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

I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Product: Debt collection

I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to get information regarding disputes from XXXX. When I do it electronically and via mail. XXXX tells me, the consumer, they will not investigate the matter again. And they will not share the information on how they investigated it.
Product: Mortgage

I was a mortgage holder with wells fargo since XXXX. My interest rate was XXXX XXXX and my monthly payment was {$1700.00}. In XXXX  the recession hit and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Our combined checks from ss equal {$2500.00} a month. During this financial hardship I've been dealing with wells fargo loan modification home preservation specialist since XXXX  to lower my interest rate so that I can afford my monthly payments with no progress. Every time they gave me an excuse of why they couldn't modify my loan. I've tried XXXX  different times with the same result. I've been borrowing money to make my payments and wont be able to keep up while I'm trying to XXXX. I havent missed a payment since XXXX and I was beginning to fall behind in XXXX. After being repeatedly denied for a loan modification wells fargo began threatening me with foreclosure. My credit began to plummet due to falling behind on payments. I had to borrow funds from different friends and family members to pay off my mortgage in full to avoid wells fargo taking my home. I was aware of the illegal practices they were committing and let them know during a phone conversation and I threatened to take legal action and immediately I received a call back from the higher ups within wells fargo stating that they would reopen my case and attempt to modify my loan but it never happened.
Product: Debt collection

XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit This has been Removed before and now it's been added Again. they keep trying to collect this from me and its not mine
Product: Debt collection

CAC Finanical contact my wife regarding a medical debt-that is not valid-ed at all. A few weeks ago, They called her on her cell phone and stated that they need to speak with me regarding this debt. She stated that she was my wife and asked what she could help them with. The collector proceeded to tell her about the debt and when my wife stated that the was not correct that our insurance should have paid it, the collector told her that was not her problem and she need to speak with her insurance but pay the bill. My wife pointed out that the collector did not informer of her rights and that the call could be monitored, nor did the collector verify any information to see if she had the right to collect the debt. The rep stated that the call wasn't over yet and she still had time, and my wife stated that it was and disconnected the call. After that they call my wife 's cell phone 2 to 3 times a day, every day!!!
Product: Debt collection

As soon as the Illinois XXXX lifted his Moratorium that halted evictions, Wilmington Savings Fund Society , XXXX ( working in concert with XXXX and its related entities ) through their agents caused XXXX XXXX Sheriffs to pay an unwarranted visit on my house XX/XX/XXXX in pursuit of void, purported foreclosure debt or fraudulently obtained orders. The interests of the perpetrators spring from unauthorized foreclosures that they conducted in every jurisdiction. The US Government already sued XXXX and its related entities ( XXXX ) for the underlying foreclosures that they conducted in fraud and was awarded {$470.00} XXXX in a settlement. But the perpetrators, with the help of an intermeddling company -- Wilmington, some kind of transfer agent, are actively pursuing the underlying unauthorized foreclosure " debt '' by presenting more false and fictitious documents ( including false certifications, affidavits, etc. ) to courts, the Sheriff 's Office, land recording systems, and local governments. They've hit me with a succession of false and frivolous eviction suits ( related to the illegal foreclosure ) filed in an inappropriate municipal district of court under seal XXXX! Caused a false quitclaim deed to be recorded against my property XX/XX/XXXX in anticipation of Wilmington vexing me with further litigation, and have also caused my property to be falsely listed for sale XXXX XXXX XXXXXXXX XXXX # XXXX ). The perpetrators have not, and can not produce the prerequisite proofs to show that they had complied with the XXXX when litigating their claims or to show that they have a legally valid right to sell or take over my property. They rest on fraudulently obtained orders that are the result of their own violations of the federal False Claims Act and state consumer fraud law ( See XXXX 's Press Release # 16-148 for 02/05/2016 ). Their actions are intimidating, coercive and ongoing, violating federal Fair Housing Law ( 42 USC Section 3617 ), and should be stopped. They are pretending to have an interest in my property when they do not, and are abusing civil process and the court system to pursue their false claims. Property tax records pursuant to the Public Act found at 55 ILCS 5/3-5010.5 ( e ) corroborate the fact that I am the rightful owner of the subject matter property.
Product: Debt collection

I request validation of such debit with competent evidence that I have any obligation to pay you. 

Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgement if applicable ; -Identify the original creditor ; -Prove that Statue of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent.
Product: Debt collection

Synchrony Bank repeatedly contacted me over {$25.00} of debt from an  Old Navy  credit card that I believed I paid off. They would call non-stop. The first call would start at  XXXX  when I get off work. When I would speak to the representatives from  XXXX , the calls would always get disconnected. I would try and call the numbers back, but it would not go through. The representatives never called back after being disconnected. They had incorrect information like the wrong address which they would not update for me. I would request a bill, my request was repeatedly ignored. So they would just call and harass me and hang up, not allowing me to pay this debt. Once I paid the debt, the company opened up a new card in my name and sent it to me at the correct address.
Product: Credit card or prepaid card

when i checked my mail i received a prepaid net spend card on the XX/XX/XXXX and at this time i was doing training for a company so i thought it was from the company but i looked at the papers it said the card was i guessed printed to me on XX/XX/12 but i want to know why net spend has my info?, i already closed my account but i was wondering what can i do to stop this because i dont want my financial info being messed up.
Product: Debt collection

Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account. 
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXX dealer services account # XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX card services account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX account # XXXX XXXX XXXX XXXX Credit management Account # XXXX XXXX XXXX XXXX. Account # XXXX 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 an account without my written instructions.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt from XXXX bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave 6 month deferred XXXX  % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several XXXX bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with XXXX bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.
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 : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX i made a payment. Payment was reverse. I made a payment on XX/XX/XXXX to correct the payment that was reverse. Creditor still reported payment late on my credit report. 

