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

I am writing to formally dispute the default status of my XXXX  loan serviced by XXXX, which was transferred to collections. During the COVID-19 pandemic, all my XXXX  loans were placed on temporary pause, as per federal guidelines. Once repayment resumed, I began making on-time payments to all my XXXX  loan providers, including XXXX and XXXX. 

However, upon reviewing my credit report, I discovered that my XXXX  account was marked as defaulted, with XXXX missed months of payments reported. The account was subsequently closed and transferred to collections for {$1300.00}. I was never notified of this default, nor did I receive any written notice regarding the resumption of payments. As a result, I was unaware of the issue.
Product: Vehicle loan or lease

Good afternoon, I had a loan will Wells fargo for my car. I was notified my account was elligible for a class action payout due to added fees being added to auto loan accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time these emails came but am unable to get contact with anyone on status of my account or even show that i had a loan with them and what to do. I also had a checking account with them that qualified for a class action and they are claiming they cant find my information any where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my Identity thief report an my police report I have notified Experian of the inaccurate information still being reported on my file as of today XXXX XXXX Experian report number XXXX The Name XXXX XXXX XXXX appeared on my report I contact the mixed file department, the fraud department I have been transferred to three different reps whom English is not good. I want this removed from my report also the paid in full account in which I have informed them was not opened by me From XXXX  showing up on my report. I submitted the this account on my identity thief report They send me information stating they have investigated this matter an still have not updated my file. 

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Product: Debt collection

I called and went XXXX XXXX XXXX XXXX in XXXX  Louisiana they stated there's no record to be found under my personal information I described to them the letter that was received by the company and they stated that they're not affiliated with this company and they don't know who this company is
Product: Debt collection

I called XXXX XXXX XXXX XXXX Fraud department and was on hold for 3 hours, and they never answered. I ended up speaking to a general customer service rep, who told me that Fraud dept would call me back same day. It's now 3 days later and I've heard nothing and once again can not get through to the Fraud department. 
I went into the store as well and all they did was give me the same fraud phone number that I had been on hold for 3 hours with. 
I have filed a police report, but can not get XXXX XXXX XXXX XXXX to help me resolve this. The criminal apparently bought opened a account in my name as well as other things that keep popping upon my XXXX  report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a credit card with Synchrony Bank / Care Credit. I am unable to make payments currently due to being unemployed. I just moved to XXXX housing two weeks ago. I usually work a small limited part-time job in addition to collecting Social Security XXXX. I currently have no money for food or for the co payment on my prescription medication. I am utilizing a food pantry. I am just beginning to look for a small part time job that I am able to do with my XXXX in the new area that I now live. I have no money, because I used my Social Security to pay for moving expenses, rent, security deposit, etc. I can not make the payment of the amount that is due on my account right now. Synchrony Bank has been calling me four times per day and just sent me a certified letter that is still at the post office, and I have yet to read. I have talked to their representatives many times to explain the situation. I only get Soc Sec payment once per month, so I have no money until my next payment. I will not be able to pay the full amount due until I have a job. I am afraid that Synchrony is going to threaten to take me to court, yet I have no money and no way to pay right now. Please help with this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Product: Mortgage

Loan originator XXXX XXXX XXXX # XXXX had a deceptive advertisement on page 17 of the XXXX XXXX on XX/XX/18 and possibly other dates. According to the NMLS consumer access page, XXXX XXXX has an NMLS number attached to " Wall Street Mortgage Bankers, Ltd ''. This company is not mentioned anywhere in the advertisement. According to the NMLS consumer access page, Wall Street Mortgage Bankers Ltd. has no DBA 's associated with it. In the advertisement, XXXX XXXX was advertising rates which are no longer available at the quoted APR. The quoted rates have not been available at the quoted APR for some time now. The ad quoted a Fannie Mae 15 year fixed at 3.25 % rate and 3.637 % APR at a time when the industry average 15 year fixed is circa 4 % rate at par. The ad quoted a Fannie Mae 30 year fixed at 3.75 % rate and 3.969 % APR at a time when the average 30 year fixed rate is 4.5 % at par. The example scenario for these rates did not include a loan amount and only stipulated " Min 20 % down ''. Directly underneath said rates was text stating " CONDOS, CO-OPS ... .ALL GOOD! ". This is misleading again because Fannie Mae has rate add-ons for condo and coop loans at loan to values higher than 70 %, so even if the rate quoted were available ( which they are not ) those rates and APR 's would not have been available on a condo or coop at the cited 80 % financing. The deceptive and misleading advertising from XXXX XXXX should cease immediately. The public deserves accurate information about current mortgage rates
Product: Debt collection

