23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Opened a home equity line of credit w US Bank, upon trying to pay off and close out the loan, sell current property and purchase another property, the title company requires a freeze/block on the line of credit. US Bank has made it XXXX XXXX impossible to block/freeze the line. I have been on the phone w customer service every day since XXXX it is now XXXX and each time the agents tell you that it will be another two days, the process is a nightmare, no one will tell you their name, you get another name and another transfer- or get hung up on- it stems from the process the agent customer service XXXX and the XXXX back office not doing what they said they are going to do. I have spent XXXX on overnight packages, spent at least 20 hours on hold or on the phone with this and now two properties will not close if this is not rectified TODAY. ( 2 families will be HOMELESS all because of US Bank 's inability/ unwillingness to do what they say they are going to do ). As I type this I have been on hold for over 30 minutes- and have made 3 phone calls back to the manager who promised she 'd call me today to confirm- only to get voice mail! DO NOT use US BANK! the consumer is powerless. I was told by a manager yesterday after another day of waiting on the US bank process that I  would have a fax evidence of the block and she would call me to confirm this morning. I 'm being held hostage by agents, managers, XXXX back office and their process! I am concerned now that I am speaking to yet ANOTHER agent at least 10 so far that they will hit another button to push back the process again.
Product: Vehicle loan or lease

On XX/XX/XXXX I called and told them I lost my job of 5 years unexpectedly. The representative said there was nothing they could do, I told her that the CFPB website stated most lenders will give extensions and and then extend the loan term and continue to accrue interest even during the extension period. She told me well we dont do that, do you have anyone else in the home with a source of income? I said I get unemployment but that barely covers childcare and my rent in {$2500.00} and my partner makes maybe XXXX XXXXXXXX which is not enough to survive for a family of XXXX. We hung up without any help. Mid XXXX, I called again and explained my situation, the guy was very kind and submitted an extension for both cars I have with Carmax, that I have always paid on time and early for 24 months and 40 months. A week later I received a call from carmax stating they declined it because I did not have any promise of having the money come the end of the extension period. I asked them to resubmit the extension request as I would borrow from my parents. Today, XX/XX/XXXX, I received a call from them stating that my account is 26 days past due and that they declined the extension request again stating that they did not know why I was unable to pay. At this point I was very upset. They are going to ruin my credit because I do not have a job, and submit to the credit Bureaus on XX/XX/XXXX at XXXX pm. I worked very hard to get my credit up and was approved for my first mortgage when I unexpectedly lost my job of 5 years. I asked how they expect me to pay when I dont have the money and they just didnt care. I will have to withdrawn from my retirement or beg to borrow from my parents who are also struggling. I should have a job by XXXX which is when I submitted the extension for. I think that its very unfair to treat loyal customers who have paid early every month for XXXX months on XXXX car loans.
Product: Debt collection

This is not my debt. I have never had XXXXXXXX XXXX. I have been a victim of identity theft. I contacted the government and they never got back to me. Someone used my SS # to collect unemployment.
Product: Mortgage

Mortgage company unfairly and with intent withholding our escrow overage due to us since XXXX 2016 escrow analysis.
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA XXXX such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the XXXX  payments were accurately reported in XXXX and XXXX of XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiallity under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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

I went to a XXXX Dealership to see if I could trade my vechicle in and I ask them not to run my credit if they wasn't able to put me in something I was re-assured that they didn't need to. I didn't know they still ran my credit without my consent until I decided to pull my credit report to see what was on it, only to find out that they ran my credit and that it had been ran 15 times for diffrent things by them I had never used my credit for anything or had it ran. I reported this situation several times with no results. I am requesting for all these Inquiries to be removed asap because I wasn't aware of them and they was added fraudently without my consent. I have listed all the inquries below that I would like to be removed from my account asap. Thank you XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US Sm Bus Admin ODA XXXX XXXX XXXX
Product: Debt collection

i don, have no knolwed about this account and lke almost all hospital or health services the actually have a no payment plan that like i know it wasnt me this collecction most to had being payed and the collector is trying to charge for something that i dont have knolweg. so i want the to send me on my email all the documents that was used on the that of this services original copys. like all information that identifies me as the owner of this debit, ss. dob. tel # .. address.the actual condicion tgat i had to have to trean for this services and the main signe contrat from that place of services. and a nother thing eany document that i had sign with this collection agency saying that i have the wright to pay this debit or the sign contrac saying that i am the original owner and that i accet eany terms an condicion. another this if they don have all the proof so tell them to remove completelly this fake collection of my credit report thak you. 


my email XXXX XXXX
Product: Bank account or service

XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We received a check in the mail from the XXXX XXXX, stating that the check pertained to our former mortgage accoiunt XXXX. However, we received no further details of what exactly the check was remediating. We need exact details in order to decide if we need to file an additional remediation claim.
Product: Student loan

