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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX XX/XX/2023 I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, Birth certificate, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Georgia, XXXX XX/XX/2023 TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name-US BKPT CT NC XXXX- Account XXXX XXXX Account Name-XXXX XXXX XXXX- Account XXXX XXXX Account Name-U.S. Bankruptcy Court- Account number- XXXX XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My former bank, which was Bank of America, chose to close my bank account without my permission when a fraud took place withy bank account. I applied for a loan and the so called on line loan company called themselves XXXX XXXX, went into my bank account without my permission and turn my paid bills back into credits, pretending that they were me. Bank of America did not call me when this happened. I thought that the so called loan company put money into my bank but they turned bills that I had already paid, credited back to my account. Underminedly, then ask me to send them what I didn't need. They said that they put {$2000.00} in my bank account but was falsely done, and I only requested {$500.00} from the loan company, thinking that they were legit. Meanwhile, Bank of America closed my account without discussing what happened to me, the fraud and treated me disrepectful when I tried to find out why they were closing my bank account. And then when I finally found out that I was scammed, Bank of America offered no help for me nor did anything in my behalf to recover my funds. Because the scammers told me to buy {$1500.00} worth of XXXX  cards and send the the numbers off the back of the card. I thought it was quite unsual but people are always doing something new so I thought that it was legit. Come to find out that I was sending them my own money and it wasn't a loan. XXXX XXXX didn't ever put any funds in my bank account. Because I spent the money, Bank of America kept my widower 's pension and one my work paycheck 's to recover what was lost or stolen from my account. Those checks were directly deposited to my bank and because of that, I could not pay my rent, car note, electric bill nor any of my other bills for this month. I'm further behind in debt before I tried to get this loan from XXXX XXXX, Mr. XXXX XXXX, he said his name was, their phone number that they used was ( XXXX ) XXXX. I have learned a valuable lesson not to apply for a loan online anymore.
Product: Checking or savings account

Wells Fargo excessively charged me bank over draft fees
Product: Credit reporting or other personal consumer reports

I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately.

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not my account XXXX {$3500.00} Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account opened was opened due to identity theft. I've sent the company a FTC report along with a police report but they still have yet to block the information off of my credit file and report. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

Mortgage Loan No. XXXX Property Address : XXXX XXXX XXXX, XXXX, NY XXXX I previously complained about how Wells Fargo was handling my modification request. It took Wells Fargo several MONTHS in order to investigate the handling of my request. I am hoping that someone will INVESTIGATE this mortgage company. I was informed that my husband was required to submit his financial information in order to be considered for a loan modification. I was informed by Ms. XXXX XXXX on XX/XX/2019 that I had until XX/XX/2019 to provide such information. I have been contacting Wells Fargo for months asking them to provide me with a modification as I was able to make payments IMMEDIATELY. Because of the delay I am now well over 6 months in arrears and now will either need to go into foreclosure or bankruptcy to save my home. Wells Fargo is corrupt organization more willing to put someone in a dire situation rather than save their home.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> there was a nationwide data breach to Social Security. This data breach affected over XXXX XXXX United States citizens personal information such as email, residental home address, social security numbers were leaked and much more such as my inforation was included. 

The action taken is that I have file an Identity Theft report with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. On several occasions I have contacted TransUnion requesting they remove outdated information from my credit report. The outdated information consists of late payments made on my student loans. As a XXXX XXXX XXXX XXXX veteran my student loan debt was forgiven in 2014. It is my understanding that the subject information should have been removed seven years from date of my loan forgiveness. However, TransUnion has not yet removed the information from my credit report even though I have requested that they do so.My lates attempt to have this outdated information removed from my credit report was approximately three weeks ago. As of today, the subject information is still being reported by TransUnion. No other credit reporting agency is reporting this outdated information.
Product: Credit reporting or other personal consumer reports

The FOR PROFIT credit reporting agencies are reporting data from a YEARS OLD XXXX XXXX account # XXXX WITHOUT MY CONSENT, along with inaccurate payment data. This account was NEVER in collections. Regardless if it was or was not, I never gave written ( hand or electronic ) consent for this account to be included on MY consumer credit report. They continue to deny my requests for deletion citing meets FCRA requirements. Just based off of 1681 602A they ARE NOT meeting the CONGRESS WRITTEN REQUIREMENT, amongst others : 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681B states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I DEMAND this OLD XXXX XXXX account be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Credit reporting or other personal consumer reports

I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly. 