Theyre trying to charge me monthly fees and take money out of my bank account but I am unemployed and dont have it in my bank account and cant pay them monthly fees with no end in sight.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is XXXX XXXX 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer XXXX XXXX XXXX XXXX XXXX XXXX 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Debt collection

I would like to submit a complaint against ( Diversified Consultants ) regarding unknown cable account ( s ) XXXX for {$260.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Diversified Consultants ) provided me with any type of notice regarding the account ( s ). ( Diversified Consultants ) never mailed me any letters or communicated with me in any manner  regarding this alleged account ( s ). I mailed ( Diversified Consultants ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Diversified Consultants ) are reporting on my credit report ( s ). ( Diversified Consultants ) has not responded to my letter requesting debt validation with proper debt validation per the FCRA and FDCPA but continue to report the unvalidated/unverified account ( s ) to my credit reports. Therefore, I contacted the original creditor ( s ) XXXX XXXX XXXX listed on my credit report ( s ) that ( Diversified Consultants ) claimed to be collecting for. XXXX XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) for  {$260.00} with their company ( XXXX XXXX XXXX XXXX and nor did they ( XXXX XXXX XXXX ) assign any account ( s ) in my name to ( Diversified Consultants ). These erroneous entries being reported by ( Diversified Consultants ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Product: Credit card or prepaid card

My credit report shows that I owe Citibank {$700.00} and they closed the account. When i called customer service, several times, the representatives each said that I did not have nor have had and account and that I am not shown on any account. I was told that I should file a complaint with the credit bureaus involved. 
I filed complaints with XXXX bureaus and each determined that I had an unpaid balance of {$700.00} and the account was written off and closed. 
I had cosigned with my daughter-in-law for a card many years ago. She had removed my name and gotten a new card. My name is not on any card that is delinquent and closed. I have no idea were the company is finding my name associated with a card. 
My credit score took over a XXXX point dive due to this. I always pay my bills on time. Associates with Citibank have no idea why my name is on a card when there is no record of it. I don't even know the card or account number. I don't own it.
Product: Credit reporting or other personal consumer reports

I hereby swear that this is my personal statement that the inquiries listed are fraudulent and NOT originated by me and need to be deleted from my consumer reports pursuant to 15 USC 1681c-2. Also, please update my personal information to reflect accurate information only, pursuant to 15 USC 1681e ( b ). : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE Former Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX XXXXXXXX. : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX, H. DELETE Former Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX and XXXX, Account XXXX. DELETE INQUIRIES : XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX. ADD EMPLOYER : XXXX XXXX XXXX. ADD NAME : XXXX XXXX XXXX. 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Transunion, XXXX, XXXX ) credit report, and noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All three of the credit bureaus are in clear violation of the law. Under 15 U.S.C Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) 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 : Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six month, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Student loan

I became XXXX while I was attending school. My federal student loans have been discharged because I fall under their classification of non veteran XXXX XXXX. Navient has denied my application for discharge due to XXXX. They said the only way I will fall into their description of XXXX XXXX is if I 'm deemed so by the VA, but I 'm not a veteran.
Product: Credit card or prepaid card

