23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My pay was reduced as a result of the COVID-19 pandemic. On XX/XX/XXXX, I tried calling Wells Fargo to see about a 2-3 month payment deferment ( Moving payments to the end of my loan and extending my maturity date ). I could not reach a person on the phone, so I clicked the " COVID Payment Relief '' option on their website. I messaged their online system that I would like a 2 or 3 month payment deferment. I never received a response and my payments were not pulled via AutoPay, so I assumed they processed my request. I tried calling in XXXX but no response so I clicked the message option again to see if they processed my request and not response. 
I then received a Past Due notice in XXXX. I called and was told to disregard the letter and that they put me in a 6 month " Forbearance Plan ''. I then logged a complaint that I did not want this and asked if I would owe all payments at the end of the Forbearance. I was told no. I told them I've read articles that they have placed people in these plans without their permission and it's not okay. 

In XXXX I received a call from the Executive Complaint teams stating I owe them {$17000.00} in XXXX or they will report me to the Bureaus as delinquent. These are Unfair and Deceptive acts and Practices. They did this without my permission and now state I don't even qualify for a deferment due to my Originator being XXXX XXXX. I asked for a deferment and was placed into a plan designed to make people default instead of assisting them through hard times. They told me there is no record of my Online Messages, where I requested a Deferment. This can not be true. Had they explained this to me before placing me in Forbearance, I would have never accepted it.
Product: Mortgage

I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. 

Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. 

Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

SELF /XXXX  XXXXXXXX XXXX - opened XX/XX/XXXX SELF /XXXX XXXX XXXX - opened XX/XX/XXXX SELF FINANCIAL/LEAD BANK - opened XX/XX/XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX AND XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - XXXX {$4800.00} Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt.
Product: Student loan

One of my lenders, Navient, offers an additional Interest Rate Reduction Benefit on their loans that they claim I 'm not qualified for. They claim there are XXXX requirements to qualify for this particular interest rate reduction benefit : 1. Make 48 on-time payments. 
2. Create an online account before a grace period ends. 
3. Be set up for e-mail correspondence. 
When I initially called their customer service line to ask about this interest rate reduction benefit, I was told I was n't eligible for it because I was not set up for e-mail correspondence. The representative I spoke with agreed to follow up with me after doing some more research. 
I received a letter date XX/XX/XXXX that now says I am ineligible for this interest rate reduction benefit because Navient 's records indicate my payment for XX/XX/XXXX was not on time and I was disqualified, which is strange, since my payments did n't start until XX/XX/XXXX. I 've attached the export from Navient 's website of the disbursement and payment history over the life of my loan, as well as a photo of the letter Navient sent. 
Ultimately, I would like this interest rate reduction benefit applied and backdated to the life of the loan, as well as all my payments.
Product: Bank account or service

My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.
Product: Credit reporting or other personal consumer reports

A dispute letter was XX/XX/year> Experian is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the Person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$680.00}. I am formally submitting this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires on my credit report that I do not recognize. I did not authorize these inquires. XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account # has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

I dispute the following Hard Inquiry in my credit report under the Fair credit reporting Act ( FCRA ) section 611 ( 18 U.S.C.1028i ), unverified inquiries must be Remove.Please investigate and Remove any unverifiable inquiry. 
XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX ( MISCELLANEOUS ) INQUIRY date XX/XX/XXXX XXXX ( Finance ) Inquiry date XX/XX/XXXX XXXX XXXX  ( Bank ) Inquiry XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX ( bank ) Inquiry Date XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX  ( Finance ) Inquiry Date XX/XX/XXXX XXXX  XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX
Product: Credit card

I was logged in to my American Express account and was offered a second american express card, with a XXXX point bonus. 
I followed the application and received the card. 
When I did not receive my bonus I contacted AMEX who said that I forfeited the bonus during the sign up process. 
I met all other conditions of the offer. 
As I already have an existing account w AMEX they have all my info and have no reason to show me this offer if I wasnt eligible.

I already have an AMEX card I use heavily so my primary motivation for opening a 2nd card was only the promotion.

I requested w AMEX to file an internal complaint, they declined.

