23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were recently updated with the PSLF waiver but my " ineligible payment '' count was not updated on my consolidation loans. The ineligible count on my other loans is 24 and the ineligible count on my consolidated loans is still XXXX.

Also, submitted a in school deferment waiver and the months from XXXXXXXX XXXX XXXX have not been added anywhere to my account even though I have a ECF on file covering that timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} YOU BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and t his inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.
Product: Mortgage

On XX/XX/XXXX, my home was affected by a disaster. I applied for assistance with FEMA, so the XXXX declaration of a major disaster for the State of Illinois was issued which required that no mortgage company couldn't report any late payments to the credit agencies from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX there was another storm that hit Illinois. I was already under the order for XX/XX/XXXX, so Carrington Mortgage called me and asked if I was affected by the XXXX storm I said no so they took me completely off the program. What did my account have to do with the new storm? My home was already being repaired from XX/XX/XXXX damages. They tricked me to get off the program to charge me late fees.
Product: Credit reporting or other personal consumer reports

VIOLATION OF THE FCRA .. ( EXPERIAN XXXX & ( XXXXXXXX XXXX  XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( XXXX XXXX Dated : XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... EXPERIAN AND XXXX FAILED TO CORRECT INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit card

Total visa is opening accounts with my permission! I can never get it thru the representatives or speak to fraud, constantly on hold, and blamed accused. I never opened this credit card or used it for uses, as I was accused. Close the account and claim it as fraud application!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 US.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 man seven veers 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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.
Product: Credit reporting

The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed.
Product: Mortgage

Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. 

Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. 

U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. 

Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. 

The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. 

Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist & Debt Collection Dispute Request for Contract of Assignment Dear Credit Bureau Representatives , I am formally disputing the debts reported on my credit file by the following collection agencies : XXXX. XXXX XXXX XXXX XXXX {$630.00} ( Opened : XX/XX/XXXX ) XXXX. Radius Global Solutions LLC {$1900.00} ( Opened : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX {$650.00} ( Opened : XX/XX/XXXX ) I request that each of these accounts be investigated under the Fair Credit Reporting Act ( FCRA ) and immediately removed if the creditors can not validate the debts. 

Furthermore, I demand that each collection agency provide : 1. Proof of Debt Ownership : A legally binding contract of assignment proving that the debt was legally transferred from the original creditor to the collection agency. 
2. Original Signed Agreement : A copy of the original contract with my signature proving my obligation to the alleged debt. 

If the collection agencies can not produce this documentation within 30 days, I demand that these accounts be permanently removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I will pursue legal action if necessary. 

Please provide me with written confirmation once these matters have been resolved. 

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

Can you delete these accounts because they are negative and are not mine? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX/XXXX/2015 {$590.00} was taken from my checking account without my authorization at Wells Fargo Bank. When I called to see why the money was taken out, thy said they could n't give me any information, but it was for a product I purchased. I did not purchase any products for {$590.00}, nor did I authorize that amount to be withdrawn from my account. And they would not give me any details on this product that I supposedly purchased for {$590.00}. That was appalling to me! I had to close my checking account, because it was obviously comprised and I opened up a new checking account at Wells Fargo. I am furious that {$590.00} was taken from my account and never refunded and to this day- I still do n't know what product this was for!! Wells Fargo took money from my checking account without my consent and they only told me it was for a product I purchased, but I did NOT purchase any other products with Wells Fargo. Recently on the news, there was a scandal at Wells Fargo and it was around the time this money was taken from my account- I think I was scammed like thousands of other customers and I want to be refunded {$590.00} for the fake product that I never purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! Experian stated they sent updated credit report on XX/XX/XXXX, however I have not received any documentation from Experian how this information was verified. And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information. Experian is still reporting inaccurate information.
Product: Debt collection

I asked LVNV Funding LLC to give me proof of the debt that they were trying to collect. I sent them a debt validation letter back in XX/XX/XXXX. I got a response letter on XX/XX/XXXX from a company called Resurgent capital LLC. The letter says that they are looking in to my inquiry about the debt. Nothing happened. I resent another debt validation letter to Resurgent Capital LLC on XX/XX/XXXX. Again I got the same exact letter with the same description. the only thing changed was the date.
Product: Debt collection

WELLS FARGO seeks to enforce a debt which is barred by the four ( 4 ) year XXXX Statute of Limitations, is unenforceable and illegal for collection. I have hired a XXXX Private Investigator to determine if any filing or judgment exists in the State of XXXX or XXXX. None has been found. 

The debt is not mine. THE CLAIM IS MADE AGAINST THE NAME OF XXXX, but it has come to my mailing address in the past.
Product: Checking or savings account

Plains Capital bank supplied the refund check after I was overcharged. 

XXXX XXXX is the company I worked with and they issued the check. 

1. This company claims for verify your insurance to get the cost of treatment. 
a. They claim to have done that and patient responsibility would be about XXXX XXXX ( unfortunately, I no longer have all my receipts since I thought this was resolved when I finally received the refund check ) but that was not the case, it was covered at 100 % 2. When I saw the first few claims were covered at 100 %, I inquired as to when my refund would be issued back to the card a. XXXX XXXX XXXX XXXX advised that they have to see how the rest of the claims are processed ( which makes no sense because if you are billing for the same treatment with the same codes ( as you should unless you're doing something shady ) then the benefit remains the same. I was patient and understanding and said fine b. Once I saw the rest of the claims processed, they advised that they would be issuing a check instead of refunding it back on the card, once again I was patient and understand and I said fine. 

