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

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4800.00} XXXX XXXX account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Product: Debt collection

TD Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This company has repeatedly contacted me after I referred them to my attorney. The last time they called was XX/XX/2018 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to any inquiries on my consumer report
Product: Debt collection

XX/XX/XXXX RE : Best Buy Account # XXXX, which Citi illegally sold to XXXX XXXX XXXX / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) Citis debt collector, XXXX XXXX XXXX DBA XXXX, is unlawfully attempting to collect on a phantom debt which Citi illegally sold to XXXX XXXX. Citi is ultimately liable for the conduct of its agents. I ask that Citi immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. XXXX XXXX XXXX filed lawsuit around XX/XX/2017 but provided no validation of the debt showing why it claimed I owed any money to it.

Citi illegally sold the debt to XXXX XXXX XXXX, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

XXXX is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. Citi and XXXX XXXX also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and XXXX XXXX refuse to give me a complete copy of my financial records and the entire file related to the account.

Citis conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, Citi should be held in contempt and sanctioned.

I informed Citi and XXXX XXXX XXXX of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

addresses not mine 

accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu
XXXX  us dept of education
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.
Product: Mortgage

Currently hold a mortgage with Freedom Mortgage. The mortgage is and has always been in good standing. I was looking to refinance to eliminate Mortgage Insurance. I called Freedom on XX/XX/2020 to start the refinance process. 

On XX/XX/2020, I received an email that there was a lien on my property, as a result of a business transaction. Within the email I was told that I needed to hire an attorney, which they referred, to file a Homestead Affidavit as Release of Lien. Once filed we could then proceed with the closing. 

I hired XXXX XXXX for the task and the affidavit was filed with XXXX XXXX on XX/XX/2020. A copy of the filed affidavit was sent to Freedom Mortgage and XXXX XXXX XXXX. 

Since then despite my repeated attempts to obtain a status nothing has been forthcoming from Freedom. XXXX XXXX, my original contact, told me that he was re-assigned and no longer handled mortgages. The person he referred me to, told me that she was not handling my case. 

On XX/XX/2020 I sent a letter via email to XXXX XXXX, detailing my experience with Freedom. No response. On XX/XX/2020 I Certified Mail the same letter to XXXX XXXX. It was received and signed for on XX/XX/2020. No response through date. 

I have spent almost {$1300.00} between legal fees and appraisal costs. I would like a response as to why we have not proceeded with the refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Debt collection

I never used this gym, XXXX XXXX and am not responsible for this debt. 

Under the 15 USC 1692 C law, this collection agency did not have prior consent from me for this debt.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a XXXX XXXX XXXX data breach, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquiries and accounts ... XXXX also attached supporting documents. 

Fraudulent Inquiries and Date of the inquiry XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today XX/XX/2018 XXXX a debt collector called me repeatedly 18 times in a row. XXXX never leaving voice mails just constant calling while Im at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # 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 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 or 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, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Checking or savings account

I can not access my account. The login page is not working and keeps recycling me out. When I can get in it appears that there is a XXXX balance but there was money in there yesterday. Then I get booted out of the account again. So I am unable to access my money or pay bills. 

I am trying to get in touch with them and they are not responding.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to login into my account, I was locked out. My password was changed. I called Bluebird and was informed to change password and sent a new card. Only to discover my account was wiped out of {$2300.00}. The money was sent to some person I have never heard. They stated they would have to investigate. Fine, after the investigation they denied and insisted I must have completed this transaction which is completely not true. On XX/XX/XXXX I called back for answers, When asked, the fraud supervisor what steps were used to investigate he stated he does not know. When ask which information or documents were used he stated he did not know. I don't believe they truly investigated. They would know I did not do this they didn't even know where the money was picked up or sent. They never checked the location where the transaction was completed when logged in, or try to find out anything about the person who's name the money was sent to. I have never even heard of this person. The money transfer service stated the store was located in New York I don't know anyone in New York. They are basically trying to tell me Im just out of my money how is this even right?
Product: Debt collection

www.netcredit.com sends me email weekly saying I owe them {$8100.00}. I have asked them to provide proof of the debt. The provided information which was disclosed in several identify thief situation I have been involved for the last 10 years to include Working for the XXXX, data was stolen due to an unsecured computer ( 16 years employed ) XXXX XXXX, XXXX medical records were stolen ( 12 years in the XXXX XXXX ) XXXX lost data. I was with them for 10 years XXXX XXXX XXXX. I work there for 7 years XXXX data breach my credit information was stolen. 