I requested to see the screen they claimed I was shown informing me the promo offer was revoked they did not share it.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX and XXXX is unlawfully reporting XXXX   XXXX/XXXX//XXXX  tradelines account no.XXXX  after the sol expired on XX/XX/XXXX. 1st delinquency was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX XXXX  for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent XXXX Experian, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. This is my only name and my only address
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries. PLEASE DELETE. 
XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have filed several complaints with Equifax, FTC and CFPB. These should NOT be on my credit report. DELETE all three inquiries, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yeah, so starting in XX/XX/ Toyota financial I had asked for an extension XXXX  of them so we did the extension but they also reported my payments late and because they reported my payments late I've been behind I received the letter later saying that it was their fault. So I was wondering if I can get those late payments remove. I was doing good because with Toyota I got approved XXXX cars last year and because of those extensions they reported late and for extensions you don't report late payments because I was told that so from XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Late payment of XXXX and XXXX because I have XXXX vehicles with them.
Product: Vehicle loan or lease

Agents are making collection call at XXXX XXXX  est and sending text with out my consent
Product: Credit card or prepaid card

This complaint is in follow-up to XXXX. Their reply does not address the full substance of my complaint, specifically the {$35.00} NSF fee I have been assessed due to their decision to decline a valid recurring bill payment transaction. I have attempted to call XXXX XXXX twice at the number provided in the answer without response. I have also e-mailed that person at the address provided. None of my communications have received a response, so I open this new case, to again ask that the substance of my complaint be addressed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately. The account is negligently and inaccurately reporting failing to comply to 15 USC 1681 for Misleading False Reporting. 

XXXX XXXX XXXX Account Number : XXXXxxxx Account Type - Detail : Child support Date Opened : XXXX/XXXX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX
Product: Debt collection

Exeter Finance claims I owe {$18000.00}. I dont owe any of it. XX/XX/year>
Product: Checking or savings account

On XX/XX/2020 US Bank took {$4300.00} from my checking account # XXXX stating there was suspicious activity because of a bank transfer my daughter sent me of {$5000.00}. 

It has been XXXX  year and XXXX  months the fraud investigation has been done for a year and me nor my daughter have not received any funds back from US Bank. 

I have spoken to XXXX XXXX XXXX the branch manager from the XXXX Ca branch. She informed me that US bank has tried to return the funds back to my daughters account which was false US Bank never tried to return the funds. 

My daughter was then told by US bank to file a claim with Bank XXXX XXXX to retract funds so she filed a claim and XXXX  XXXX XXXX told my daughter that they have no record of US banks request to return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of the investigation by the consumer protection bureau referencing this number XXXX simultaneously at Navy Federal credit Union For accounts that have been paid as agreed disappeared from the report I might investigation prove that they disappear from the system at XXXX XXXX , I brought XXXX XXXX attention . To the missing accounts. To my surprise they where no answer. Of so I should then a picture of what the reported to the bureaus In the past 22 accounts minus chicken in savings Now they are only reporting 18. So I called before the XX/XX/2022 and the total accounts was 18. When I called on the XXXX/XXXX/2022 it was 19 accounts. So its obvious That someone is trying to fix the situation by putting the accounts back. But if XXXX XXXX  has been hacked. They need to say that. And get better cyber security. Now in between XXXX XXXX And XXXX XXXX XXXX XXXX sent two false derogatory remarks on my couldnt report. ( I have zero negative accounts in the federal ) when I say all my accounts are +100 % of my accounts are positive. I called XXXX XXXX  to ask XXXX XXXX to ask about the negative remarks they sent to the credit bureaus. This is the second Falls information you have reported against me in less than 30 days. The say to ask XXXX. So now I know all of my bank information is compromised from within the bank And they are not willing to do an investigation inside of their back office. So I know theyve done this to other people before Can CFPB love look into this 1 information and accounts missing at the time of a CFPB investigation. 2 how is it possible for Fake derogatory remarks to be sent to the bureaus and the consumer not to have a right to ask what are the remarks from the source. I sent the proof of the remarks to XXXX XXXX  in an attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.