23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I missed a phone call by a week and they garnished my entire paycheck. Wells fargo personal credit line. the XXXX XXXX guy is unwilling to work with me and treats me as if I am ignorant. They will not transfer my account to anyone else and say that he owns my account. He has no empathy. I am a single parent that is a sole provider for my family. I take care of my XXXX mother. I do not get government assistance nor do i get child support even though they owe over thousands of dollars. I am not asking for debt forgiveness, i was paying this based on the agreement. My initial conversation with XXXX was to setup a payment every 2 months and that payment may go up by XXXX dollars each time. I missed the call to setup this month, business of school starting, but I thought I was good - i just paid XXXX last month and XXXX knows my situation as he LIED and stated he knew exactly where I was at in life dealing with this because he experienced the same thing. LIES. That caused XXXX to submit me to charge off department and they removed my entire paycheck of over XXXX dollars. Unethical. My lights are going to be turned off. My phone is too. Not to mention the remaining portion of what I had left to take my kids to get doctor followups and remaining school items are all a scratch. My account is in negative now. Spoke to XXXX and he stated he will not reverse this and proceeded to ask me how I was going to pay the remaining balance of XXXX to which i handed the phone to the banker and had to leave before i broke down. I called the manager he reports to, XXXX XXXX and left messages for a return call. I called her back to back for a hour to no avail and no return call. I was working with you. Now I am not. I am also closing my account with wells fargo after many well vested XXXX years. I can not understand how you are not willing to work with me when i paid for the last 4 months on time. it was up in the air because i took more than a week to return a call on a payment that would have been due in the middle of the month. i have no idea what i am going to do. I am trying to grow., ..get off of government assistance and build credit. at this cost makes me want to go backwards in life. where is the love and where are these credit practices you say you implement on your website?
Product: Checking or savings account

On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance of XXXX. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my {$15000.00} back via a mailed check to my address even though it took a matter of minutes for them to debit my TD banking account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a matter of great concern regarding the persistent inaccuracies on my credit report despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the correction process and ensure the accuracy of my credit history without further delay. 

I have submitted dispute to rectify the inaccuracies on my credit report, but regrettably, these issues persist. This ongoing situation is causing unwarranted stress and adversely impacting my creditworthiness, which is of paramount importance to me. 

I have attached supporting documentation, including previous dispute submissions and any relevant evidence, to facilitate a swift resolution. 

I understand the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports and the obligations of credit bureaus to promptly address disputes. In light of this, I am requesting your immediate intervention to expedite the correction of these inaccuracies. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction and removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure their swift correction on my credit report. 

Timely resolution is crucial as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Credit reporting, credit repair services, 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, 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency removed my mortgage history from my credit report my mortgage company stated they reported my payment history I need Transunion to put my payment history back on my report
Product: Debt collection

In late XXXX, 2020, I paid the remaining balance of the medicredit bill off. They advised it would take 30 days to reflect. I called today and because I noticed it was never updated on XXXX XXXX and a representative advise they have it notated as paid in full and the rest would be handled else where. I would like this to properly reflect on my credit report and show in a paid in full status.
Product: Debt collection

Portfolio Recovery LLC was garnishing my wages through the court. I paid in full, and my wages have been garnished twice now since the payment has been received, even after being informed that payment has been submitted. The company has had 12 business days to procure a release and has failed to do so.
Product: Debt collection

An outstanding bill is showing in my credit report that is with XXXX XXXX but has been sold to Transworld Systems. This debt is well over 7 years old, but Transworld Systems shows it as an active account open in 2020. But that is false, this account should have fallen off after 7 years because it is a very old account and I have since filed and been discharged in bankruptcy in which it should have cleared in the bankruptcy. This old account has been sold to a third party whose try to collect the debt. I have called XXXX XXXX and they have no record of an account in my name and the number I found for Transworld Systems on XXXX is disconnected.
Product: Credit reporting, credit repair services, 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 Reference number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX, Account name : DEPT OF EDUCATIONXXXX, Account number : XXXX, Account name : XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account number:XXXX, Account name : XXXX XXXX, Account numberXXXX, Account name : XXXX XXXX, Account numberXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!
Product: Debt collection

XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report and I was shocked at what I discovered. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to be informed of my rights regarding this alleged debt, including the right to receive verification of the debt within 30 days. I have not received proper validation or verification of this debt, and I request immediate compliance with the validation requirements set forth by federal law. Any failure to provide accurate validation will be considered a continued violation of 15 USC 1692g.

Additionally, I suspect that these debts may be a result of identity theft, as I have no knowledge or record of these accounts. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any fraudulent accounts be removed from my credit report. Therefore, I am formally disputing this debt and requesting that your agency provide the following documentation : A copy of the original signed agreement or contract establishing my responsibility for this debt. Documentation showing all activity on this account, including any payments made.

