23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email from a credit monitoring company that a major derogatory was placed on my credit reports. The derogatory was for a stranger, different first name, different last name. I called the collection agency on XX/XX/XXXX  and was told that I owed money to an apartment complex in XXXX, TX. I tried to explain that they had the wrong person, was told repeatedly that the debtor used my SSN and date of birth to rent the apartment, they had no answer on why the name was different from my name. The woman I spoke to asked if my identity was stolen, I said it must have been if the debtor used my SSN and date of birth, she emailed me an identity theft affidavit, told me to file a police report, which I did. I researched the XXXX eviction database and called the original creditor and learned that the debtor did NOT use my identity. The collection agency lied to me about that. The collection agency has admitted that they put the collection on the wrong person 's credit report, but did not address my statement that they lied about whose information was used for the rental. I wasted hours of my time, wasted police resources to file a police report that was not needed, have suffered XXXX and XXXX XXXX  from the stress. The collection agency lied to me about the debtor using my identity, and they did not exercise reasonable care when they randomly picked my credit report to post the collection derogatory. Different names, different SSNs, different ages, different states of residence. There is no excuse for lying to collect a debt, and I believe some type of due diligence should be exercised before randomly " picking '' a credit report.
Product: Credit card

I received a notification on XX/XX/23 from XXXX XXXX that there was an inquiry from Wells Fargo for a credit card application which I did not apply for. I contacted Wells Fargo immediately and the made note that this was a fraudulent application and will deny approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Automotive Credit Corporation in regards to a credit inquiry I did not authorize. I was transferred to XXXX XXXX XXXX XXXX whom Collections representatives are extremely rude. They pulled my XXXX report on XX/XX/XXXX without my authorization. When I asked them why they said I signed a contract back in XX/XX/XXXX which authorized them to pull my credit report whenever they feel like it and the contract has no expiration date per XXXX whom was rude. My concern since I have no contract with XXXX XXXX XXXX XXXX they pulled my credit report fraudulently. I did not give them permission on XX/XX/XXXX to pull my report. Automotive Credit Corporation is also reporting to XXXX  incorrect information on a collection account. They are continuously reporting I have a XXXX balance and I have received documents that my current balance owed to them on court documents is XXXX. My employer certified a final statement on garnishment to them with the court ordered amounts. I tried to resolve the issue with them and I am getting no where. Their representatives are rude and do not seem to know what they are talking about. I would like the hard inquiry on my credit report investigated and removed. I will also like them to update my XXXX report with the current amount owed per my court documents or to settle for the said amount in my court documents which is XXXX.
Product: Student loan

Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.
Product: Debt collection

XXXX, originally through XXXX XXXX Medical Center for {$2000.00}.

These charges occurred in XX/XX/2016. The CEO of the hospital at the time XXXX XXXX agreed to waive & discard all charges from the visit to keep from filling a malpractice suit against the hospital for lack of care & discharge from the hospital. The event of the neglect resulted in me going to another emergency room the following day to seek medical attention resulting in a serious medical condition, a 9 day stay in the hospital & continuous follow ups as well as being out on Social Security XXXX. When XXXX XXXX Medical Center took on a new CEO later in 2016, the charges that were once taken care of were resent. I called and verified the previous agreement of the charges being waived to avoid a malpractice suit, but it was still sent to collections.
Product: Credit card

Fortiva is charging me a minimum payment of {$210.00} on a balance of {$1500.00} for my XXXX Credit Card that they manage. Previous statements with balances of that amount did not have minimum payments that were this high. I have no missed payments and just made a payment of {$2500.00} to them to reduce the current balance that posted prior to the statement being generated. I called and was told that the minimum payment is based on the highest balance and NOT the current statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through Fed XXXX service. XXXX listed the XXXX accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my XXXX XXXX and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report
Product: Student loan

I got a private loan for {$3500.00} in XXXX. I've been paying for it for 14 years and it's still the same amount. In XXXX, I had a job where I was getting paid weekly. I made payments each week to pay the amount down and it never went down. I made payments and it was over half the loan based on the tax information. I was making payments and requested information from the loan company at the time which was XXXX XXXX at the time. They said I made payments of roughly around XXXX XXXX My loan was switched to XXXX XXXX and then Mohela. I checked my credit and it stated my loan would be paid off in 5 years and the loan is 14 years old. I stopped making my payments last year because my husband lost his job, but I've thrown away thousands of dollars and this loan isn't going anywhere. They said I've only paid interest and that can't be right for 14 years. This is predatory and it's no way this is legal.
Product: Debt collection

I get at least one call each day from Caller ID : Navient. Phone Number XXXX. They say I owe money and can clear my account by calling XXXX or I can sign on to Municipal Services Bureau to pay the amount owed. 
I have contacted every number and web address for them at least 3 times and told them they have the wrong person/contact info. They say it's cleared, apologize, then it starts happening again.
Product: Credit reporting

I filed a chapter XXXX Bankruptcy in 2008 I had a mortgage with XXXX XXXX XXXX that was included in the bankruptcy and not reaffirmed. It is currently reporting to the credit reporting agencies. This account needs to be removed due to it has been over XXXX years since the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer Fico credit report which I do not recognize as a reported and which are the result of identity theft and fraud I have attached the accounts question.
Product: Mortgage

I pre-qualified for a {$150000.00} mortgage with Wells Fargo. I found a property valued at {$85000.00} and made an offer which was accepted. As the mortgage process formerly began, I received routine requests from Wells Fargo for information and delivered supporting documentation in 1-2 days.

