23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm filed 2 " zero pay '' claims which are inaccurate in both instances we called to ask questions about filing a claim and decided not to yet they reported them. They never told us they would be doing this and when we asked did not know that it did report so now I am losing insurance coverage because i have 3 "  claims '' in the past 2 years although in reality there was only one actual claim filed. 


XX/XX/XXXX we were abruptly informed that State Farm would no longer provide coverage as we had 3 claims on our property. This was surprising to us as we only had one claim that we were aware of XX/XX/XXXX. 

The other 2 claims that we were made aware of are as below : XX/XX/XXXX we had mold due to water damage in a ur home. We had called State Farm to understand if our policy would cover damages at which point in time they had informed us that mold is not covered under our policy. No claim was filed as there was nothing that could be done. 

XX/XX/XXXX we had experienced theft while travelling. XX/XX/XXXX we called State Farm to inquire what options we had within our policy to potentially file a claim. We were informed of the deductibles and coverage options and decided against filing a claim. 

Both claims had been calls to our local State Farm representatives to understand our policy options to make an educated decision on whether filing a claim was even an option. 
Both cases we were re-directed to claims department which we now understand that in talking to a claims representative means that they open a claim without our knowledge or consent. Our local representative ( XXXX XXXX ) and his team were not aware of this being a State Farm protocol and had advocated on our behalf to have the claims removed as they were the ones to re-direct our calls to the claims department for more information without our knowledge of them opening claims. 
Both claims were zero pay '' claims as they were intended to be informational calls and NOT claims. 
Had our local branch informed us that talking to a claims representative to understand our policy meant a claim would be opened without our request or consent as standard protocol we would have never made the call. We were under the impression representatives were there to help the client ( us ) rather than working against us.
Product: Mortgage

XXXX XXXX, of XXXX XXXX XXXX, XXXX, Indiana XXXX was charged an additional year 's mortgage payments for his home. The home was purchased in XXXX with a XXXX mortgage and should have been paid in full in XXXX. This did not happened, he was charged for an additional XXXX for this error that was made. In XXXX XXXX he owed XXXX, a check was sent for XXXX which is the regular scheduled payment. They refused to apply the check to the final mortgage payment and stataed the money was applied to interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX, XXXX, CO. back in XX/XX/XXXX ( XX/XX/XXXX ). I traded in a vehicle fro the new purchase that was financed through ALLY Financial. My approval for the new purchase was Ally as well. End of XX/XX/XXXX I attempted to make my new and first vehicle payment with Ally and I was told no record of my new vehicle was in their system. I was told I needed to make my old vehicle payment ( trade-in ) now that it was late. I explained to Ally that the vehicle was traded-in and that they needed to contact XXXX XXXX XXXX. The new year XX/XX/XXXX came in and I still was unable to make a payment. I contacted and visited the dealership in person and was told I am unable to get financing for my new purchase. I explained to them, of course I can't, because you ( XXXX XXXX XXXX ) never submitted my payoff for the trade-in and now no one will finance me for active late payments. I entered a Civil litigation, submitted a complaint with the Auto Industry Division ( DOR ). I was granted in favor for the litigation. I myself, my attorney, and XXXX XXXX XXXX submitted disputes to Ally Financial as well as all three credit bureaus explaining the circumstances. No to fast forward, I obtained my original car back that was traded in and paid it off. Ally is still reporting the late payments due to this incident on all three credit bureaus.
Product: Debt collection

I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 card or prepaid card

Wells Fargo violted CARES Act by reporting late payment despite me setting up a payment plan while current. I contacted Wells Fargo to discuss payment options as I was needing Covid assistance. Wells Fargo customer service set me up on a payment plan. The account. Was current at the start of the payment plan. According to the CARES Act, if a consumer notifes the lender while still current and makes arrangements, subsequent payments can't be marked as late. This is strictly required as part of the CARES Act. Additionally, not pandemic or natural disaster notation was reported. This failure to follow CARES Act procedures, or add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit. Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/2020and continuing. Major Disaster Declaration declared onXX/XX/. Washington COVID-19 ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX ) made payments to our home equity line of credit with XXXX XXXX XXXX ( A/C # XXXX ). Our payments were made according to the terms of the loan and in excess of the amount due each month. In XX/XX/XXXX and XX/XX/XXXX,  payments were made, and subsequently returned to us because, according to XXXX XXXX XXXX, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of HELOC in terms of paying more than scheduled amount by XXXX XXXX XXXXXXXX. Therefore, the only two months where payment failed to post to this account were due to payments returned by XXXX XXXX XXXX. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the XXXX XXXX XXXX system. Please see transaction dates between XX/XX/XXXX and XX/XX/XXXX vs XX/XX/XXXX and XX/XX/XXXX. As you can see from the XXXX XXXX XXXX print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XX/XX/XXXX to XX/XX/XXXX.
Product: Student loan

