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

IDENTITY THEFT STATEMENT Identity Theft Report # XXXX Dear : Experian, XXXX XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Product: Bank account or service

When I reviewed my bank of America checkings account today I noticed that the bank has been charging me Monthly Maintenance Fees for XXXX months now. I now realize they have a rule where a fee will be charged If I do not have at least XXXX qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my checkings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my mobile phone if you ever want to talk dont secretly keep charging me fees and take away my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XXXX XXXX 2018 Experian has on my credit report your statement in which I did not say in XXXX as that's there words. Experian has yet to provide proof of a charge off by XXXX XXXX showing {$770.00} written off I have attach a letter from XXXX XXXX showing there was or no money owed by XXXX XXXX. Experian has on my credit file {$770.00} written off with no documented proof from XXXX XXXX showing this balance or a charge off. MY NEXT ISSUE WILL BE LEGAL ACTION ON Experian FOR NO PROOF OR DOCUMENTS PROVEN WHATS STATED BY EXPERAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX balance and stated closed. I have disputed this account several times also since. No outcome
Product: Mortgage

XX/XX/XXXX Notice from DC for tax bill not paid for first half. Contacted XXXX XXXX XXXX, my loan servicing company. They asked to fax the bill with my loan number, which I did on XX/XX/XXXX. 

XX/XX/XXXX Notice from DC Notice of Delinquency and must pay by XX/XX/XXXX or my house would go to auction. 

XX/XX/XXXX contacted customer service, submitted documentation and was told someone would call back within 24 hours. No call back. 

XX/XX/XXXX called back and finally got escalated to a supervisor, XXXX XXXX. She again loaded the documents and " escalated the matter ''. She said it would be worked in 3-5 days. 

XX/XX/XXXX I spoke with XXXX XXXX again, still not resolved. 

XXXX XXXX XXXX has now missed three tax payments, this is clearly a violation of their responsibilities as my loan servicing agent. They are the ones that insist on the escrow but are putting my home at risk. What if I was out of town and didn't see this notice, I could lose my home. 

I must have action by XX/XX/XXXX to avoid my home from going to auction. Their failure to pay {$2800.00} in fines. I can pay this but I will then have to sue them to get it back. This is plain incompetence that has caused me tremendous stress and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Credit reporting or other personal consumer reports

MOHELA is reporting fraudulent amounts of money and information to my credit report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. 

I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. 

Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than seven years old. This hasn't been followed in my case. 

Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private.

Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXXXX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$330.00}
Product: Debt collection

Ive been in contact with this company over the last month over an amount that is incorrect and untrue. The company had initially agreed in my favor and assured that the debt would be removed from my report, after me sending multiple receipts and emails to and from the apartment complex in which the false debt originated. The company instructed me to call back in two weeks to verify removal. After two weeks I called back and have been getting the run around ever since. Each week there is another excuse, while my debt increases due to interest and my score decreases. Ive contacted the credit bureaus but that has done me no good because they just contact the sketchy collection agency who ignores the issue. Even after speaking with the manager Ive received rude and unanswered responses. It seems like they are just money hungry and are ignoring my proof that the money is not owed after ledgers and email receipts have been sent and received. At this point Im lost and dont know what to do. This false information is preventing me from moving on and creating a future and possibly buying a home. The amount they say is owed is for one months rent that is on the ledger as paid for XX/XX/2023, and is steady increasing which now is in the amount of $ XXXXThe original problem stems from the apartment complex themselves, after they themselves moved me to a second apartment due to multiple animal entrances from failure to close holes from the outside to the inside of my home. The manager gladly offered to move to from one apartment to another free of charge. The issue was XX/XX/2023. Once moved, I paid XXXX rent for the second apartment they moved me to. Out of nowhere another XXXX charge got added to my ledger. I was never informed that I was have to pay XXXX TWICE for two months after being offered to be transferred apartments, due to their mishap. Once I brought the issue up to management, the charge was removed, and again the ledger for XXXX rent stated paid. Once I moved out entirely from the apartment complex, they filed for collections of the first apartments rent for XXXX which was originally taken care of. After discussing and providing multiple implications of proof, of these transactions and interactions, which the collection agency is now in charge of, Im still getting the run around and the charge is steadily increases on my report. After speaking with the manager at genesis credit management collections llc, he stated that he doesnt know why Im making it such a big deal and where is my logic. Again I dont know where to go, who to talk to or what to do, because the collections agency is obviously just after the money even after siding with me and promising me removal from my report.
Product: Debt collection

I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.
Product: Credit card or prepaid card

