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

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX ACCOUNT NUMBER AMOUNT XXXX XXXX XXXX {$630.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX I XXXX {$270.00} XXXX XXXX XXXX I XXXX {$640.00} Totals {$4200.00} EQUIFAX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$490.00} XXXX XXXX XXXX XXXX {$790.00} No Name XXXX {$120.00} No Name XXXX {$640.00} No Name XXXX {$270.00} Totals {$2900.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$640.00} Totals XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed and noticed I had a fraudulent account on my credit report namely XXXX XXXX # XXXX opened on XX/XX/XXXX, XXXX filed my first dispute with the CFPB case # XXXX the item was deleted on XX/XX/XXXX XXXX. I reviewed my credit report again and noticed it reappeared again!!! I filed my second dispute with the CFPB on XX/XX/XXXX XXXX case # XXXX the item came back as verified!!! TRANSUNION failed to investigate my dispute .TRANSUINON reinstated previously deleted errors bank on my credit report. TRANSUNION failed to block IDENTITY THEFT information .TRANSUNION shared inaccurate about me to lenders.
Product: Checking or savings account

I am writing to express a complaint regarding a claim. On Saturday, XXXX XXXX, 2021, I visited the Bank of America ATM, located in XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX, and made a deposit of {$7000.00} at XXXX p.m. The {$7000.00} were brought from my home country, and this amount was less than {$10000.00}, so I did not have to report it at the airport customs. The ATM machine only processed {$300.00} and kept the rest of the money inside the machine. The ATM gave me a receipt, apologizing for the inconvenience, saying an issue record was created and attached to my transaction, which acknowledges that the ATM was problematic. I immediately called the bank and filed a claim. 

After many efforts of escalating the claim, I received the provisional credit. I called the claim department numerous times, but no one was updating me with information. I visited the Bank of America XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with Relationship Banker XXXX XXXX, who reassured me my problem was going to be resolved. She also told me that the specific ATM is balanced twice or three times a week, so it was not normal for me to have waited more than 40 days for my claim to be resolved. 

Once my claim was resolved, my claim amount was adjusted to {$4400.00}, instead of {$6700.00}, which is the amount of money the Bank of America ATM owes me. I called the claims department at XXXX as indicated by the claim resolution letter to request copies of the documents Bank of America used to make this decision, but I was told there were no documents on my claim by XXXX, ID number : XXXX Therefore, I am kindly requesting Bank of America to adjust my claim amount to the initial amount of {$6700.00}. My bank accounts have been closed because I am moving to a different country, but I still need to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these 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
Product: Debt collection

They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! 
Constant harassment!!! 
Im also filling a complaint with the District Attorneys Office!!!
Product: Mortgage

Company representative baited and switched me into a negative amortizing loan from a standard mortgage with better terms. 
Company force placed unnecessary insurance on me, deducting the premium from my mortgage payment and accelerated after 3 months without providing cure notices or any other notice to me. 
Company directed all my following payments into I black hole escrow account from which my funds were never recovered or directed to mortgage. 
Company denied me court orders " XXXXXXXX XXXX XXXX '' loan modification from pick-a-pay settlement by constantly requesting " current document '' over and over, claiming the previous documents were now out of date, again and again. 
Company claims footing to service my loan on faulty documents. 
Attached is a forensic analysis of the foundational document Wells provided in court to establish their footing to move against me in court and service my loan. The conveyance document is clearly fake.
Product: Credit reporting or other personal consumer reports

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if XXXX decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with English as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue chase if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.
Product: Debt collection

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024 and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.
Product: Credit card

I signed up for   XXXX   XXXX   XXXX   XXXX   a few months ago because they waived the {$990.00} annual fee because I 'm currently on  XXXX   XXXX  in the  XXXX   XXXX . On    XXXX   XXXX   XXXX  ,  they sent me the attached letter which states that they will no longer waive the annual fee and that my annual fee is scheduled to be assessed on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I was charged the {$990.00} annual fee. The phone number they provided on the letter was to a voicemail which they said calls would be returned in 2 days. I called their regular customer support number and was able to talk to a representative. She stated that they will review the situation and contact me in the next few weeks.
Product: Mortgage