Throughout the coming weeks, my application was always described as " approved ''.

Less than 10 business days prior to closing, I received a request for additional documentation or proof of income/assets. This included proving that my direct-deposit tax refund was actually from the IRS. Moreover, I was instructed to provide monthly statements from brokers that only issue quarterly statements. 

After much frustration and speaking with managers, I gave up. 

I learned that no one is actually " approved '' until the mortgage is funded.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic FUND Transfer ACT ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXXt that was previously agreed upon between your company XXXXXXXX XXXX and Paramount recovery. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Consumer Loan

I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.
Product: Checking or savings account

Hi, good afternoon, I have original open a dispute with Wells Fargo Bank on XX/XX/XXXX under claim numbers # XXXX & XXXX. no purchase Intl Authorization on XXXX XXXX XXXX , original I made my vacation reservation with XXXX for my plan vacation I was the charge for the rental car for XXXX . I have my email for XXXX with my original reservation for my travel plans. according to WellsFargo, the did not open my claim dispute until XX/XX/XXXX or it was not assig to a representative to work on my claim until then. According to their guidelines, the have 10 business days to open the dispute and review the information the original dispute was done online on XX/XX/XXXX. according to Wells Fargo, it was open XX/XX/XXXX according to them they notified visa the merchant they have by law 45 days for XXXX to respond regarding the issue. XXXX respond on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Information and Removal of Accounts Dear TransUnion, I am contacting you regarding several entries from XXXX XXXX XXXX XXXX XXXX that were recently disputed and subsequently validated. Kindly provide me with the information used to validate these accounts. If the validation for the XXXX account can not be verified within 15 calendar days from the receipt of this document, please proceed to remove the account immediately. 

Additionally, the XXXX XXXX  account has exceeded the statute of limitations and must be deleted from my credit report promptly. I have verified this information with the Attorney General of Ohio. 

Furthermore, the XXXX  XXXX bankruptcy listed on my account contains inaccurate information that requires correction or verification. 

Thank you for your prompt attention to these matters. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from AllianceOne collections saying I owe for a traffic ticket from 2011 saying they purchased the debt from XXXX XXXX traffic violation bureau when I go to the XXXX XXXX website and type in my licence # and date of birth it says I don't owe anything. AllianceOne is threatening to report me to credit bureaus and ruin my credit please help
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX XXXX refused to  respond to my requests, they caused a XXXX late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Product: Credit reporting or other personal consumer reports

A letter was sent on XXXX XXXX to XXXX XXXX CEO XXXX XXXX XXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform XXXX CEO XXXX XXXX, Equifax CEO XXXX XXXX XXXX and XXXX CFO XXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.
Product: Student loan

I graduated last 2007 granted with a XXXX XXXX at XXXX - online base in XXXX XXXX XXXX. I have been paying my loans and when it starts I was on my XXXX $ after 2-3 years my balance is still the same. 3 months ago I filed for defferment to this loan due to my work status changes to part time. This XXXX the repayment of the loan will start again and according the representative that I spoke with last time that I have exhausted my defferments and I can not reapply again and I have no choice but to pay my loan monthly. Please help me on what to do at this point.
Product: Credit reporting or other personal consumer reports

XXXX {$2900.00} Account still open after I was told it would be closed out
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has been taking {$490.00} out of my account since XX/XX/2022 without authorization through my XXXX business checking account ending in XXXX. I have tried numerous times to resolve this with Capital One as i do not have any account or business with them. They now owe me over {$6000.00} plus fees and again, I DO NOT AND HAVE NEVER HAD ANY BUSINESS DEALINGS, CHECKING OR SAVINGS ACCOUNT WITH THIS CAPITAL ONE BANK!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Ford Credit and I am not satisfied with the response from Ford Credit. Ford Credit denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. Ford Credits website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and Ford Credit was unable to reach me to notify my of the late payment. Ford Credit is purposely trying to keep this damaging information on my credit report when I was only 31 days past due.

Ford Credit is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to Ford Credit in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn Ford Credit has such a hardline attitude towards the circumstances of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit without consent on XX/XX/2019 and XX/XX/2019. These were results of card replacements with one due to fraudulent activity.  I disputed with credit bureau with no success and XX/XX/XXXX also refuse to move stating they have the right to pull whenever per my initial agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report to determine that Capital One has reported me late numerous times while on XXXX XXXX XXXX. Capital One needs to pull the calls from XXXX to verify that I told them I was on XXXX  XXXX and that they put my account on hold on a special plan to assist me while I was not working. I found out that this was very wrong. While I was on XXXX XXXX  XXXX and I made Capital One aware of this they proceeded to close my account and mark me as late while they knew my situation. Management has reopened my account and waived the late payment fees but the late payments are still on my credit report. I really need those inaccurate late payments removed from my account. This is causing a lot of stress to me. 

I have written capital one several letters since XX/XX/XXXX the last letter was sent with a tracking number that delivered on XX/XX/XXXX. 

Capital One has me late XXXX XXXX XX/XX/XXXX, A total of 7 late payments that should not be on my credit. 

If you look at my credit history with them you will see I was never late. i paid my bill every month.