23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Guild Mortgage and they have XXXX up my mortgage and I now have a sale date scheduled for XX/XX/2018. My loan is a VA loan, but Guild Mortgage literally haw never provided me one opportunity to get assistance. I suffered a severe health issue last year and fell behind on two of my mortgage payments, but got caught up after I came off doctor ordered bed rest and paid them the {$3000.00} I owed them. When I tried to make the next months payment, Guild Mortgage refused my money and said they could not take my payment. I believe they thought I was in foreclosure and did not properly account for the payments I already made. I was arguing with them for awhile, but gave up. 
Then a couple of months later I contacted them and they said I owed them {$3000.00} again, but they would not take my payment. When I asked for help their representatives ignored me and told me I had to contact HUD for help. This isnt true and they should have helped me through some type of assistance program. I contacted a law firm to help me, but they were a scam and stole thousands of dollars from me. Now Guild Mortgage has taken me down the path to losing my home through foreclosure. I have significant equity in my home and I believe that they just want to cash in on my home. I have plenty of income to afford a reasonable mortgage payment, but have not been given the opportunity to get back on track. Guild Mortgage must be the worst mortgage company in the world and I need help getting through to them. I am hoping that you could contact them and see if they followed government guidelines regarding assistance programs for VA loans.
Product: Credit card or prepaid card

Bank of america closed my california edd debit card over XXXX months ago due to fraud activity. 
I went through california edd identification verification process and verified. Edd request bofa to reopen my account but bofa still closed my account. Bofa reps continue to ask me to wait. Also bofa finished their investigtion and closed the case as fradulant activity. I like Bofa to reopen my account so i can access to my funding
Product: Checking or savings account

Way to many over draft fees and than I'd get the same overdraft fee over and over
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : 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 Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects above that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Product: Debt collection

I Have disputed this several times with my credit bureaus and they refuse to remove. I dont know who the debt collector is. I do not have an account with them and never have. They refuse to provide me with the original contract and my signature as I e requested multiple times over the last XXXX XXXX years. I want this removed immediately from my credit report and my points restored. On top of it, they keep adding charges that are not real to the account and can not provide documentation.
Product: Credit card or prepaid card

Today was the 3rd time I have attempted to contact Bank of America recently with no success. When I call, I get either static on their line ( unable to hear anything ), or prompted to enter my personal info which their website does not register, or if I'm lucky, I am able to wait through their automated system only to get a message that they have over a one hour wait. I would like to say this is something new - related to high call volumes addressing Covid-19 but this has happened whenever I contact Bank of America regarding my credit card over the last two years. I have even attempted to schedule an appointment using their website scheduler, but each time I have tried this I receive a message that the local branches are not scheduling appointments. Clearly, they have created a firewall to ignore customers. This is my complaint. 

The reason form my attempts to contact Bank of America are regarding my interest rate I am being charged. I have sought to discuss the rate and see if a lower rate is available because the interest charges are extremely high. I have an option to transfer to a credit card with a much lower rate, but wanted to give BofA a chance to lower their rate.
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 U.S.C. 1681. 
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  Account name XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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 take 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 7 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: Vehicle loan or lease

On my credit report, I am now responding to XXXX XXXX with a balance of {$3100.00} due to a settlement and Now my updated balance is {$1100.00} and the Nicholas Fin reports are reflecting wrongfully on my credit report.
Product: Credit reporting or other personal consumer reports

There is inaccurate information on my credit report. I disputed the items and it was not fixed.
Product: Credit card or prepaid card

I have XXXX credit cards through Comenity bank, one from Ulta and one from XXXX. Their website has been undergoing routine maintenance for almost 5 days now. Making it impossible to pay bills or do anything whatsoever with their cards. Their phone lines are also down. If my payment ends up being late, I do not want to be penalized or have my credit score negatively affected.
Product: Credit card or prepaid card