Identification details used to create or establish this debt to ensure it was not done fraudulently. 
Please cease all collection activities on this account and notify any credit bureaus of my dispute. I expect a written response confirming the resolution of this matter within 30 days, as stipulated by law. Here are the accounts in question : XXXX XXXX & XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Student loan

To Whom It May Concern : My wife has a loan serviced by Navient. It is past due and they sent a generic email, on XX/XX/2020, offering to put the loan in to deferment/forbearance. They requested a simple reply of " yes '' to make this happen. I replied to this email requesting information about loan forgiveness options available to her as she has been a XXXX in a XXXX XXXX XXXX XXXX in the State of Texas for more than 10 years. My understanding is that some or all of her loan balance should be eligible for forgiveness. 

I received the following response on XX/XX/2020 : " Thanks for replying! Unfortunately, we're unable to discuss specific account information via email. We're able to assist you via phone, just call XXXX. '' I responded to this requesting correspondence via email or certified mail only. I want a paper trail to keep a record of correspondence as I have been lied to about payments and options available to her in the past. 

They responded to this request with : " Thanks for replying. Unfortunately, we're unable to process a forbearance until you specifically reply " yes '' to this email. '' They can't discuss payment options and programs that my wife may be eligible for via email or certified mail, but they can put her  loan into forbearance with a simple reply of " yes '' to an email? 

I attached a copy of the email correspondence. Please note that I have permission to represent my wife with Navient and any written or verbal statement by her can be provided to support this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX. XXXX, XXXX  XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX  These are the XXXX hard inquiries on my credit reports. I have tried to reach out to the banks and consumers to verify the Inquiries and they couldn't find any applications or information under my Name, Phone number, or SSN.
Product: Checking or savings account

TD Bank Americas Most Convenient Bank, has been AN INCONVENIENT BANK FOR MY FAMILY. 
On XX/XX/XXXX2020 I have opened a TD Beyond Checking Account for which I have received a promotion offer to earn {$300.00} when set up and receive direct deposits totaling {$2500.00} or more within 60 days of account opening. 
On XXXX XXXX 2020, they have decided to close my account after I have met all the offer criteria, for which the bonus was supposed to be credited to the new personal checking account no later than 140 days from account opening. 
They gave me a XXXX with a reference number XXXX. I have called multiple times, and left messages, but no one had returned my calls. I went to the physically branch at XXXX XXXX XXXX XXXX, XXXX XXXX, and I have been told they could not help since the account was already closed. 
I had {$3900.00} at the time account was closed until right now they will not give me my hard earn money. This is unacceptable, disrespectful and inconvenient. I went through the Holidays being short on my budget and adding to my credit card bill to make end meet. 
I am kindling requesting for TD Bank to release my money to me. 

Multiple complaints : Didn't receive terms that were advertised Funds not received from closed account XX/XX/XXXX20 Open account {$500.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00}
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been with XXXX XXXX for a long time, and I have always appreciated the good value and service I have received from XXXXXXXX XXXX. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of XXXXXXXX XXXX and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Debt collection

I XXXX XXXX recently pulled my credit reports to my shock to find that had not one...but FOUR collections accounts on my otherwise stellar credit reports from United Revenue Corp.These accounts had different account numbers and alleged amounts they say I owed. I have no knowledge of this company and don't recollect ever doing business with them or signing any documents or contracts agreeing to pay them any amount. So then why are they reporting negatively on my bureau reports?I feel these are all clear violations of the FDCPA.And if these are medical bills they are trying to collect and they aren't a medical facility why then would they have access to my information or billing?That is a clear HIPAA violation as well.The accounts in question are: # XXXX  for $XXXX# XXXX for $XXXX# XXXX for $XXXX# XXXX  for $XXXXPlease show proof of ownership and agreement to pay these accounts with original not photocopies of documents.
Product: Mortgage

My home loan is serviced by a company called LoanCare, LLC. My loan closed on XXXX XXXX of 2015. LoanCare claims that it began reporting my home loan to the credit bureaus 60 days after the loan closed. However, to-date, none of my credit reports from XXXX, XXXX, and XXXX reflect my home loan. I have contacted LoanCare twice by phone and three times via email ( at their request ) to resolve this reporting issue. I was contacted around XX/XX/XXXX and told that the issue had been resolved, and that my home loan would begin to appear on my credit reports on XXXX XXXX, and that I would be called and emailed to confirm that the numbers were reporting. It is XXXX XXXX, I have received no call nor email confirmation, and my credit reports are still void of any home loans. This issue has become particularly taxing because it prevented me from obtaining a competitive interest rate on a recent auto loan. In addition to that issue, my parent 's, who were co-signers on my loan, have also not seen this home loan appear on their credit reports. Recently, when trying to purchase a home of their own, they ran into multiple speed bumps in the process because the mortgage company could not account for my home loan on their credit reports. Their mortgage company, XXXX XXXX XXXX XXXX, called LoanCare, LLC to inform them of the problem. LoanCare 's response was that they have been diligently reporting the loan since XX/XX/XXXX. Since LoanCare is clearly not competent nor capable of reporting my loan information so that it appears on my credit reports, I am requesting forcible action from the CFPB so that I may receive the correct credit score that I have earned, refinance my home, and obtain competitive interest rates on other loans.