They were not able to provide me with the bank this money was deposited into. 

Please have them stop contacting me regarding this loan as it is not mine. I retired from 35 years of federal service in XX/XX/XXXX. This loan was taken out in XXXX. I had no need for a loan during this time as I was getting a government pension, social security and VA disablity. I also own a XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

several accounts on my credit report that are inaccurately reported by TransUnion. These inaccuracies are adversely affecting my credit score and financial well-being. 

The following accounts are currently being reported inaccurately : XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. 
XXXX XXXX XXXX XXXX : - Inaccuracy : This account is reporting inaccurate. Late payments need to be removed for XXXX, XXXX, and XXXX of 2017. Update to PAID AS AGREED. 
I am formally disputing these inaccuracies and requesting a thorough investigation into the reporting of these accounts. 

I kindly request that TransUnion investigate these matters promptly and provide me with a timeline for resolution.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check to Chase bank to be placed in my landlords account for our XXXX rent payment. The check was for {$1800.00}. This check cleared our account and the image of the check we received has a stamp from Chase bank showing they processed the check. 
The funds from this check did not reach my landlords account, but the money has been removed from mine. 
I have been in contact with Chase bank on two separate days XX/XX/XXXX and XX/XX/XXXX. They insist that this is not their problem and refuse to talk with me further about this problem. 
My landlord has also been in contact with Chase bank, and they have not provided him with a solution to this problem either. 
So now he does not have our rent money, but the rent money is gone from my account. He has provided images of his own account showing there is nothing there. 
I have also talked with my bank on the XXXX and XXXX of XXXX about this problem. They tell me that since the funds have officially cleared and there is clear evidence that Chase has withdrawn the money, there is nothing more they can do on their end.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>
Product: Debt collection

I sent a validation goodwill letter to both XXXX & Capital originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor XXXX and Capitol One and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX  sent me an update in which they changed only in regards to XXXX not Capitol One, but XXXX and XXXX did not update anything. I received a letter from Capitol One and XXXX stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from XXXX verifying my personal information and Capitol one requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us, I think, to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX
Product: Credit card or prepaid card

Discover Card sent a promo email saying that they would issue a {$45.00} credit for purchasing a XXXX XXXX XXXX membership, and that the credit would be issued within three billing cycles. However, after 4-5 billing cycles, the credit has not been issued.
Product: Vehicle loan or lease

I was having some financial difficulties paying my auto loan. I fell XXXX payments behind. Wells Fargo sent me a notice regarding repossession of the vehicle if I did not make the XXXX payments. I made a call to make an arrangement to bring the account current in the amount of XXXX. I was advised on the call that I had late fees as well in the amount of XXXX which totaled out to XXXX. I requested for the past due payment of XXXX to process on XX/XX/2023. After going over the detail with my family I decided to call back on XX/XX/XXXX cancel the XXXX pending payments for the XXXX. 

I requested a XXXX month deferment on a different call on XX/XX/2023 and was granted the deferment by the banker. I was under the impression from the prior calls that the previous payments were cancelled. As on the call I tried to set up another payment with him and he said I had a payment in the amount of XXXX already set up. Which I was confused because prior I asked for them to be removed. However I advised we could still keep the payment of XXXX, I placed that amount in my bank and when it was time for the payment to come out they drafted XXXX instead which caused my account to go into the negative and accrue fees etc. 

Now when I call wells Fargo on XXXX separate occasions their rude staff did not provide me details and said they would review the call and get back to me. Now I receive this contradictory letter that was poorly typed which basically says I called, I cancelled, I was approved for a deferment, and that on the last call which should have been the only and final agreement that the banker told me there was a check set up for XXXX and he never mentioned the XXXX and when I checked my wells Fargo auto account it said the exact same. 

I am sick and tired of how these financial institutions take advantage of consumers when they are having difficulties this is not right.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX, XXXX Regular XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX {$0.00} Late/Open XXXX  XXXX XXXX Date opened XX/XX/XXXX {$40.00} Late/Open XXXX XXXX XXXX Date opened XX/XX/XXXX {$33000.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX {$4.00} XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX {$330.00} Late/Open