In XXXX, was pre-approved for an AMEX cash card based upon an offer of {$150.00} statement credit if {$1000.00} was spent in the first three months. I agreed to these terms, and after charging the {$1000.00} in the first month, I inquired about the statement credit and the rep told me that it would be credited after 3 billing cycles. Last week, after still not receiving the credit, I was told by another rep that my inquiry would be escalated. Today a supervisor told me that I did not qualify for the credit for unexplained non-specific reasons such as having too many AMEX cards ( I have only 2 current cards ) and that somehow I agreed to waive the credit when I applied for the card! This is patently untrue. AMEX has cheated me out of my earned credit. Please escalate this .to a Manager, which the supervisor " XXXX '' refused to do today.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding XXXX unauthorized hard inquiries that have been made on my credit report, which I believe are a result of identity theft. The inquiries listed below were made without my knowledge or consent, and I am taking immediate steps to address the fraudulent activity : XXXX. Inquiry XXXX : XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX - Business Type : XXXX XXXX XXXX  Companies - Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX XXXX. Inquiry XXXX : XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX - Business Type : XXXX XXXX- Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX I did not authorize either of these inquiries and was unaware of them until I recently reviewed my credit report. I am concerned that these inquiries are part of an ongoing case of identity theft. As such, I have reported this matter to **IdentityTheft.gov** and have attached a copy of my complaint form to this letter for your reference. 

In addition to reporting the fraudulent activity to the appropriate authorities, I request that your office take the necessary actions to investigate these inquiries and remove them from my credit report. I also ask that you keep me informed of any steps being taken and the resolution of this issue. 

Thank you for your prompt attention to this matter. I trust that the Federal Consumer Protection Bureau will act swiftly to address this serious issue and assist in resolving the fraudulent inquiries. 

Sincerely, XXXX XXXX
Product: Debt collection

The company texted me about a debt collection with reference number and link to verify debt. 
Upon trying to verify the debt and validity, the account and reference number given does not match full name, social security number, or date of birth associated with me or my phone number. Considering my information, such as phone number, has been involved in breaches and identity theft in the past, I suspect the company has stolen information in their file that they have failed to verify ownership with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but XXXX and Experian have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/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: Debt collection

On XX/XX/XXXX I received a letter from Harris & Harris , LTD dated XX/XX/XXXX advising of an alleged delinquency on an account. As I was unfamiliar with the claimed debt I contacted the office at the number provided and explained that I was unaware of any outstanding debts and requested supporting documents to confirm its validity. I was told they would request the info and send it to me. Since that call I have yet to receive any such proof but I do however continue to receive calls XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX ) attempting to collect the claimed amount owed. In response to each call I have repeated my request and each time I am assured the supporting documents will be sent, with the exception of today 's call during which they claim to have sent me several letters and insinuated I must be throwing them out. I took umbrage with such accusations and let my displeasure with their tactics be known stating clearly that the only written communication I received was the XXXX letter which only indicated an amount owed and date of service, neither of which could be construed as proof of debt. I was told the notice was proof of debt. I maintained that the first letter did not contain any specifics of services rendered and as such I could not validate the debt and I reiterated my request for supporting documents. I further requested that they no longer contact me by phone and advised that in response to any future phone calls I will seek counsel to protect myself from unfair collection practices. 

My interactions with Harris & Harris have given me little reason to believe their collection techniques consist of anything more than badgering consumers on unsubstantiated debts. I have seen no evidence of an intent to resolve this alleged debt in good faith and as such I seek intervention.
Product: Credit reporting or other personal consumer reports

I am composing this letter to challenge the inclusion of this bankruptcy on my credit report. The dates of filing, reporting, and closure do not match up. This is particularly troubling since I have a court document clearly stating that this bankruptcy should not be reported. Additionally, the involvement of an unauthorized third party further complicates matters.
Product: Credit card or prepaid card