XX/XX/23 Chime card was stolen the day previously a charge for XXXX was posted I disputed it and they barely investigated and then denied my dispute stating they felt nothing happened when it's obvious by spending pattern that my card was stolen XX/XX/23 Charges added up to XXXX dispute was denied without any further investigation XX/XX/23 Account was compromised charge for XXXX posted card was reported and charge was. Disputed and denied without any reason or further investigation XX/XX/23 Charge was made for XXXX card was reported and account was compromised dispute was denied without any further information XX/XX/23 Direct deposit total 0f XXXX was posted account was compromised and money got spent I was in XXXX  this day someone reordered my card it was approved I called the agency and they refused to investigate further Further more transactions continued to post and cards kept getting reordered I kept calling in to tell them what was. Going on then I got locked out of my account and currently have no access and till this day transactions are steady posting to my account my whole last direct deposit from My job got spent a total of XXXX dollars was stolen and then I had another chime member send me a total of XXXX and it was stolen a total of XXXX dollars and nothing is being done I have XXXX and XXXX and I can't afford my medication I'm supposed to get paid again on XX/XX/23 and have no access to my account the institution requires physical identification which I have to PURCHASE but without ACCESS TO MY FUNDS I CANT BUY ANYTHING steady denying disputes and allowing my money to be stolen is unacceptable
Product: Credit reporting or other personal consumer reports

I did not authorize Wells Fargo Credit Services to run my credit.
Product: Mortgage

-Refuse to modify or consider me for a loan modification. 
-Claim that XXXX XXXX  is the owner of the Note but XXXX XXXX  Denied ownership. 
-Mr. Cooper Claim they have the right to forclose but have not shown proof of that right. 
-A ledger from inception of the loan have not been provided as requested
Product: Credit reporting

I have disputed the accounts as being fraudulent and not mine or opened by me. They refuse to remove the accounts from my credit file or remove them only to re add them later.
Product: Checking or savings account

I pay for this software called XXXX. I want the wire module enabled in XXXX. The bank has a representative ( Name : XXXX XXXX ) email or call you to enable the module. however, the officer refuses to contact me. I am forced to constantly call them every single day until one person agrees to work on my issue. For example, to get the ACH version of XXXX  all they needed to do was email me a form to sign. XXXX refused to send me the form for over a week. After I signed the form, all she had to do was click a single button to enable the wire module. She still refuses to click that button. I've been stuck paying for webcash for an entire month while being unable to access any of the features. Complaint number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with XXXX for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Product: Debt collection

XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.
Product: Debt collection

THE COMPANY AMERICOLLECT INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Mortgage

My loan is being serviced by Shellpoint Mortgage Servicing. During the brief time this company has been a serviced by Shellpoint, I have experienced nothing but difficulty.

My username and login will not work on their website, so I can not set up autopay. I opened numerous support tickets, but have gotten no resolution.

I sent in all of the Insurance data as requested, they did not record it, I e-mailed it in 3 different time as directed, with no response. I also tried using their automated insurance collection system, but they did not receive that either, this was only resolved after I called and practically forced the unhelpful woman on the phone to record it, then send me a confirmation e mail before we got off the line. 

This company makes paying your mortgage incredibly difficult, tried to initiate a lender placed homeowners policy even though I had used every available method multiple times to submit my policy, sent numerous threatening letters during this process. 

Please look into their processes, it is not fair that people have to deal with this level of incompetence when trying to service a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  stated that I have a debt of {$1200.00} and it was first delinquent on XX/XX/XXXX. This is incorrect as I have never had a relationship or business with them nor have I ever heard of them in any form or way. I just saw it in my credit report in XXXX for the first time when I receive my credit. I was not in the US and had no credit, this is the first I ever got any credit or even a report so how could that have been me. My credit should be clear and clean as this is the first Im generating anything. I did file a dispute with Equifax but they are saying today XX/XX/XXXX the report is accurate and verified. How could it be when this is fraud and someone is using my information. 
I am requesting that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay. This is completely false and is fraud as this is not me. This is a violation of the FCRA & FDCPA therefore it must be deleted from my credit report.

In addition there are two hard inquiries that I did not authorize and they need to be removed. It was not me, my information is being used.
Product: Credit reporting or other personal consumer reports

I am having issues with IQ Data International License # XXXX. They are reporting inaccurate information on my credit report that is severely hurting my credit. I asked several times to remove this inaccurate information and they still refused. I also researched this company and found they have no license to operate in my state of Texas. 

I also asked XXXX to investigate and they replied with a generic response that they did the investigation and the information was accurate. However, this company is not even licensed to collect debt in Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently having an issue with XXXX, Experian and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-XXXX  XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX  ACCT NO XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.
Product: Credit card

There was a disputed account that was resolved in my favor. However, it seems the closed the account, reopened the account, resolved the dispute in my favor, but there are still trail charges ( fees/late charges/interest/etc. ) that is still lingering against a fully disputed and resolved amount that keeps resurrecting the account.

The told me this would be resolved, but their resolutions are not keeping pace with the speed of the fees being charged against fees and the departments are not pausing the charges. 

The accounts are all closed and are all resolved disputes in my favor, but their fees are triggering news fees against an initial dollar amount of XXXX. Only really financial transactions are from the company triggered automated fees. 

It is feedback loop that won't stop. 

This has been going on since late XXXX.
Product: Credit reporting

Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.