These four dates are showing late on my credit report. I did a payment arrangement with creditor they fail to let me know that the arrangement was going to affect my credit report. I paid each month that creditor and I agreed on. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

My issue is with PMI applied to my mortgage. The whole idea of PMI is absurd for a homeowner and is specifically set in place to target people who can not afford to put 20 % down on their house. The PMI doesn't go into the interest or the principle of the home, it just goes straight into the banks pockets. The rational behind it is that I can not afford to put 20 % down on my new home so therefore I must pay MORE for my home than someone who could afford it. It is a nonsense addon which targets poor or lower middle class families which does nothing but make their lives harder.
Product: Money transfer, virtual currency, or money service

XXXX filling this complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA )
Product: Debt collection

I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called XXXX and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from XXXX asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.
Product: Student loan

I am attempting to recertify my Income-Driven Repayment ( IDR ) plan. I have done this in past years with no problem, but this year is the exception. 

I completed the IDR recertification process on studentaid.gov on and was informed I needed to submit additional materials to my loan servicer due to my spouse 's change in income. I have had to do this before, and did not have a problem in the past. 

I gathered my income information - most recent pay stub - and my wife 's information - a pay stub and a receipt of payment for XXXX XXXX XXXX she provides - along with information regarding frequency of payment for all income and submitted it to my loan servicer, FedLoan, on XX/XX/2019. 

On XX/XX/2019, I received a notification that my IDR application was incomplete, and was further notified I would receive a letter detailing the reasons my application could not be processed. To date, I have not received this letter. I immediately attempted to call FedLoan to discuss what the problem was, only to find that their " customer service '' number is a completely automated answering system with no ability to speak to an actual human - all button choices result in the system repeating in an infinite and infuriating loop.

I drafted a letter further explaining my and my spouse 's income, explaining that no other documentation exists, and asking that FedLoan consider my narrative further documentation of my income. I submitted this letter through FedLoan 's online documentation system on XX/XX/2019. 

After a week, I had not heard from FedLoan, nor had I received the letter they claimed they sent me. On XX/XX/2019, I sent an email through the FedLoan internal email contact system, alerting them that I had not received the letter and asking that they forward it to me through email or through their electronic document delivery system. 

On XX/XX/2019, I received what appears to be an automated email response from FedLoan,  which did not address the fact that I still had not received the letter they claimed to have sent me. Instead, the email merely stated " We have received your request of an Income-Driven Repayment ( IDR ) plan on XX/XX/2019 and your proof of income on XX/XX/2019. Once your request is processed, we will send you a notice with the results. '' This email encouraged me to reach out to their " customer service department '', the aforementioned automated system with no possible human interaction. 

On XX/XX/2019, I again received notification that FedLoan was unable to process my recertification request and an assertion that a letter would be sent to me detailing why they could not continue with my request. The first purported letter has still never arrived. I then sent FedLoan a  message through their internal email contact system and demanded they immediately contact me to discuss their inability to process my request and alerted them to the fact I would be filing this complaint.
Product: Bank account or service

A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.
Product: Money transfer, virtual currency, or money service

Hello, I was sent some mail from this company. Unfortunately the mail made it to an old address that Im no longer at. The resident living there now contact me about the mail but said they accidentally open it. Not sure what was in there but I was wondering could it be resent to my current address.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER COL ENT ( Original Creditor : UNIV OF XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

I used my Wells Fargo credit card to purchase XXXX XXXX ticket. On the Tuesday of my flight, XXXX XXXX cancelled the flight without reason. I had to buy an XXXX XXXX XXXX way ticket for {$580.00}. I was very annoyed and XXXX promised to send me XXXX miles to make up for the inconvenience. But they never did. So i filed a dispute through my credit card company. 6 weeks later, Wells Fargo initially told me XXXX acknowledged their wrong and that they ( XXXX ) had promised to issue me air miles. They promised to check my account in 2 weeks and if XXXX did not keep to their word, they ( Wells Fargo ) would issue a refund. called a month later and was told the case was closed but Wells Fargo would happily open the case again.2 weeks later, Wells Fargo sent me a letter stating that XXXX said flight was never cancelled. Case closed. This is the most unbelievable act of laziness, inconsistence and lack of investigation I 've ever witnessed.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Sometime in XX/XX/2022, someone fraudulantly opened up Checking, Savings and Money Market accounts with Navy Federal Credit Union under my name. 
They even overdrew {$6600.00} from the checking account by depositing {$11000.00} and withdrawing {$18000.00}. 
When I received the " Welcome '' package from Navy Federal Credit Union on XX/XX/2022, I contacted and reported this as fraud to NFCU 's security department. 
They have advised me that I will receive a mail in 15 days to update the status of the investigation. 
As of today, I have not received any mail from NFCU 's security department. I keep receiving bills from their collection department for me to pay the overdrawn amount of {$6600.00}. 
I tried calling various times to find out the status of my claim however their wait time is about two hours that is if the phone does not disconnect by itself while holding.

My main concern is the credit union 's collection department reporting to credit bureaus for non-payment of the overdrawn amount and damage my good credit history. 
Attached please see the relevant documents. 
I would appreciate if CFPB can help or assist me in this matter. 
Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1.XX/XX/XXXXXX/XX/XXXX- ( Reported Identity Theft )
Product: Debt collection

This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. 
It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. 
They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management.