3. They finally issued the refund and the check bounced. 
a. They were closed on Saturday and Sunday so I had to wait until Monday. 
b. I called for about an hour and the phone just kept ringing. I reached out to my patient advocate who said he would follow up with them. I had to call him around XXXX for an update which was no update. 
c. Tuesday, same thing. I called will around XXXX and he advised he escalated this since they ( XXXX and XXXX ) were waiting on someone to respond which was not much help and he said he would have an update for me by the end of the day- which he did not. 

4. Since I never got an update on Tuesday XX/XX/21 I decided never mind, I'll pursue legal action. The next day XXXX advised me to try and attempt to deposit the check again, which is fraud! After I pointed that out, he said the money was there at the office with XXXX for me to pick up along with the {$15.00} return check fee. 
a. Got there, XXXX at the front desk advised me not only once but twice that she was not there I have a recording of the second time he said it b. He then went into the back again and claimed she would be with me in 5 or 10 minutes this just seemed like yet another lie or a way to buy more time. Either XXXX lied about her not being there and he could not be trusted any further or he was lying about how soon she would get to me and I really couldn't take anymore shenanigans since at that point I was furious after driving 33 minutes one way, I left. 

5. XXXX XXXX ( my checking account ) has sent me a " substitute check '' but they advised not to cash it since the reason is only " refer to maker '' with no other detail. It could be a closed account, bad check or whatever so it would only cause me to incur more fees and possibly put my account in bad standing.
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 are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix 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 XXXXXXXX  XXXX
Product: Debt collection

In XXXX XXXX XXXX I received my first debt collection notice from the company ERC ( original creditor being XXXX ) dated XX/XX/2021 with my UPDATED XXXX, IA address at that address location. I contacted ERC on XX/XX/2021 disputing the collection in question and requesting validation of the debt, at this time the company advised me they had an old XXXX XXXX, IA address on file so I gave them the updated XXXX, IA address that they had mailed the collection notice to. 

On XX/XX/2021 I called ERC again to check on the validation request, I was again advised they only had my old XXXX XXXX, IA address and I again advised of the XXXX, IA address. I was also advised that they had not received anything from XXXX at that time in regards to the validation of the debt. 

I followed up again with ERC on XX/XX/2021 twice due to the first representative disconnecting my call, and both representatives still only had my old XXXX XXXX, IA address. I was advised that they had still not received from XXXX not sent me validation of the debt in question. Since it was now passed 30  days from my initial dispute/request and they failed to provide validation I requested the debt be removed/closed. After escalation I was transferred to speak with the " Office of the President '' of ERC but received their voicemail. I left a message and when I heard nothing back a few days later I called the " Office of the President '' again complained about the call center not being able to update my address and that I wanted this debt closed since they could not provide me proof/validation. I was told I would need to speak with XXXX about having the debt closed and why they were failing to provide validation. 

On XX/XX/2021 after receiving nothing from either company since XXXX 's discussions I contacted XXXX. I explained the situation and was just advised that I would need to contact ERC and work with them only. I called ERC on XX/XX/2021 and was advised they still only had my XXXX XXXX, IA address and that they did try to send me the validation in XXXX, but I never received anything from either company, I am speculating it would have been sent to the bad address they could not seem to change/update. 

I do want to add that this company, ERC kept advising me that they are not a collection agency and therefor couldn't close the debt. I find this hard to believe since their disclosure on the phone and on their Collection notice letter states " This is a debt collector attempting to collect a debt... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FOLLOWING WITH EXPERIAN : REPORT # XXXXXXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX  XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY XX/XX/XXXX CREDIT REPORT & MY EXPERIAN/XX/XX/XXXX CREDIT REPORT. 
**EXPERIAN UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : EXPERIAN XXXX XX/XX/XXXX XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX, XXXX and Equifax.They said everything is 100 % Complete and Accurate. I would like to receive the description of reinvestigation procedure According to the FCRA 15 USC 1681i ( 7 ). 

Because the list of account below are NOT ACCURATE.The Open date, date last active, account type, date last payment, past due, Balance, High Credit is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.
Product: Credit card or prepaid card

I submitted a payment to my XXXX XXXX XXXX XXXX Citi account on XX/XX/XXXX in the amount of {$10000.00}. Today, XX/XX/XXXX, I was unable to use my credit card as it was declined at the gas station and again for an online purchase. 

I called and spoke to customer service and was told the account is on hold until XX/XX/XXXX to ensure the payment is legitimate and clears my bank and until then I have XXXX credit available. This is completely non-sensical. Also, I did not receive any correspondence advising me the card is unusable. 

Neither the customer service rep nor the supervisor could specifically explain the criteria behind why this payment was flagged. I was told " there is some criteria for large payments that trigger this ''. Nor was there an explanation as to why I wasn't notified. This is beyond bad business, considering : 1. ) Citi is being paid a payment which lowered my balance ; 2. ) I have no history of late or returned payments on this account ; 3. ) Citi has already drafted the payment out of my banking account ; 4. ) If you've already taken my money, I should have access to my credit card account. 

This is a terrible policy that is not consumer centric. I expected better from Citi. I will be returning to XXXX and XXXX XXXX for my credit card usage. They have far better customer service. ( I didn't really need the snarkiness from the Citi customer service rep and supervisor that took my call. ) While I realize Citi won't particularly miss my business, I am submitting this in the effort to let others know of Citi 's poor policies and disrespectful service. 


Citi XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service # : XXXX
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation