23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a collection account from my credit report with Experian. I have recently discovered that this collection account has been successfully removed from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX, as evidenced by the attached document. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Checking or savings account

On XX/XX/XXXX I was subjected to the worst credit fraud I have experienced. A criminal portraying XXXXXXXX XXXX XXXX  revealed ALL my credit cards and personal information. But then, when he tells me that after paying off 3 credit cards for over {$4000.00} then he tells me that the credit cards will no longer be active because when credit cards have a XXXX balance, they'll automatically close. 

This is what clued me that he was a criminal and had all my credit card and personal information. He was calling me from a phone number I called and it's an inactive XXXX phone number, the answer we get when we dial : XXXX XXXX XXXX. When I confronted him this phony criminal so-called XXXX XXXX XXXX he said that it was for security reason. By this time, I leery and realized he was a criminal and I hung up. Indeed, the following charges are from foreign countries. This when Wells Fargo called me and was with them over 3 hours, yesterday. 

Then yesterday he's charging my Wells Fargo Visa for over {$3000.00} Credit card ending XXXX with names of foreign firms : on XX/XX/XXXX : XXXX. Amount {$1000.00} from XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Amount {$500.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$490.00} from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's another charge from my checking account but Wells Fargo deleted. 

Then Wells Fargo contacts from number XXXX XXXX XXXX indicating it's the WF Credit Card Fraud Dept. I was with a WF Rep yesterday for over XXXX hours. Then Wells Fargo tells me to mail a check for the entire checking account to XXXX XXXX in XXXX XXXX, KS. WF said that I must mail my check to the indicated firm today by XXXX. Since, it didn't make sense I called WF today to verify that I was to send my money to the indicated firm overnight and they were going to call me for a tracking number. But Wells Fargo the indicated department tells me not to mail it. That it not how Wells Fargo deals with closing and account and opening a new one, I was told. 

But today when I called to get more information there was a very abusive representative. When she sent me a code, I tried to verify the number she texted me from and just about I was going to read the 6-digit code she tells me that I failed to identify myself and I'm now restricted from accessing my accounts, that I must wait 24 hours or go into the branch that it's 40 miles away. So now I have been subjected to fraud then on top of fraud Wells Fargo also subjects me to fraud. 

As if it wasn't bad enough now, I can't even access my account. It's intolerable that Wells Fargo, instead of helping me, subjects me to fraud, it's more than I can take. I pray to God that Wells Fargo comes to its " senses. I have reported the credit card scammer to the FTC, XXXX XXXX XXXX XXXX, XXXX and to Wells Fargo ; however, two wrongs don't make a right. May God help us. Since, Wells Fargo instead of helping it made things worse. In addition, I had to reset all my 3 emails passwords because all of my passwords did not work. I still can't get to all my email accounts!
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.
Product: Vehicle loan or lease

OnXX/XX/XXXX at XXXX XXXX I made a one time {$200.00} payment with XXXX XXXX, debit card XXXX, over the phone to XXXX XXXX XXXX XXXX. That same day i made another {$200.00} payment with visa gift card XXXX also over the phone. On XX/XX/XXXX {$110.00} was automatically taken out direct from a bank account for my regular monthly payment. 
On XX/XX/XXXX at XXXX XXXX I was charged an additional {$200.00} to my XXXX XXXX debit card XXXX, and without authorization the card was ran and the funds processed leaving my account in the negative. I contacted the financial company and they denied having any knowledge of the double charge and attempted to blame the XXXX XXXX  card company and advised to to confront them on my missing money and the overdraft/ double charge. After contacting XXXX XXXX  support, they sent me the billing statement showing that XXXX XXXX XXXX charged my card without consent for an extra {$200.00} and received the money they claimed was not in their possession and they had no record of. all billing statements and proof will be attached.
Product: Credit card or prepaid card

I went through a hard time with a period of unemployment. I contacted them to try to get help they refused. I continued to try and work something out with multiple emails and phone calls with no success. Ive even asked to just give me a lower amount to just settle the account they refuse. I asked for a statement with my account number so I can give it to the debt consolidation company Im working with they refused.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Conn Credit Corp. on XX/XX/2018. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Conn Credit Corp then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and XXXX XXXX for months about this account showing up with a balance on my credit report when in fact I paid it and closed them in XXXX. I had a credit builder account and an credit card both of them were paid and closed by me.
Product: Credit card or prepaid card

I applied for an Apple credit card, through Goldman Sachs, around XX/XX/XXXX. When I completed the application on line, it stated that the interest rate would range from 10.99 % to 21.99 % depending on credit rating. I was not advised of the exact rate until after the card was in my possession and the card was enrolled in Apple Wallet. At that time, I discovered I had been assigned an interest rate of 21.99 %. My credit score was and remains over XXXX. 