I received My paid off statement in the amount of over one million That does not even include the forbearance amount of {$60000.00} I am requesting the pay-off amount be lowered to the original amount of the note that I signed in XX/XX/XXXX. As you are fully aware this was one of those negative amortization loans that will never be paid off. I have paid my monthly mortgage like clockwork regardless of my hardship during the recession for over 10 years. I have my payment history to supply verification of this fact. My loan was paid on time when I was with XXXX XXXX, regardless of the federal and state lending violations by XXXX XXXX, including unfair business practices and time wasted on bad faith loan modification offers that never materialized. As a result, I filed a lawsuit against XXXX in XXXX of XXXX.Unfortunately, I had to name Select Portfolio Services in the lawsuit. I am providing you with a copy of that lawsuit that was settled with your attorney XXXX prior to going to trial. I am providing you with a copy of all the documentation for your review that clearly authenticates all of the unfair business practices, misrepresentations, refusing to accept payments without any reasonable explanation, fraudulent concealment, violation of the Fair Credit Reporting Act and negligence by XXXX XXXX for the past 10 to 12 years. I have all my copies
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. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Debt collection

Someone impersonating a Wells Fargo collection department is contacting us to collect {$36000.00} from XXXX XXXX XXXX. 
It looks to be one of our XXXX  XXXX XXXX  but we have not ordered anything in that amount and are up to date with our payments. 
Our company name is incorrect on the invoice and the number that says to call about your account is XXXX, XXXX XXXX XXXX Who looks to live in the XXXX via XXXX.
Product: Debt collection

Messerli & Kramer PA called me at my office at XXXX CT on XX/XX/2019 about a collection account owed by my wife. At no time had my wife authorized that number to be used, and I most definitely had not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this debt on my consumer report. The information that is being furnished to the consumer reporting agencies is incorrect. I have submitted my state ID and a copy of my social security card to the consumer reporting agencies and they are still relying on and furnishing incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX : Equifax Creditor/Furnisher : Incorrect personal information Bureau : Equifax Creditor/Furnisher : Incorrect personal information Bureau XXXX Equifax Creditor/Furnisher : XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX  XXXX XXXX Bureau : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX Bureau XXXX Equifax Creditor/Furnisher : Incorrect personal information Bureau : Equifax Creditor/Furnisher XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher : XXXX XXXX XXXX Bureau : Equifax Creditor/Furnisher XXXX XXXX XXXX XXXX XXXX XXXX Equifax Creditor/Furnisher XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off my XXXX credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through Experian and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with XXXX. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So XXXX is telling me I'm a liar and Experian doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line
Product: Credit reporting, credit repair services, or other personal consumer reports

My file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a representative at capital one and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of 2021. I was experiencing XXXX  and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that capital one honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX/XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$460.00} XXXX XXXXXXXX XXXX  : {$460.00} XXXX XXXX XXXX  : {$860.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$88.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$86.00} XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX XXXX  : {$88.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of identity theft while living in XXXX, Virginia. On or around this time, an account was opened in my name with a company called DUVERA. This original loan amount was {$2400.00}, and has now climbed up to {$7600.00}. I didn't notice this account until it came up on my credit report. After I was aware of this fraudulent account, I called the credit reporting agency and was told to contact the company at the number listed in the credit report, which I did. This was after I disputed the account with XXXX. They argued with me that the account was in fact mine and there was nothing I could do but pay for this account that I have no knowledge of. At this point, I have done everything that I know to do and i still have this on my credit report. Any assistance that you could give would be greatly appreciated.
Product: Debt collection

National Credit Adjusters has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX XXXX XXXX XXXX. I XXXX this company and it looks to be some pay day loan company. I have never done any business with XXXX XXXX XXXX as I've never received a payday loan before. I've sent this company certified letters via USPS and tracking numbers to prove they received them. I've asked them to cease all collection efforts on 3 occasions.
Product: Debt collection

Someone got my information when I was a child and open an account with XXXX at the time I was a child and knows nothing about this until I received this mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has ignored again this pertains to a Federal law violation of unlawful HIPPA non disclosure and after several disputes still completely ignore it.

I am going to sue each of you for your violations.

Watch.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the Comenity Bank & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) Comenity Bank XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) Comenity Bank XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXXXXXX XXXXXXXX Card   XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.