My previous loan servicer verified that my employment at XXXX XXXX applied to my PSLF. However, this loan servicer, Mohela, is now stating that they have that on hold. My loan was just recently transferred to Mohela. I have been on the phone for over 2 hours, and I have been hung up on by the supervisor, who was to call me back. However, the supervisor never called me back. It is clear that they do not want to assist me. I am not sure why my student loan was transferred to them. I never had any issues with my previous loan servicer. Moehla does not have the right to reassess a finding of PSLF forgiveness qualification. It seems like a conflict of interest for them to be managing my loan, as they are the ones who are suing to stop the debt forgiveness given that they want loans to continue thereby allowing them to collect the high interest rates that make paying these loans almost impossible based on the low salaries we are paid at non-profits. See https : XXXX I am very upset at having to rehash something that was already settled. Being in this PSLF and having to work for 10 years for no money is already tantamount to indentured servitude. Must I also be harassed and stressed out having to argue about documentation already provided and approved.
Product: Debt collection

I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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 : XXXXXXXX Account Number : XXXX Account Name : XXXX  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: Debt collection

On XX/XX/XXXX, XXXX XXXX reported that I had a " major derogatory '' account 120 days past due to XXXX credit bureaus. I received an alert thru my credit monitoring service -- I have never received any communication about it or any amount owing whatsover from XXXX. 

On XX/XX/XXXX, I opened an account with XXXX because I intended to port my number from a different carrier, but decided against it and closed my account with XXXX the same day I opened it, on XX/XX/XXXX. I never purchased any equipment, activated a XXXX card, or used any XXXX services whatsoever. I have a statement showing a {$0.00} balance dated XX/XX/XXXX, and that was the last communication I ever received from XXXX. I have never received a bill, statement, notice, email, telephone call or any communication from XXXX XXXX since that date, or any indication that any amount was owing for any reason. 

On XX/XX/XXXX, the day I received a credit monitoring alert, I called XXXX, got passed around multiple times, and both the fraud unit and the " recovery '' unit told me the account had been sold to a collections agency called Convergent USA, and they could provide me with no information about the account, the amount owing, any bill, or the reasons for the report to the credit bureaus. I have never received any notice of any debt, statement, telephone call, email, or any communication from Convergent USA -- yet this alleged debt has been reported to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday I was doing a bank transaction for a personal loan and the official told me that he had a collection account from a rental company, which I did not recognize, I took the company 's information and called the next day, and they informed me that It was about a rental in the city of Texas, where I have never lived, according to the information I am XXXX XXXX XXXX, and they used my second last name ( XXXX ) account that I do not recognize in this claim I request that it be removed from my Credit Report in all companies that report, since I need to have my clean history for future transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

First week of XXXX my wallet was stolen and my identity was used to attempt to get a PayPal Credit account. I received a letter stating that I attempted to get a PayPal Credit Account and was refused. I am in no need of an account and I just wanted to report it. Thank you for your time. Reference # XXXX
Product: Credit reporting or other personal consumer reports

Experian stated in XXXX  that I was part of a data breach and my personal information plus social security number was leaked. I should not be responsible for any bad credit accumulated during this time. And Experian promised me life time free credit monitoring. But in the app it is charging me, this is unprofessional and very disrespectful. I need my credit fixed from the mistakes they made.
Product: Student loan

I have emailed, I have called, I have attempted to log on to their website, I have tried to access the account via the app. The emails never get responses, the wait times on the phone range from 1.5-3 hours on hold and when you finally get an answer the rep says they can not help as they dont have any information or resources, the payment over the phone option says its unable to process payments at this time, the website is down and will not process information to reset passwords and the app has been turned off for logging in. It is impossible to give money to this company. I am worried my credit score will take a hit due to the issues their company is having with communication. It should not be this hard to make a payment. Please help.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent accounts on my report XXXX XXXX  XXXX is not my account and need to be remove from my report immediately. 

XXXX, XXXX XXXX XXXX is not my account and need to be remove from my report immediately. 
these fraudulent accounts are hurting my credit and my personal finance and need to be remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$9200.00} Closed CREDIT  CARDS XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX XXXX Reported : XXXX XXXX, XXXX + {$480.00} Needs Attention
Product: Debt collection

My debt is from Americollect in the amount of XXXX dollars. The debt was opened up according to their reports on XX/XX/2022. Per the new law that took affect XXXX XXXX2022 the time to report negative debt on credit reports increased to 1 year. Medical doubt less than XXXX dollars shall not reported to the credit bureaus.
Product: Mortgage

I paid my own taxes for 2023. The Mr. Cooper mortgage company said they did too. I sent them proof ( copy of check ) that I did. I requested from mortgage company to send me the proof that they did. They ignored me and they still charged me double escrow
Product: Debt collection

XX/XX/2018 amount {$69.00} company IC system XXXX. XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging my date of first delinquency is incorrect. I have proof of email of when it was sent and i applied for unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted below. 

Here as follows are items in error : Personal Information Employment Information Please remove the following employer as it is not mine. 

XXXX XXXX Please remove as this isnt mine Attached is my complaint, drivers license, and social security card.