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

XXXX XXXX - this is not my account, I did not sign up for an account with this company, XXXX XXXX XXXX - this is not my account, XXXX XXXX - no mine wrong account number, XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX   XXXX  XXXX XXXX ) XXXX , XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX .. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first. The accounts do not belong to me, either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX, XXXX and TransUnion Consumer Solutions XXXX : Request for Removal of Birthdate and Social Security Number Due to Identity Theft Dear [ XXXX XXXX XXXX XXXX TransUnion ] Customer Support Team, I am writing to formally request the removal of my birthdate and Social Security number from my credit report due to concerns regarding identity theft and a recent data breach. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
The unauthorized exposure of my personal information has heightened my concern that keeping sensitive information, such as my birthdate and Social Security number, in my credit file poses further risks for potential misuse. To help safeguard my personal data, I kindly request that you remove my birthdate and Social Security number from my credit report. 
Enclosed, I have included documentation, including proof of my identity and relevant reports filed with the FTC, substantiating my identity theft concerns. 
Please confirm in writing once this information has been removed. For further inquiries, you may contact me at XXXX or via email at XXXX. 
Thank you for your prompt attention to this request. 
Sincerely, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

My account with 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 XX/XX/2021 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 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

Citibank decided to freeze my funds and Im not able to access them I been calling all day and they telling me they cant do anything to wait! I read they do this to a lot of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint againstXX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Mortgage

It all started in XXXX when our home was over assessed and increased taxes, which raised our mortgage payment considerably to between {$3300.00} and {$3400.00} per month in XXXX. Due to this and other bills, our monthly income fell short and eventually we started falling behind in the mortgage, which XXXX XXXX  ( the loan servicer at the time ) threatened us with foreclosure. So in XXXX we went to them to see if we could refinance and could not. They offered us a Loan Modification so we took that ; however, by the end of XXXX, we were still receiving foreclosure letters and I couldn't afford to lose the house when I was also taking care of my mother who was in her XXXX and XXXX so we filed for bankruptcy and included the house. This caused my check to be garnished for 5 years with a deduction of about {$1800.00} per pay period. So the mortgage continued to be paid by the Trustee of the Chapter XXXX bankruptcy. All arears were paid during that time and we have paid every month since this thing has ended. However, when the Loan Modification happened ( after paying 4 years on a 30 year fixed term at around 6.5 % ), our 30 year term turned in to a 44 year term when we had 26 years left, which is 18 years tacked on at 5 %. Now 4 years removed from the chapter XXXX, we tried to refinance but the {$50000.00} balloon that is tacked on to the end of this mortgage is a refinance problem. Instead of refinancing to lower our interest rate and monthly payment, the payment will be higher even with a lower interest rate. I did contact the loan servicer and asked if our interest rate could be lowered- they said no. I asked if we could refinance with them- they said no but did mention re-modification again but quickly said that they would not recommend it. 
The loan officer that we talked to when we called him about refinancing, suggested we contact you to see what could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance : {$26000.00}.
Product: Debt collection

In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment. 

The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment. 

Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment. 

After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ). 

I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount. 

In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties. 

I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XX/XX/2021 I sent letters to equifax as well as over the phone contact explaining to equifax that the XXXX consumer Auto loan information reported on my credit profile is fraud or error. I noticed that there report different information from XXXX
Product: Debt collection

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/AMAZON on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago from the lost of my purse along with my identification. And from that I'm now dealing with the issue at hand the misrepresentation of my credit files. The following accounts does not belong to me, therefore I'm demanding that they be removed and blocked from my credit files. 

