23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason XXXX feels Im not following all the steps. 
XXXX XXXX  XXXX. XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with XXXX for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint refers to my recent security freeze with Equifax. ( It should be noted that I was able to create a freeze online at XXXX  and XXXX  both with NO difficulty and I have ready online access to modify my requests with each service. ) Although I was able to initiate my freeze request online with Equifax ( https : //www.equifax.com/personal/credit-report-services/credit-freeze/ ), it could not be completed until a verification code was sent to me via regular US Mail . 

Once the code was entered on the Equifax site, I was prompted to create an account for myEquifax. The account was successfully created ; however, each attempt to log in fails. 
( https : //my.equifax.com/membercenter/ # /login ) Each failure is met with the webpage at : ( https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care ) There it is requested that : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I placed a call simply to learn why it is NOT possible for me to log in despite using proper credentials. While waiting on HOLD for nearly an hour and a half, I searched online to discover that Equifax has a long history of customers having problems with accessing their account information. It is apparent that I am just one of many who find Equifax a nightmare to connect with. 

Equifax should be as easy to deal with as the other credit reporting companies - or it should be prevented from continuing to operate.
Product: Money transfer, virtual currency, or money service

I signed up for a Self Credit Builder Loan Account on XXXX XXXX.and I have paid off the loan as agreed on XXXX XXXX... but instead of sending me my money into my account they sent me an email to summit a selfie holding my drivers license, and also summit the bank statements of the card I used in making the payments which I did multiple times on there orders..after some days they sent me another email to upload the statements again before they will pay out my money ... and they blocked me access to unload the documents and I reach out to them and they kept telling me my account is under review and they don't know when the review will be over..and I asked them to refund my payments if they don't want to pay me my money and they refused and they're not letting me speak with their customer support agents anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors : 1 ) Chapter XXXX Bancruptcy DISMISSED THIS is an error and XXXX. Violation of my consumer rights. I have documentation stating this has been dismissed and should not be reporting on my credit report. 

15 US Code 1692g-Validation of debts, states if after any reinvestigation of any form of dispute by a consumer, and item is found to be incorrect or inaccurate, the reporting agency shall DELETE THAT ITEM OF INFORMATION FROM THE FILE. Kindly DELETE the outdated bankruptcy chapters and XXXX tions from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute online so that I could attach the military orders. The agency 's system would not allow me to submit the information online so I did it by phone. Without the documentation, the collection agency is refusing to act so the agency validated the collection. This is ridiculous and I do not owe this debt to XXXX XXXX XX/XX/XXXX due to XXXX and lease cancellation.
Product: Student loan

I have been in communication with XXXX XXXX, From WF Research and Remediation Analyst, Her contact information is XXXX, extension XXXX, M-F from XXXX to XXXX Central time. 

Since XX/XX/2019 I had requested to Wells Fargo for a co-signer release for my XXXX. 

My XXXX had graduated 4 years ago, and made her payments dutifully. The glitch came in on that month upon completion of her XXXX degree in XXXX ; her deferment ended on XXXX of that last semester ; consequently she entered XXXX of XXXX program started in next semester of XXXX. 
Although she called Wells Fargo to inform them of the 1 month interlude and entering XXXX program for continue deferment status, she was not made aware of only 1 payment was necessary for XXXX. Thus she was late in ONLY 1 payment. Wells Fargo notified her immediately in XXXX, and she paid immediately the interest for that month. She thought everything was okay. 

Now 3 years later, per her conversation with a Representative she was informed that she could released me as a co-signer with her excellent payment history. Yet, They deny her that cosigner release due to that misstep from that one late payment with the additional reason that this is a benefit and not automatically granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on  XXXX / XXXX / 17 . My fax was confirmed as successful. I logged in to check the status on  XXXX / XXXX / 17 , and their website is stating that they completed the results, but the results were listed as N/A. In the past 6 months I have gone back and forth with Equifax on reporting addresses I do not live at, and have never received a piece of mail at. They refuse to remove the address. Also, I am disputing Inquiries made under my name that I did not authorize, and they refuse to supply me with proof that I made the inquiry and refuses to remove the inquiries from my credit report. I provided information that in the month of  XXXX   2017  I was in  XXXX  &  XXXX  and my credit card information was stolen resulting in some of the inquiries. Not only have not investigated anything, but their website is stating that they complete the investigation, but provided NO results to me. I am so tired, and I am so frustrated with them. They have items on my credit report but are n't providing me any data that states how they are " verifying '' the accounts belong to me. This is stressful!
Product: Debt collection

I used to own a XXXX  called XXXX XXXX. I sold the XXXX well over XXXX years ago. 
XXXX soda is coming after me for a debt that I was not responsible for. The debt is around {$1000.00} and was incurred after I sold the XXXX. XXXX claims that I did not complete the paperwork to remove my name. I completed the paperwork and gave it to my representative. I do not have a copy of my paperwork since it was so long ago and they are trying to come after me for something that happened XXXX years ago. 

Their attorney XXXX XXXX pulled my credit without my permission. 

