reports from all three bureaus, which has shown that Experian and XXXX are reporting a negative account, which is XXXX XXXX, but again when you look into this account it states account paid satisfactorily and never a late payment. I even called XXXX XXXX for this account and was told there was never a late or missed payment and they have no idea where this information came from. This account was closed in XX/XX/XXXX. This is severely hurting my XXXX XXXX and hurting me financially, and no one seems to know where this inaccurate information is coming from. The credit bureaus keep telling me there is nothing they can do and I have to call XXXX for them to fix it. When I call XXXX they tell me there is nothing they can do, they get their information from the credit bureaus and I need to call them to fix it. I was also told by Experian to call a XXXX XXXX, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Product: Mortgage

In XX/XX/XXXX, I was approved for construction loan in the amount of {$420000.00} with Associated Bank. I did not use {$130.00}, XXXX. I was informed that whatever funds I do not use, the principal will be reduced by that amount. It is supported by Assc. Bank policy. 
XX/XX/XXXX, my mortgage principle was not reduced. I have been paying interest to date. Worst, XX/XX/XXXX {$130000.00} was paid out without my Authorization. Associated Bank refuses to discuss this matter with me and continues to charge me fees and cause financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one. 

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only one that has the XXXX XXXX late payments, XXXX and Experian never got the late payments, so my credit is XXXX and XXXX. Experian has a credit score of XXXX. I have no idea why the big difference in credit score! The whole thing doesnt make sense. I just want this taken off of my credit. Suspicious that they reported this to me right away. Just like the fake student loans, Experian keeps it on my report and they are from XXXX I have been XXXX since XXXX. Put on {$0.00} payments due to income! They keep adding money and late payments. Late on {$0.00} payment. Experian refuses to look at it. {$0.00} payments were made.
Product: Debt collection

This debt is past the statue of limitations as the first date of delinquency was on XXXX XXXX of 2009. I have contacted the original Furnisher of this information to verify the information that the debt collection company ( Northwest Collectors ) is reporting but after further review the original Furnisher ( XXXX XXXX XXXX XXXX ) can not verify this information or is inaccurate. As a result this collection should be immediately deleted from my credit file.
Product: Credit card or prepaid card

Citibank sent me a debt card/MasterCard that I never applied for a long with emails telling me to deposit funds. When I called they gave me the runaround of three different numbers for the fraud department. Finally getting someone in the right department, they wouldn't tell me if the account had more than one email attached to it or if another card had been sent to another address. They started a fraud claim and I received a letter saying that no transactions had occurred on the account and somehow missed the point that this was an unsolicited account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account 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
Product: Debt collection

I have always had insurance I have already submitted one complaint and they can not locate account. Its on my credit I have no knowledge of this nor was I notified of this u til I checked my credit. Refuses to verify account .its been over 3 months Ive been writing them they want me to supply info to them to verify when thats literally their job.
Product: Credit reporting or other personal consumer reports

I sent requests to XXXX, XXXX and TransUnion in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraudulent accounts were opened to my credit. I have tried many attempts resolving this matter with the credit bureaus and they refuse to resolve this and violating credit laws. Please have them resolve this matter by removing these accounts listed below from my credit report immediately : 1 ) XXXX  XXXX Account number : XXXX Opened date : XX/XX/2023 Limit : {$500.00} Balance : {$0.00}
Product: Debt collection

Credit Control LLC called to collect debt on a XXXX XXXX. The initial balance was XXXX but they were unable to reach me and had all wrong information on file. I called them at XXXX to settle at that amount and they are requiring me to pay XXXX. I refused as I never got any correspondence till recently regarding this. They updated my address and communications and filed a dispute with XXXX XXXX. I would like to escalate this as it is affecting my Credit.
Product: Credit reporting or other personal consumer reports

I dont recognize how these accounts are reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
This does not follow FCRA under 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) ,15 U.S.C.1681,15 U.S.C 1681A, 15 U.S.C 1681b, 15 U.S.C.1681i, 15 U.S.C. 1681n. 

1.Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection 2.XXXX XXXX Account number XXXX Account type Debt Buyer This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
3.XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
4.XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 U.S.C.1681 my rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.