23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of XX/XX/XXXX, I received a letter stating that the " federal court issued a stay preventing the XXXX from operating the XXXX plan. As a result, XXXX directed MOHELA to put your account into forbearance. While you are in forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in forbearance. '' I have been in the XXXX program since prior to this letter. On XX/XX/XXXX, I received written communication from MOHELA that " interest continues to accrue on your loans during the forbearance period. '' I attempted to call MOHELA to figure out why this is the case, because there is still a court order stating that interest is not to be accrued. I called the number on the letter on XXXX at XXXX ( XXXX ), with the automated service they could not find my account number ( which is written on my letters ) or my social security number, I entered them both multiple times. I eventually was able to reach someone, who asked that I call back and select a different option for " direct loans. '' I called back, again the account and SSN were unable to be found, and the options were now different. I hung up, called back again, now the options enabled me to reach the " direct loans '' line, but I pressed the corresponding number and the line would not even allow me to select any option now. So I hung up again, called back, still my SSN and account number could not be found, now it says the wait time is over XXXX hour, I tried to dial XXXX to connect to someone and it transferred the line to Spanish. I hung up, called again so I could understand what was being spoken, and after an introduction heard only a dial tone. I called back XXXX more times after this, first was able to input my phone number for a call back, but then could not confirm it and was sent back to the initial message. On the final call, I didn't have the option to put my phone number in and hit XXXX, the automated message said I'll receive a call back, goodbye. 
I can not reach anyone, and am getting misinformation from MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to get XXXX XXXX removed. The new law says that if any data is not reported in 6 months it has to be removed. It is still there. Also. It was not my account. I paid it because it was messing up my credit. They cant say I paid it therefore it is mine. Thats what I got from them. Also XXXX XXXX   told me they would have it removed. And have not. I sent the letter to experian and they did not either. They are suppose to report accounts information
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX agents , representatives , & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you
Product: Credit reporting or other personal consumer reports

the following accounts are not mine, my information was exposed during the data breach XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX Installment ( Account # XXXX XXXX XXXX XXXX XXXX Revolving ( Account # XXXX ) I am a victim of identity theft. This account must be deleted immediately. 
XXXX XXXX XXXX Installment ( Account # XXXX ) - XXXX XXXX  XXXX Installment ( Account # XXXX ) XXXX  / XXXX  Revolving ( Account # XXXX ) - Opened : XX/XX/2022 XXXX XXXX XXXX  Revolving ( Account # XXXX ) XXXX XXXX XXXX Collection ( Account # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had over XXXX loans with excellent pay history then COVID happened. All I needed was a little assistance to avoid tearing up my credit while getting back on track. 
Please refer to the previous Complaint numbers : XXXX and XXXX with CFPB to help in the resolution of the issue. As I stated on Complaint # : XXXX, their request for more time to resolve was delay tactic to add a derogatory item on my credit. I received notification to today of XXXX different items marked with a derogatory items of 30 days past due. They added the 30 days past due because requested the additional payment be returned. However, I made the payment before the 30 days and have since requested assistance again without a response. All my other creditors, made arrangement so I would get any past due payments. There arent any of my Affirm with purchase or remaining amounts of {$300.00} or {$440.00} and the derogatory items do not show Loan number. 

On XX/XX/2022 and again on XX/XX/2022, Ive tried to get assistance because of Covid twice with CoVid related issues. There were XXXX different managers that sent the form to me to process for assistance but it was intentionally blocked to complete. 
On XX/XX/2022, I spoke to XXXX XXXX Supervisor over an hour in an attempt to resolve the issue. I am not trying not to make payments but asking for assistance to stay in good standing with Affirm and keep my credit report free of derogatory items. stating she could not see if Affirm reported my accounts to XXXX. She very frustrated when I questioned the ability to see what the previous representative told me. Also, she said Im putting every we both said in the notes. Affirm tells me one thing and tell CFPB something entirely different so I hav3 to record the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record on TRANS UNION which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the US Bankruptcy Court. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. XXXX and LCI Bankruptcy Solutions , both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that XXXX and LCI Bankruptcy Solutions have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to XXXX or LCI Bankruptcy Solutions to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2007 my house was foreclosed on and sold for {$100000.00} on the courthouse steps. An attorney by the name of XXXX XXXX with XXXX XXXX XXXX XXXX representing Countrywide ( mortgage company ) and XXXX XXXX ( XXXX loan ) was in charge of the sale of my home. On XXXX/XXXX/2007 My attorney, XXXX XXXX and I filed for chapter XXXX and received case number XXXX. If I would have been given my automatic stay I would still be living in my home. XXXX XXXX told my attorney, XXXX XXXX, that she did n't care if I filed bankruptcy, she was moving forward with the sale of the home regardless of the bankruptcy filing the previous day.
Product: Checking or savings account

