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

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXXo15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

Dear Sir or Madam, I am writing to file a formal complaint against Machol & Janson LLC regarding their actions in relation to an alleged debt collection on behalf of the XXXX government. This complaint pertains to a series of incidents that have raised concerns about their practices, including potential fraud and harassment. 

I first encountered Machol & Janson LLC in XX/XX/2023, when they claimed to be representing the XXXX government in the collection of unpaid violations and liens. I was informed that the total amount owed had escalated to $ XXXX, despite my suspicions about the legitimacy of these claims. I took the following actions : 1. I contacted the XXXX government directly and paid all outstanding liens and violations online ( about {$600.00} ), as there was no record of any outstanding penalties or liens on their official website. 

2. I blocked the phone number associated with Machol & Janson LLC to prevent further harassment. 

3. Subsequently, Machol & Janson LLC continued to send numerous letters, all asserting that I owed them money. I remained vigilant and unresponsive. 

In XX/XX/2023, an individual appeared at my doorstep and served me with documents claiming to be a summons from the XXXX XXXX XXXX. This was the most alarming development, as I was unable to find any active case against me in the court records. 

Given the discrepancies between their claims and the official records from the XXXX government, I believe Machol & Janson LLC is engaged in fraudulent and harassing practices. They have misrepresented their authority, creating undue stress and inconvenience. 

I kindly request that you and the relevant department investigate this matter promptly. I believe Machol & Janson LLC 's actions are in violation of consumer protection laws, and their misrepresentation as a government entity is deeply concerning.

I am seeking the following actions : 1. An investigation into the practices of Machol & Janson LLC to determine if they are engaging in fraudulent debt collection and harassment. 

2. An official response confirming the authenticity of the summons they served, or assistance in addressing any illegitimate legal actions against me.

I sincerely appreciate your attention to this matter and the action taken to ensure that Machol & Janson LLC is held accountable for their actions, and no one will be deceived by their scams. Your prompt response and assistance in this matter will be greatly appreciated. 

Thank you for your time and consideration.

Sincerely, A US citizen
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. 

Delete the accounts below : - XXXX. XX/XX/XXXX. 
- XXXX  XXXX. XX/XX/XXXX. 
- XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXXXXXX XX/XX/XXXX. 
- XXXX XXXX  XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX  XXXX. XX/XX/XXXX. 
- XXXXXXXX XXXX. XX/XX/XXXX. 
- XXXX XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX. XX/XX/XXXX.
Product: Mortgage

Wells Fargo has added time and Almost 20k to my Mortgage. When I asked about these issues, I was told they didnt know and they had limited information. They sent me two loan mods that were done but it showed 3 years added, though they added 6. They can not tell me why my loan amount origination was modified to XXXX from XXXX. Please review the 3 pages uploaded and see the reversal of payments, and non-cash Principal adjustments. It added over 17k to my loan and Wells Fargo can not tell me why?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been the NUMEROUS request that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NEVADA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

this company has accounts that has been close on my account and some these accounts dont even have the merchant name or contact information. I want these accounts remove from my credit. I ca n't get a good job with these stuff on my credit. In addition some of these accounts have been solve by the merchants to this XXXX collection agency.
Product: Debt collection

XXXX XXXX is a property management company. The rent and utilities are entered into a ledger by company and tenant is required to pay balance within 10 days of notice in rental website. The amounts entered on the ledger were obviously NOT amounts of usage for utilities for rending of services for one person in a two bedroom duplex. The management would not prove the usage and demanded the ledger was correct. They issued an eviction notice for non-payment of the utilities and have never been late on rent. The court ordered no eviction and I did not pay the utilities that were not accurate. I still have not received any evidence that the utility charges were accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
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

