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

I co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income ( work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Mortgage

I have a loan with Wells Fargo I keep getting letters that my real estate taxes are not paid. I have written a hard copy complaint, and sent back their email. I have XXXX letters and XXXX emails from Wells Fargo in the past 3 weeks on the same subject. I pulled my canceled checks and see that my real estate taxes are paid. What gives Wells Fargo?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute regarding the removal of old addresses and employers from my TransUnion & XXXX credit report. According to consumer protection laws, I have the right to ensure that my credit report is accurate and up-to-date. 

I have noticed that my credit report still contains outdated addresses and employers, even though I have requested their removal multiple times. These addresses and employers are no longer associated with me and have not been for some time. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I believe that TransUnion & XXXX has violated the Fair Credit Reporting Act by not removing these outdated addresses and employers. According to the FCRA, credit reporting agencies must ensure that their reports are accurate and complete, and must investigate any disputes that are submitted to them. 

I am requesting that TransUnion & XXXX immediately remove these outdated addresses and employers from my credit report, and provide me with written confirmation of their removal. I also request that TransUnion & XXXX provide me with a free copy of my credit report to ensure that all other information is accurate and up-to-date. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

Below is information that the sender provided in this email message that I am here complaining about : Fw : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : Subject : [ Daily Report ] [ New Update Result ] Latest Reminder - About your account login from, XXXX, Account report sent to your [ XXXX # ] On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received an email supposedly regarding a " Paypal '' account using my name. The information re : the sender is above ... .having removed my name on it ( as was suggested by your reporting information ). It seems like a scam attempt/phishing attempt by some fraudulent actor to get information of mine for their benefit, either immediate or in building an even more effective scam attempt in the future. 

I am unsure if this report to you is the correct procedure to mitigate the kind of online fraud attempt ... .Please redirect me if there is a better US government office to make this report to. Thank you ... 

Mr. XXXX XXXX XXXX XXXX Il. ( XXXXXX/XX/XXXX )
Product: Mortgage

My husband and I applied to refinance our mortgage loan to a 15 year mortgage at 2.50 % with New American Funding with XXXX XXXX as the loan officer. We started the transaction XX/XX/2020 with XXXX and his assistant, XXXX XXXX., we submitted all disclosures and documents by XX/XX/XXXX. On XX/XX/XXXX, I received additional loan disclosures from XXXX and submitted the same day. After that I did not hear from anyone until XX/XX/XXXX, when XXXX XXXX sent me additional loan disclosures along with asking my husband employer to submit many different forms because they changed payroll this year. However, besides the time it took to get the loan to close which would of been the end of XXXX, if I would not of canceled, is they sent me a disclosure with no explanation, but to sign due to charging me {$1100.00} for added points due to the rate was pass the lock date. This was due to how long their process was taking to go through the many channels to close a loan. XXXX tried to put the blame on me as we were gone for a few days at the beginning of the process and I had the necessary documents to his office by XX/XX/XXXX. He was not very informative or apologetic for the way my loan process was handled. Actually, they were more than happy to cancel the process. which considering my husband and I credit scores are excellent caught me by surprise. I would not recommend New American Funding to anyone due to how they treat their clients and the surprise fees at the end of the loan process.
Product: Debt collection

Diversified Consultants is a collection company hired by XXXX and XXXX when an account is in collections.

The XXXX  account was open in XX/XX/XXXX and closed paid and full, with all equipment returned to XXXX. Diversified is showing a false open date of XX/XX/XXXX, on my credit report with a balance of {$3100.00} Diversified continue to update this information on my account every month and every year Diversified update my account with a new open date.

The XXXX account was paid in full of {$140.00} in XX/XX/XXXX, after transferring to another phone company. Diversified is once again showing a false open date of XX/XX/XXXX, with a balance of {$2100.00}.