1. XXXX XXXX  XXXX {$2300.00} 2. XXXX {$190.00} 3. XXXX XXXX XXXX {$100.00} 4. XXXX XXXX {$1000.00} 5. XXXX XXXX XXXX {$13000.00} 6. XXXX XXXX XXXX {$59.00} 7. XXXX XXXX 8. XXXX  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX Bank 11. XXXX  XXXX XXXX
Product: Vehicle loan or lease

I previously purchased a XXXX XXXX XXXX  through a company which my account was transferred to another company. During the process of being transferred, I was unable to make my payment on the online portal as I usually do. I could only view my amount. I had to go pay my bill to XXXX through bill pay which incurred a late fee due to not being able to get on the portal due to the transfer. I received a text few days later stating I had to call the company because my access one that transferred. I called the new company and verify the information that I received. I was given a different account number to make my future payments. During the conversation I emailed them new company the confirmation number form my prior company along with my recent confirmation that I made my payment. Days went by the new company stated they did t receive my payment. I resent the information back to them a second time. Since my account was setup on a biweekly schedule I was able to make my first payment through them on there web portal. My account have inaccurate charges due to the transfer I have my documentation from where my payment was made and a confirmation from my old lender stating my payment was successful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX VALIDATION AND CEASE AND DESIST LETTER WAS MAILED XXXX RESPONDED WITH A LETTERHEAD SHOWING INTEREST CHARGE CALCULATION AND A LETTER DATED XX/XX/XXXX MAILED TO AN ADDRESS IN XXXX. I THEN MAILED A SECOND LETTER XX/XX/XXXX STATING THE VALIDATION WAS INSUFFICIENT AND TO PROVIDE THE REQUIRED ORIGINAL CONTRACT OR LOAN AGREEMENT. THEY HAVE NOT RESPONDED BUT UPDATED THE BALANCE TO THE CREDIT BUREAU XX/XX/XXXX AND ALSO COMMENTED Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )
Product: Checking or savings account

Complaint filed concerning inability to transfer money from Wells Fargo to XXXX. Company claimed it was done or I could use their XXXX app. I once again reviewed all information and enrolled in text messaging, which was once again, for the 6th time, cancelled two days later. I do NOT wish to use the XXXX app, nor should I have to. The company lied concerning the reason it was not working. I* called this morning, asked to speak to a supervisor and was refused with them telling me they don't have any, which I find ridiculous on it's face. Meanwhile they are still not allowing me to transfer MY money
Product: Debt collection

Dear MACYS/CBNA XX/XX/2024 Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. 
This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes.

also 15 USC 6802, which is a section of the United States Code that relates to the Fair Credit Reporting Act. Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what First Point Collections Resource Opened : XX/XX/year> is reporting {$880.00} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by First Point Collections Resource, in direct violation of the FCRA. I have discovered that the First Point Collections Resource fraudulent account. I need proof of a wet signature of an application w/ First Point Collections Resource and proof this is a credit transaction w/ First Point Collections Resource ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. First Point Collections Resource accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Student loan

XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.
Product: Checking or savings account

I keep experiencing the following problem with Chase Bank. The problem has never been resolved and I'm very concerned about Chase 's banking integrity and confidentiality. 

XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 ; Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone I was unable to access my account via phone with my PIN # ( which I have been using for years ) ; the prompt told me to enter my complete Social Security Number ; which led to a live representative. 

At first the representatives said there was a system wide problem that didn't allow PIN # 's to access accounts. They told me this numerous times over the months. Then a supervisor told me the problem was unique only to my account, that they would create a case #, correct the problem on my account and contact me to confirm resolution within XXXX hours. I never received any communication, nor has the problem ever been resolved. 

I'm very concerned that this issue continues ; that I always have to use my complete Social Security Number to access my account ; and I'm concerned that the bank has never informed their clients that this problem exists.
Product: Credit reporting or other personal consumer reports

Experian is doing me a major disservice by reporting inquiries when I never gave authorization to them to share my information. These errors are affecting my ability to get business funding and these errors in reporting are not my fault, yet I am the one suffering from the consequences
Product: Credit card

I have always made my payments on time, and I am certain of this. What I am not sure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport, social security card and utility bill with my current address for your files.
Product: Checking or savings account

XXXX XXXX  was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX  /cbna, XXXX XXXX , XXXX XXXX. I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme XXXX  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I made a purchase for an international transfer with Worldremit.com Transaction # XXXX for the amount {$5000.00}. I never recieved my funds. XX/XX/2020 is when I sent the International transfer abroad. Still have not seen my money until this day.