On XX/XX/XXXX an unauthorized purchase was made on my capital one credit card ending in XXXX. It was from XXXX XXXX and the amount was {$2100.00} I had my first baby on XX/XX/XXXX and suffered from XXXXXXXX XXXX XXXXXXXX and XXXX I didnt try to dispute the charge until XXXX of this year after realizing the charge was there, and the interest and fees were killing me. I told capital one about the issue was very honest on who used the credit card, my sons father XXXX XXXX XXXX. They told me to file a police report and go that route with it. I did and still not enough evidence to pursue any further investigation. XXXX XXXX and I met in XX/XX/XXXX, since then I have accumulated more debt than ever before and my credit score has deteriorated. I know for a fact he always had pictures of all my information including credit cards, debit cards, drivers license and maybe even my SSC. I am trying to pay off my debts the best way I can as quickly as I can, however it seems to only get worse. XXXX XXXX XXXX has taken over XXXX from women that I personally know of. I am one of them. XXXX XXXX was another, and XXXX XXXX being the last victim before me. His parents paid XXXX and XXXX XXXX off cash. So no legal action has ever been taken against him.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX Date Opened : XX/XX/XXXX reported to TRANSUNION, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, XXXX XXXX XXXX  falsely reported that I missed a payment and at the same time closed one of my accounts without any notice causing my credit score to drop.

As result, I called and had the account closed and XXXX XXXX XXXX said that they would correct it with TransUnion. On an unrelated matter, XXXX XXXX alerted me that there was a negative item on my TransUnion report and it was from XXXX XXXX XXXX. I called TransUnion, XXXX XXXX XXXX XXXX response was to send me a text stating that my account was still open and that I owed them {$28.00}. 


When I called XXXX XXXX XXXX, they claimed that they were unable to help me.
Product: Debt collection

Company in question ( XXXX XXXX ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : VA XXXX XXXX LLC ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Mortgage

I 'm a XXXX who performed work as per agreed contract proposal, however the property was foreclosed, and sold in the middle of construction, the insurance company paid the mortgage company in full for the Accident Repair work to be performed, the mortgage company sent a " Conditional Waiver and Release of Lien '' for me to sign and send back. I was also instructed to await the agreed final payment and to cease all work, I did as directed. I sent it back XXXX XXXX, 2015 ; however I still have not been paid as promised ( stated on conditional lien release )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company only reports the last 2 years. Company is adding just negative items back on to my credit. I feel like they are intentionally trying to ruin my credit. I informed company I was going through financial hardship While I was in XXXX school and eventually joined their program. Now that I am out and have paid off most of my debt. My income has increased. I feel like they are retaliating by my lower my credit limit and keeping negative items on my credit. I am a XXXX  and in addition to dealing with XXXX XXXX, I have to deal with unsatisfactory customer service. I have been a customer for over 6 years.
Product: Vehicle loan or lease

I am writing to you regarding the auto loan account that was charged off and subsequently paid off. As per the Fair Credit Reporting Act, violations of 15 USC 1681a, I request that you delete this account from my consumer file at all consumer reporting agencies.

Under 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is excluded from the definition of " consumer report. '' According to the Truth in Lending Act 15 USC 1602 ( g ), my social security card, drivers license/ID, and license plate are all credit devices that were used for the extension of credit. Therefore, the auto loan account should be excluded from my consumer report. 

Furthermore, the Gramm-Leach-Bliley Act 15 USC 6802 imposes obligations on financial institutions with respect to disclosures of personal information. According to section 6802 ( a ), a financial institution may not disclose any nonpublic personal information to a nonaffiliated third party unless it provides the consumer with a notice that complies with section 6803 of this title. Section 6802 ( b ) further requires the financial institution to give the consumer the opportunity to opt-out of such disclosure. 

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
Product: Debt collection

Getting calls about a payday that I supposedly took out online that has not been paid. I did not take this loan in XXXX. I 'll filed bankruptcy in XXXX. Any loans that I had at the time were under the bankruptcy and I have never had anything to do with pay day loans since. They called my job today showing a Delaware number. When you call the number back a recording says they do n't take calls. They left an XXXX number which I called and asked them to provide proof and documentation which they refused. I asked them not to call my job again and they called again this afternoon. They were threatening court action and some non check writing list. And when I would not work with them on the phone without receiving documentation, I was yelled at and then hung up on.
Product: Money transfer, virtual currency, or money service

Paypal keeps using security as an excuse to not give me my funds. My funds came from my federal tax return, and fafsa refunds. I've been calling paypal since XX/XX/2023 trying to get my funds transferred into my bank account and everytime i call they have different excuses about why i can't access my money and why they've locked my account down. I've been calling everyday trying to get this resolved.