Citibank recognized fraudulent cash withdrawals on my debit card on XX/XX/XXXX and contacted me over the phone. They assured me that the charges would not post, and they issued me a new card. 

When I received the card and was able to check my account, I noticed that the charges did post and Citibank had no record of ever contacting me. 

They also mentioned that someone had attempted to contact them using my identity, but they failed to tell me until I contacted them several days later. 

The fraudulent cash withdrawals were over {$1200.00} USD. I have attached snapshot of transactions with highlighted fraudulent withdrawals. I subsequently spent several hours on the phone to report this ( Case XXXX XXXX XXXX XXXX ).
Product: Credit card or prepaid card

I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX/XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX  XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX  XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX  Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

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

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] 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 : 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: Vehicle loan or lease

First the bank approved the loan. Then they changed their mind after me and the dealer already autographed the bill of sale and I autographed the contract. 

Aside from the securities theft ( the bank still has my original security and collateral agreement ) and credit card fraud ( they ran my credit but didn't provide any value in return ), I want to focus on the Breach of Contract. Because I instructed the bank, 3 times, to perform their fiduciary duties, and they did not perform. 

I'll attach a more detailed description as a PDF because the formatting here gets turned into one huge paragraph. 

Also, I'll attach a copy of all the letters I sent. Please note, for each letter, I sent a copy to two different addresses, because the number I called gave me an address in XXXX, NV. But I also found a different headquarters address in XXXX. Anything you see here was sent to BOTH addresses, regardless of which one 's listed in the letterhead.
Product: Checking or savings account

Hi, I opened my account on XX/XX/2023 at XXXX XXXX XXXX branch with XXXX XXXX, I tried to enroll in online banking a couple of days ago and the application was declined without any information. 
I contact the banker to fix this and I was refered to customer service, which are never available to pick up the phone.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate personal information currently being reported by Equifax. The incorrect information includes names, addresses, and employment details that do not belong to me. These inaccuracies are causing confusion and potential harm to my credit profile. Despite disputing these inaccuracies, Equifax has failed to correct or remove the incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Checking or savings account

USAA Savings Bank closed my account ending in XXXX on XX/XX/XXXX stating that the account had been overdrawn for too long, however the " overdrawn ' was only because the bank did to " lock '' the account. There is currently {$3500.00} in that account and even after over 20 calls over 3 months the bank will not release the funds or remove the fraud alert. They also will not tell me what the cause of the fraud is, I just get the runaround and get shuffled from one department to another spending hours on each call. USAA also can not document any transactions that would substantiate their claim of an " overdraft '' or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a problem with Equifax there's no credit score or credit file for my Equifax account. Since XX/XX/XXXX I've had an unavailable score credit score. I'll let you know when this will get resolved.? According to the Fair credit reporting act I should have a credit score it's been like this since XX/XX/XXXX right now it is XX/XX/XXXX it's been going on for about almost 4 months.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''
Product: Debt collection

Im reaching out to the collection agency that I suppose to owe {$1000.00} to for a XXXX XXXX XXXX from college. However, Im being told to called the office in a week because the attorneys have to review it before giving me my information. 

I dont have weeks to continue waiting. Im in the process of closing a mortgage Loan with XXXX XXXXXXXX XXXX XXXX and the underwriter needs proof of this debt ASAP, but The Law Office of Mary Jane Elliott will not assist me. After  several attempts. 

And it has damaged my credit score/report. Somehow it recently popped up on my report