Barclays XXXX Mastercard incorrectly filed my item as " Item returned '' in the dispute case instead of filing it as " item rejected, not received. '' As a result of the Barclay Dispute department 's mistake, I was not able to get my refund of {$410.00} from the merchant, XXXX XXXX. Order # is XXXX. 
This is a violation of FCBA as Barclays Dispute department had incorrectly filed my dispute and is not unable to return the funds to me due to their mistake.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

Navy federal returned my XXXX auto insurance with sufficient funds causing my i insurance to be canceled and lapsed. XXXX also charged me XXXX dollars fee and my insurance double as well as my deductible. I can't pay my rent and because I had to pay fees so my tags on both vehicles can be reinstalled ill probably get evicted now
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I have submitted an Income Based Repayment Plan ( IBR ) request four straight times since XX/XX/XXXX. The first was a renewal. I included my latest tax return and a letter, as I have done since XX/XX/XXXX. It was denied because I did not include my federal income tax return as notified on XX/XX/XXXX. 
I explained that I dont file federal income tax return because I dont live in the United States. 
I wrote a letter and resubmitted a new IBR payment request, explaining that I dont file for federal taxes. I also had to explain what my monthly gross income was, since according to the customer service representative, they simply cant divide the annual gross income by 12. They also keep asking me for paystubs, which I cant provide, because as I have explained so many times, i am XXXX XXXX. 
And so, once again, on XX/XX/XXXX, my IBR plan was denied because I did not include my federal income tax return. 
On XX/XX/XXXX, a third IBR request was denied because my tax return does not show my gross pay, asking me for pay stubs or a letter from my employer. Once more, I AM XXXX XXXX. This I explained in my letter. 

XXXX XXXX, keeps nit picking at my IBR requests and finding excuses to not accept my IBR requests where everytime, I have included my most recent available tax return and where they can find how much I make a year and divde it accordinlgy to reach a monthly gross income. 

XXXX  XXXX is being capricious and arbitrary in making their decisions to not accept my IBR requests. The problems started last year, when my XX/XX/XXXX approved expired. Since XX/XX/XXXX, I have been losing my automatic forbearance periods on each request that is denied. 

I demand that XXXX process my IBR requests, since every time, I have provided them with my tax return and a letter explaining what my gross income is. I also want my automatic forbearance time credited back to my account.
Product: Debt collection

I learned of the debt being reported when I applied for an apartment on XX/XX/XXXX and it showed Transworld systems for XXXX for {$680.00}. 

I reached out to Transworld to get the information on alleged debt which they provided me an account number of XXXX with date of debt being from XX/XX/XXXX. 

I called XXXX and spoke with their fraud team who checked my social security number in all of their systems and stated what I knew that I never had XXXX phone or internet services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX, has Violated my rights. 

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

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

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have one closed account that is reporting negatively on my Experian account only. This is a XXXX XXXX account where I have never been late but is showing on Experian that I have been. On XXXX  and XXXX  this same report shows zero lates. I have requested this to be corrected but Experian several times to no avail. This inaccurate reporting history is not only a detriment to my credit file but also does not accurately reflect my payment history. There is also a XXXX account where I have submitted documentation that it was fraudulent that is still reporting on my credit file with numerous lates and a balance. I have contacted XXXX to close this account but Experian is till reporting an open account. At this moment, these fraudulent and inaccurate accounts are only reporting on my Experian credit report as the others have deleted or corrected this incorrect information. This situation has been going on for well over a year and I do not feel the representatives are aware of the trauma and physical and mental anguish this places on identity theft victims. 

I also have inquiries still reporting that should have been removed along with fraudulent inquiries reporting in my file. 

I am requesting your assistance in this matter as I have already emailed the CEO of Experian as well as several additional senior executives to get this issue resolved as well as submitted a complaint with teh XXXX. The fraudulent account to be deleted and blocked is XXXX. Also, since the XXXX payment history is inaccurate, it is ti be deleted as well.I have been battling with this issue for some time and have submitted complaints to the CFPB and XXXX  and also the CEO of Experian in hopes of getting this egregious wrong righted. 

Please see attached for the police report and supporting documentation.