Hello and thank you. 
I made extra payments on my student loans for 2019. I called numerous times to have the excess payments applied to principle. I received my annual 1098-E to submit with my taxes and was told I paid {$12000.00} in interest last year. I emailed them more than once to correct the errors. I've called almost daily during my lunch breaks and have held for over 45 minutes without anybody ever picking up. Can you help me?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XXXX, and the credit bureaus are taking too long to respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX I have presented the information that is inaccurate and hindering me from furthering my future with my credit. I have sent in the letters for this subject. Which came back accurately which is not correct. This account is not 100 percent in accurate. I will like these late payment removed 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 or other personal consumer reports

Hard Inquiries need to be removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX was contacted by email that I had an outstanding account with XXXX XXXX, I have not had a XXXX XXXX account since one was closed in the XXXX. 

XX/XX/XXXX received mail with the details stating an account with XXXX XXXX was opened in XX/XX/XXXX XX/XX/XXXX spoke with XXXX XXXX and they do not have a record of the debt. Attempt to collect a fraudulent debt was from XXXX XXXX XXXX Address on mail was XXXX XXXX XXXX XXXX MI XXXX Email originated from a company claiming to be TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this letter in the mail today. The same letter they my keep sending me. Its dated for XX/XX/XXXX. After the certified mail I sent to Lexis Nexis, that was received on XX/XX/XXXX. They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XX/XX/14 in order to have my complaint closed. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Product: Credit reporting or other personal consumer reports

l am a victim of XXXX  XXXX  of XXXX bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself. 

COMPANY : XXXX  XXXX  I Balance : {$940.00} SSN : XXXX XXXX : XX/XX/year> Name : XXXX XXXX COMPANY : XXXX Credit Manag Balance : {$10000.00} SSN : XXXX XXXX : XX/XX/year> Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a call from someone purporting to be a WELLS FARGO employee following up on suspicious activity on one of my accounts. I allowed the person to have access to my XXXX. Without my contemporaneous knowledge they transferred {$9500.00} as cash advance from my credit card to my checking account and completed a wire transfer in the amount of $ XXXX before my son convinced me the call was fraudulent and I hung up. WF denied my claim and initially and following a complaint by me. I have received letters informing me of this but not the documentation of the basis for the denial requested by me.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confide

ntiality under 15 USC 1681. LVNV FUNDING LLC 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 or other personal consumer reports

I informed Equifax, XXXX, and XXXX that the information reported on my credit report was inaccurate and needed to be removed. The accounts in question were either not mine or had been paid off with the original creditors. I provided certified mail and supporting proof to all three credit bureaus. However, I have not received any correspondence from Equifax, XXXX, or XXXX regarding this matter. 

They have falsely reported inaccurate information and refused to remove it. This has caused me significant financial hardship, as I am unable to secure lending or housing due to their failure to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX  that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to TransUnion. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by TransUnion that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest a charge of {$1900.00}, along with associated late and financing fees, made to my credit card between XX/XX/XXXX and XX/XX/2023. These charges stem from unauthorized use after my belongings were stolen during a robbery in XXXX XXXX, resulting in XXXX  and the misuse of my digital financial accounts via facial recognition and XXXX XXXX. Upon my return to XXXX XXXX, I took immediate steps to secure my accounts and replace my stolen items, including extensive coordination with XXXX and my banks. 

I request the reversal of all erroneous charges and fees, the correction of my credit reports, and the provision of an updated statement. Enclosed are supporting documents from various banks and credit companies, which have recognized the theft and refunded the fraudulent charges. I urge Discover to resolve these discrepancies as my financial and health situation continues to suffer. I have informed the Consumer Financial Protection Bureau of this matter and look forward to your prompt resolution.
Product: Student loan

Consumer Finance : Please take action against Mohela. 

1. They do not respond to emails for weeks.

2. In order to get a hold of anyone on the phone, student loan borrowers have to listen to approximately 10 minutes of monologue recording that often has nothing to do with the reason for calling.

3. They have repeatedly put my accounts in forbearance, despite my telling them repeatedly not to make changes to my accounts without my consent. They told me on the phone that the administrative forbearance does not stop interest accumulation and they may not be able to have lifted the forbearance until after the end of the month. Thus, significant interest will accrue and I will miss out on a qualifying payment towards loan forgiveness ( they say that if I make a payment while Im in forbearance, it would be applied to the next month, and they would refuse to make it qualify for PSLF.

4. Their representative admitted to me on the phone that there are large numbers of student loan forgiveness pursuers who have also called and asked they not force forbearances. They say because of that, there is a backlog, so they may not be able to get to my forbearance lift quickly. Hence, if they didn't force accounts into forbearance, they wouldn't have these issues. Mohela really needs to be more fully scrutinized, regulated, and monitored by overhead financial institutions that take consumer protection seriously.