I called Goldman Sachs on XX/XX/XXXX to inquire why they thought it was appropriate to charge the maximum and to ask what they would charge someone with a lower credit score. The customer service representative ( CSR ) told me I would need to take that up with the credit rating company, such as XXXX XXXX, to which I replied that the bank sets the rate, not the credit reporting agency. Despite numerous apologies for the 'inconvenience ', Goldman was incapable of speaking to the issue, even though I was put on hold several times for the XXXX XXXX consultation with the 'supervisor '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1099-C has been filed sent to IRS along with Ally Auto and a cease and desist letter. This information has also been sent to XXXX and they still report on my credit and this account information has been incorrect numerous times and Ally Auto has already been sued for FRAUD.
Product: Credit reporting or other personal consumer reports

I have been denied credit and online savings accounts because apparently there is a credit lock on my equifax report. I have tried several times over several months to fix this myself. In fact I came here several weeks ago to file a complaint and never heard from them. Equifax does not offer live chat help over the phone everything is done remotely overseas and I can not find help to access my account and see why I have a credit lock on my equifax report. I did not place a freeze or a lock on my credit file.
Product: Debt collection

I the consumer asserted my rights to validate a debt with UNITED COLLECTION BUREAU INC. However, UNITED COLLECTION BUREAU INC decided to continue violate my rights by denying me the right to validate any " alleged '' debt amongst others. I have details of these individual actions in the attached documents.
Product: Credit card

I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.
Product: Student loan

My lender Navient has steered me into costly forbearance for financial relief instead of less costly options. I was once not told a fee would be issued for a forbearance, I was made to understand that it would collect full interest while in forbearance only. Because of the fact i needed 1 month of payment relief, i believe is was deceived. Instead of deferment which i think would of benefited my situation i was forced into the costly forbearance for a 3 month period. This happened on 2 occasions, on the second occasion i was made aware of a fee is applied to forbearance. 

Navient has also changed their page design numerous times and it is confusing to navigate and pay loans.
Product: Credit card or prepaid card

On XX/XX/XXXX I had a {$2.00} charge. I experienced a problem with the companies app and my payment couldn't be processed properly. It was not applied in the way I expected and how I normally make all my payments on the app. I also did not know a payment was due. 

When I found out about it, I instantly paid it in full ( for {$3.00} XXXX on XX/XX/XXXX *see attached XXXX. It was an unfair late payment that was only for {$2.00}. I should have been notified in multiple ways with a paper statement or email etc. I should have been notified that my payment did not go through and confirm. 

I now have a tough time applying for credit cards, lines of credits, auto loans, etc. I've been a member since XXXX and the company will not help me with this unfair situation. 

Since then, I have always made on-time payments and I am in good standing with all my other credit card holders. I consistently pay and I have set up an automatic payments for the full statement balance, so that this doesn't happen again.
Product: Debt collection

Resurgent is attempting to collect a debt not owed. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report.
Product: Student loan

I was shocked when reviewing my credit report and found late payments on the dates below on all 4 of my loans with you : 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. Also, I called in XXXX and was told that my Student Loans were in Deferment for 6 more months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was 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 XXXX AND XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX, DISCOVER BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.
Product: Debt collection

CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.
Product: Mortgage

On XX/XX/XXXX, I made an on-line payment to Plaza Home Mortgage as an additional principal payment to my mortgage with a posting date of XX/XX/XXXX. On XX/XX/XXXX, I decided to cancel the payment. I attempted to cancel via the website but was unable. I called customer service and the agent stated that he was unable to cancel the payment as there is only a four hour window where I was able to cancel. 

In the past I had previous poor experiences with Plaza including, but not limited to, providing incorrect addresses for insurance billing which nearly resulted in my insurance being cancelled and not properly filing copies of my insurance which resulted in Plaza threatening to initiate a policy of their choosing, despite the fact that four copies of my insurance were previously provided. In my previous complaint, Plaza took no responsibility for their errors and even made hints that the problems were my fault.
Product: Credit reporting or other personal consumer reports

According to the FCRA ( 15 USC 1681b ) credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. The company XXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has not provided any validation of this debt to me. The company XXXXXXXX XXXX reportedly opened a account on XX/XX/XXXX without my knowledge or permission and has also failed to provide me with the validity of the debt.
Product: Checking or savings account

I was out of the country since XX/XX/2021 and could not return due to XXXX. When I returned a few weeks ago, I found out my bank XXXX no longer exists in American and I involuntarily banking with Citizens bank. I wasn't able to receive any notifications because the country that I was in block websites like XXXX and XXXX where I have my emails with. The bank product that Citizens assigned me without my consent is so awful, not only that no interest is given to me, they stole my money by charging me maintenance fees and service fees, while there was no service provided. The bank frozen my money, after I reactivate it, they only refunded a portion of the fees. I am at XXXX fault and I do not consent to any of the fees nor the account type that they assigned, but the bank just kept saying " this is bank policy '', and refuse to be fair and reasonable.