I am writing you about several issues with my Truist accounts and they will not do anything about it. I want this escalated immediately and my funds credited back to me and resolved. First I had a line of credit and I liked it. I was making payments towards it. Reviewing my Checking Account # XXXX, Truist forced posted XXXX from my credit balance to checking account XXXX overdrawing it then forced closed it while taking {$260.00} I had in my other account which was food/rent money and all I had. It is still showing up on my online banking, accounts cant close with a balance. Who processed the force post and authorized that transfer my money {$260.00} from my other acct before charging it off!! Talk about adding insult to injury. That was my food money and you took it! I am furious with their poor customer service and how you have treated me and my accounts. It is a mess thanks to them, caused costly fees, late fees, declines and its almost like you are doing it out of spite or on purpose for no reason! They didn't provide solutions or even give me a chance. How can you force post a credit line balance to a deposit checking account? These are XXXX separate products and it is unethical the way you have done me and my accounts. I want my {$260.00} back, or you could at least accept {$50.00} payments until its paid off if I owed a PRINCIPAL balance, not bank JUNK BANK FEES. Is this how they treat all your customers? On top of that we got hit with Hurricane Helene and knocked our power out for 8 days and looks like Hurricane Milton is coming and will knock it out again. We lost our food due to the outage and you took the money I needed to replace it. Put yourself in MY SHOES, how would you feel??? Truist has unethical and XXXX  ways and my situation is proof. They are the worst bank in the US. Ever since the merger between my original bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, it has been one issue after another ... debit card quit working and changed my card number without my consent causing overdrafts, late fees and declines. ATMS quit working right and branches closed, rude employees or lack of support..Truist does not care about you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX OF XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7200.00}
Product: Checking or savings account

XX/XX/XXXX Received text from BMO bank that my check had cleared my account. 
XX/XX/XXXX Received another text about a cleared check. Since I had not written any more checks - I checked my account online. Two ( 2 ) Fraudulent checks had been processed on my account- I made copies of the checks. 
XX/XX/XXXX I called XXXX in am and informed them of the Two ( 2 ) Fraud checks. They took note of checks, put hold on my compromised account and told me to go to my local branch on Monday. 
XX/XX/XXXX Went to my BMO branch office here in XXXX XXXX, AZ. They took all my info, I gave them copies of Fraudulent checks. They opened me another checking account & also a new savings account. 
XXXX & XXXX XXXX - Many phone calls made to XXXX- they never let me talk directly to the Fraud Dept. They said that I had to go thru my branch office. My branch office sent Two ( 2 ) - Affidavit of Forged or Altered Checks Forms - XXXX and XXXX. 
XX/XX/XXXX The bank XXXX  out my new checking account - transferred $ to my old compromised account. 
XX/XX/XXXX They CLOSED my old, compromised account - SENT TO XXXX A TOTAL DUE of {$650.00}.
Product: Mortgage

Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Product: Debt collection

RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.
Product: Debt collection

I submit a Payment with XXXX for amount owed, payment was not reported to collection agency and its still showing negative on my credit report
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have over 20 inquiries on my report that are not authorized. 

Incorrect addresses and names. 

Unauthorized reports by Experian that are identity theft.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 The following inquiries were not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit reports I noticed my XXXX XXXX XXXX XXXXXXXX had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. The date open on the XXXX report says XX/XX/XXXX but on Experian, it says XX/XX/XXXX. Also, the date of the last activity also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED THIS TWICE TO DISPUTE TD BANK/TARGET ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS EQUIFAX AND XXXX COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.
Product: Student loan

I am a parent co-signer on a student loan my son  and I obtained with Wells Fargo in 2016. 

BOTTOM LINE - I was unable to obtain current balance information using the Wells Fargo on-line account access. When I phoned Wells Fargo student loan department, I learned that detailed information regarding this account is not available on-line until loan payments become due, after graduation. I also learned that Wells Fargo does not send out any account statement, either email nor mail while the student is attending school. The only way to obtain detailed information is to phone and ask. 

COMPLAINT - It is too difficult to obtain full disclosure of current account balance, interest rate and amount of interest being charge monthly. Therefore, we can not be adequately aware of the debt we are building. This is unacceptable and I wonder if it may even be either illegal or simply not compliant with applicable regulations. 


WHO I TALKED TO : I spoke with Wells Fargo student loan department. They answered promptly and provided professional, friendly service. No compliant there. What I was told is that, ( 1 ) account information is not available on-line for student loans until payments become due - so not available while attending school, and ( 2 ) statements are not mailed our or otherwise provided. I was also informed that I was not able to set-up recurring payments using the Wells Fargo web site but that I could set-up monthly payments through a bill pay. 

Seems to me that Wells Fargo is motivated to ensure borrowers do not realize the amount of student debt they are accumulating, nor to encourage responsible financial management such as paying interest while attending school. Rather, it appears to me that Well Fargo has their executives and share holders concerns above those of the borrowers whom they are here to serve.
Product: Credit reporting or other personal consumer reports

I have review a copy of my credit report and notice that I have a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit thank you.