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXX was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX. Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a thousand dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score. 

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Please delete these inquires XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was reported to XXXX  by Bank of America on XX/XX/2017 for check fraud. What happened is that a check I deposited was given to be during a sale of a keyboard on XXXX was reported as fraudulent. I had nothing to do with it and did not know the check was fraudulent. The check was for {$500.00} and the {$500.00} was removed from my account when it was reported. I never took any money. Since then I have not been able to open a checking account and have been working around it until now. I have no way to deposit checks and I finally know who to contact.
Product: Debt collection

Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. 

Thank you.
Product: Debt collection

I received three calls on XX/XX/2018 they all say UNKNOWN NAME XXXX, MD. A message was left for me saying this is an attempt to collect a debt. They have been calling me for weeks and never left a message until yesterday.
Product: Credit reporting or other personal consumer reports

I checked my credit report and looked on my soft pulls. Portfolio Recovery is spamming soft pulls. I do not have any account with them on my credit report or authorized this company. Why would they be doing that? 

PORTFOLIO RECOV ASSOC Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why the heck is Portfolio Recovery doing Soft pull spams on my account? 
A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ).

If the debt collector does not have active collection authority on a debt of the consumer, they have no permissilbe purpose. 
The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report.

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX  XXXX Auto Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

I am a victim of tXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Mortgage

I applied for a home loan in XXXX 2020 and was preapproved. In mid XXXX I had the inspection and appraisal completed on the house and then my loan went into underwriting. We were scheduled to close on the house on XX/XX/XXXX but my lender said they needed an additional 3 weeks. We moved the closing date to XX/XX/XXXX. For weeks on end, my realtor and myself reached out to the lenders I was working with about 10 times  asking for updates, to which we were continuously told there were none and they would keep us updated. I asked to speak to supervisors and was told Id get their information later but never did. Finally on XX/XX/XXXX I was notified by my realtor ( not even the lender at first ) that my loan was no longer approved due to my student loans changing over the past few months, which is untrue because they have not changed at all. If anything I am in better standing than I was before. I feel like this company completely scammed me out of my money that I paid for the inspection, appraisal, and earnest payment ( total {$2300.00} ) and Id like my money returned back to me. This has honestly been a complete nightmare working with this company and I am just hoping they can make things right.
Product: Debt collection

A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.
Product: Checking or savings account

I have 2 fraudulent charges saying reversal XXXX XXXX for {$460.00} which overdrafted my account. When i reached out to chase bank fraud department they told me there was nothing they could do and that they had received a phone call with someone who had access to my information and personal details to pass the security questions. Chase bank would not give me more specific details and Chase bank told me to contact XXXX XXXX to dispute the charges.
Product: Checking or savings account

I am ka victim of long time identify theft Fraud and all money 's stolen out of my Chase bank account for years finally leaving me penilesd as I tried to dispute all fraud and bills included in only one chapter XXXX in XX/XX/XXXX no chapter XXXX  was ever followed thru yet it's continually reported. Chase never got my money back I paid an extra 2 payments on my car but they said they did not receive them and repossessed my car when I only had 1 late payment after a breaking in entering my home all monies stolen valuables and property damage terrible insurance company looking to find a way to deny my claim not right I've been a fraud victim I've also had 3 mortgages put in my name each on for {$670000.00} thousand dollars and 2 are grad allowed by my mortgage company who denied then yet in 2  we're taking me to foreclosure and the one mortgage I do have with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX have increased the amount it's completely wrong I need help before they sell my home my phone had to be changed 3 new cell phone 3 computers broken a printer and electricity in the home XXXX XXXX XXXX XXXX XXXX nv XXXX please help me before I lose everything I've worked for I have 2 police reports 16 affidavits of all this. I thought I would be XXXX  when I heard 2 ex roommates say " let 's do whatever it takes to get rid of her and we'll take the house. I was unaware they knew one another they broke in entered destroyed property their names are XXXX XXXX. XXXX and XXXX XXXX XXXX I'm petrified all the time so please investigate bank Chase and XXXX XXXX XXXX   they after XXXX took 10 years off my loan then doubled it they too want to get me to not be able to keep my home I've been in since XX/XX/XXXX please investigate that modified loan not fair harsh not manageable that's why I got roommates because of doubled mortgage thank you for anything you can do I'm also XXXX XXXX XXXX 19 hospitalizations so I need the 10 years back on my mortgage and monthly lowered if u can help if appreciate it very much Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXXXXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  {$22000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.