I had to change my telephone number because I was harrassed daily from Diversified Consultants. I have disputed this company twice over this false predatory balance on my credit report. XXXX and XXXX were paid in full. Every time I dispute Diversified Consultants, they update information on my credit report account which caused my credit score to go down. This is a form of intimidation to try and keep me from disputing this information, so I can pay them the amount they say I falsely owe.
Product: Credit card or prepaid card

I have a fraud claim with Bank of America that has been in a pending status since XX/XX/2022. The time frame for resolution provided to me was 60 business days. At this point it is well past that time. I have attempted to resolve this delay with the bank, however the XXXX complaints I have filed about this unresolved claim have had no effect. I am only told that it is still under investigation. I have had claim added to their Tracker which is supposed to escalate to a supervisor if a claim is not resolved in the time frame. This action has also beared no fruit. I feel the resolution department is retaliating against me for continuing to request reconsideration of this claim, after repeated denials. The bank has written proof of my incarceration from the Superior Court of XXXX. And still refuses to return these funds claiming that I was the one to initiate the transactions. I filed a complaint with your office on that issue which did no good the bank still refuses to return those funds. So I ave no recourse but to file a law suit against them for negligent and improper handling of my claim. Maybe you can get them to finally resolve this claim in the correct way.
Product: Debt collection

My wife has been harrassed by XXXX from Kinum, IncPhone : ( XXXX ) XXXX on several occasions. When I attempted to call he was extremely rude and eventually hung the phone up on me. he threatened to get the money through my job at the XXXX XXXX XXXX at the time. He sent a text to my cell phone with his phone number. I addressed the issue with our insurance company and they are processing the claim for payment to the original medical provider. XXXX is extremely rude and aggressive and should not be allowed to communicate in this manner.
Product: Student loan

I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} TXXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX   XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$780.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the XXXX major credit bureaus : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. OnXX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. OnXX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. OnXX/XX/XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$22000.00}.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict report
Product: Debt collection

Dear Creditor, I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes.

Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action.

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information reported on my credit report regarding account number XXXX XXXX. Specifically, I am disputing the reported late payments associated with this account. I request that you correct this inaccurate information immediately. 

I am referencing the following federal laws in support of my dispute : 15 USC 1681i ( Procedure in case of disputed accuracy ) : This section outlines my right to dispute inaccurate information and your obligation to conduct a reasonable reinvestigation.

15 USC 1666b ( Credit billing ) : This section may be applicable if the account in question is a credit card account, and addresses billing errors. Please investigate if any billing errors contributed to the reported late payments. 

15 USC 1681e ( Compliance procedures ) : This section outlines your responsibilities regarding maintaining accurate and verifiable information. 
I am requesting that you remove all late payment notations for account number XXXX immediately. I am not requesting the deletion of the account itself, only the removal of the inaccurate late payment information. 

I expect a prompt and thorough investigation into this matter. Failure to correct this inaccurate information and remove the late payment notations will leave me no choice but to pursue all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Please provide me with written confirmation of the corrections made to my credit report within 14 days.
Product: Debt collection

Phoenix Financial sent a letter to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX It was in my maiden name which wasnt my name at the time this supposed ambulance ride occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.
Product: Payday loan, title loan, or personal loan

It has come to my attention though contact with the office of the Attorney General of the State of New Jersey that payday loans and tribal installment loans are illegal in New Jersey because interest rates exceed the 30 % allowed under law. It is criminal usury if a lender charges an interest rate of 30 % or more to an individual .Your interest rate on this loan is is 467.77 %. Because the loan agreement was signed electronically on a computer in New Jersey it is governed by NJ law, Not Tribal. Tribal laws apply to tribal members and people living on the reservation. 
Therefore, the loan contract that I have with you, according to my state 's laws, is illegal and not enforceable. Although I am not required to do so, I have repaid the principal balance of the loan. To date, I have received {$1000.00} and have made 3 payments of {$340.00} for a total of {$1000.00}. This results in an overpayment of {$32.00}. I am a XXXX year old veteran living on social security and a part-time job, I can not make these payments and keep up with the rest of my obligations each month. 
At this time I am requesting a return email acknowledging that my loan has been paid in full and my account has been closed. Also, I would like a refund of the {$32.00} overpayment. A refund check of {$32.00} should be mailed to me at the address you have on file. 
I am revoking ACH authorization, per Federal law, Regulation E Section 205.10 concerning pre-authorized transfers. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.I demand that any contact be made through email only. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number.
Product: Money transfers

I linked my XXXX XXXX XXXX checking account to PayPal and then used PayPal as an intermediary to pay a friend. I was given the impression that PayPal would deduct the amount I wired my friend from my checking account, similar to how Venmo payments occur. However, this never occurred. Instead, by linking my XXXX account to PayPal, PayPal slyly opened a credit card account unbeknownst to me and used the " funds '' on this credit card account to pay my friend. This credit card account is now in collections and I have been referred to a debit collector for an account I was never aware I opened.