The person that contacted me is XXXX at ( XXXX ) XXXX case number XXXX
Product: Credit card or prepaid card

i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX.  but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which  killed my chances of obtaining construction financing for my new home.please help me.
Product: Mortgage

We are with this mortgage company name OCWEN. We are trying to modify a loan but the company keeps asking for documents that we have already submitted numerous times. The company claims that they are not receiving the documentation. It has been seven months to try to get this modification completed. During this seven month period the company stop excepting our mortgage payments and received mail that they are starting foreclosure. On their documents it states that while we are in the process of modification that there would not be a foreclosure filed.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesn't belong to me and need to be removed. also, the nest as well. thanks XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Carrington is making me pay for their attorneys fees. They make plently of money to pay their own attorneys fees. Why do I have to pay their attorneys fees? Carrington has millions of dollars. Why do the home owners have to pay for their attorneys fees.
Product: Vehicle loan or lease

Kia finance has been a disaster area when it comes to accepting payments. Their method of accepting payments changes from month to month. With no consistent way to make sure my payment will be accepted in a timely manner, without additional " processing charges ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous time by phone and via mail asking them to remove old outdated information that reappears on my credit report.
Product: Mortgage

Workers and manager within the company Nation Star have tried multiple times to fix the accounting error. I am told it can not be fixed as they have few home equity loans and no process to permanently resolve. On the payment records they sent me it shows workers have attempted to move payments made from principle column to payments column. I receive weekly phone calls saying I am behind on payments. I am threatened by their escalation team. While in hospital and in recovery they called and I said everything is on auto pay, I cant owe. So I paid again ( occurring many times ) It bounced and charges went to my XXXX XXXX credit card with higher interest rate for entire balance & banking fees. ( also because of this I switched & backed up checking w/ XXXX XXXX XXXX credit card and at time didnt know about the extra fees & interests. This is a XXXX loan thru Nations Star ( NS ). I ask for help from XXXX & told many many times not their co. take it up with NS & have for two years! At the end of every phone call they must say thank you for using XXXX. So it is both companys problem to fix. XXXX is a bank & I am a stock holder as all who are members. If they do this to me, I think they are doing it to more members. 
This all started when I went from XXXX to XXXX. I missed a payment at time of switch over I readily admit. & attempted to resolve. It & other extra payments went to principle. There are fees fines and aggregation. Ive had friends try to help, my XXXX tried, to no avail. I am XXXX and try hard to pay everything. My current medical bills are high & I cant keep paying XXXX more & more XXXX and interest.
Product: Checking or savings account

I have unauthorized charges on my Wells Fargo checking account and debit card. It keeps happening. I have had at least 9 ATM cards replaced this year.

I suspended my online account due to someone changing my information 8 months ago, and I was just informed XXXXw ells Fargo someone set it up and us using it again. 
Wells Fargo continues to send emails to an old account that is not secure, and I've sent I side the brand for this reason. 
Someone cashed one of my money orders, I purchased from my account on XX/XX/22 and I still have yet to receive a solution or my money back
Product: Debt collection

I've contacted National Recovery Agency multiple times since XX/XX/year> in regards to a medical bill that's being wrongfully reported on my credit report from XXXX XXXX XXXX XXXX in XXXX, XXXX. They'e reporting an amount of {$570.00} which is false. Along with multiple phone calls, I also sent an email with a bill from the hospital reflecting a XXXX balance ; they still refuse to remove this collection account from my credit report. It's over a year since I've made contact with this company and there has been no resolution.
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX I have been shopping rates for a loan that I planned to choose and finalized within the next 7 days. I was notified by two creditors that they can not access my Equifax repot. I contacted Equifax and they said my report should be accessible and that they need me to paper mail multiple pieces of identification for them to verify on my end. This is not going to work for the time frame and urgency of my matter. This needs to be resolved ASAP so the creditors can make decisions on my loan approvals.
Product: Debt collection

Westlake Financial {$29000.00} added this to my credit without sufficient, adequate validation of this debt. This is fraud and I didn't give this company permission to add this to my credit. This is violating my privacy. My personal information has been data breach and exposed.
Product: Checking or savings account

Between XXXX Navy federal was charging my debit card to go through with insufficient funds and charging me overdraft fees and charged more fees when using other money services.
Product: Credit reporting or other personal consumer reports

Addresses on my XXXX and Experian are incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX are reporting still wrong account on my credit report after a already file e complaint against them Delete these accounts...
Product: Credit card or prepaid card

On XX/XX/21, I made a payment to my Synchrony bank credit account using my credit union checking account. For some reason, Synchrony decided to debit my personal checking account instead. Both accounts are on file with Synchrony bank 's online payment system. When I noticed the charge to my personal checking account on XX/XX/21, I immediately contacted Synchrony Bank. They claimed that payment was made from my personal checking account, but I am absolutely positive that I did not authorize my payment to be deducted from that account. I asked if they could correct the error and debit the correct bank account and I was told that they were not able to reverse the payment. In XXXX, when I attempted to pay my bill using my credit union account, the payment did not process. At that time, I reprocessed my payment using my personal checking personal account. Synchrony bank has decided that it is okay to debit my personal checking account with my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully.

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Checking or savings account

On XX/XX/year>, I received a fraud alert from Chase, which led me to discover XXXX unauthorized transactions on my Chase debit card : {$92.00} at XXXX XXXX XXXXXXXX XXXX XXXX ) {$6.00} at XXXX XXXX ( XXXX XXXXXXXX XXXX  ) I did not authorize these transactions and promptly reported them to Chase as fraudulent. I also filed a police report regarding the theft of my wallet ( XXXX XXXX : XXXX ). Chase initially issued a provisional credit of {$99.00} while they investigated the claim. 

However, Chase later removed the provisional credit and denied my claim, asserting that the transactions were authorized. Additionally, Chase incorrectly stated that I had not included the XXXX XXXX transaction in my dispute, when in fact I had clearly listed both transactions in my initial report. 

I am requesting that Chase reinstate the provisional credit of {$99.00} and provide the details and evidence they used to determine that these transactions were authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance. 
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.
Product: Mortgage

The lender has consistently applied every additional principal payment that I have made into suspense instead of applying it to the principal. This has happened several times over, and if I failed to check, and called in, every time, I would have never know.
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO GET AN APARTMENT IN MY NAME. THE FOLLOPWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sezzle XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Form 1099-C Dear Sezzle, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX