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

XXXX XXXX Account Number : XXXX is reporting 1 late payment ( XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  Account Number : XXXX is reporting 3 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX AUTO Account Number : XXXX is reporting XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) According to 15 U.S.C 1681 section 602, it states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States : a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I did not provide written instructions to any reporting agency in regards to furnishing any of my account information. I did not provide written permission to any financial institution to provide my account information with any third party. All the information mentioned above that is being furnished on my credit report is in direct violation of my rights.
Product: Credit reporting or other personal consumer reports

There have been multiple companies pulling my credit report and submitting applications under my name that I do not recognize or authorize. These fraudulent inquiries are alarming. I reached out to TransUnion, and a representative assured me they would be removed from my report, but they are still showing up. This ongoing issue is causing unnecessary stress and impacting my financial peace of mind.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint with utmost certainty and deep frustration, as there are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, hindering my ability to achieve financial freedom and stability.
Product: Debt collection

Account #  XXXX   XXXX   XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in  XXXX   XXXX    XXXX    XXXX  in the amount of {$53.00} that was reported on all  XXXX  credit bureau reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

It appears that XXXX XXXX has sold an account to XXXX XXXX  the account number is not listed but shows in the amount of {$200.00} I have never had a account with XXXX XXXX I am XXXX XXXX XXXX and have lived in my home for over 40 years and have never had an account with XXXX XXXX or XXXX XXXX, they are reporting this inaccurate information on my credit report which is tanking my score.
Product: Debt collection

A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.
Product: Debt collection

Conn 's continues to call my phone back to back after I gave an verbal request no to call me. They call ever hour two and three times an hour repeatly. I already had an issue last month where they submitted an unauthorized payment through my checking account, and at that I requested not to be called but they continue to call.
Product: Debt collection

Zion debt holdings continues to report a collection for an account that have not been able to verify. This collection was removed from my credit when mountain run solutions reported it because it was inaccurate and does not belong on my credit report. They have not been able to produce anything that verifies the amount of the debt they are reporting or gives authorization to even report any debt. When asked for a final bill, nothing was produced. There was also nothing from XXXX provided to authorize this company to report anything on my credit. The account I had with XXXX was taken care of when I moved out of the home and the owner took over use of the equipment.
Product: Debt collection

On XXXX I got a letter from this company stating i owe more then I owed so I called my representative at the company XXXX XXXX and she was very unprofessional, rued, XXXX, aggressive towards me, bullying me and Threatening me by saying if I didn't pay what she wanted me to pay the company was going to take me to court. I tried to tell her I was out of work and I was receiving XXXX checks and what I could afford. I went to the court house the very next day and the clerk stated nothing in the system and I have to wait on the XXXX to file the paperwork. On XXXX I received another letter stating less then before {$5800.00}. I called XXXX XXXX at XXXX on the XXXX and requested a breakdown letter and she was XXXX XXXX bullying me and threatening me by saying the company has lawerys and they will file a case against me. I explained to her I know I owe and I just want the breakdown. I told her if the numbers match up with my numbers I will set up a payment plan. XXXX refuse to listen to me, she then stated when you get the breakdown call and I will tell you what u have to pay. I reminded her the last time we spoke nothing got accomplish because of your professionalism, you can't tell me how much I could afford. I called back at XXXX and spoke with XXXX XXXX XXXX representative, I told her everything that took place dated back XXXX, as I was telling her she must of been texting Iashia XXXX her private line XXXX XXXX me to hold on XXXX XXXX calling, she came back to the line and said all of the representative are signed clients and that's your representative. I said it's my right to ask for other representative cause XXXX is not handling my case properly. XXXX put me on hold again, came back to the line and stated the same statement, I then asked what's the XXXX name, email and number. she said he going to tell you the samething, I said what's his name she finally told me and said he will be back in office Monday. I asked again for email she gave me XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I opened a dispute and received a claim # XXXX. On XX/XX/XXXX I  purchased an item through a merchant using my debit card through SunTrust. Originally, I attempted to resolve the dispute with the merchant. XX/XX/2019 I reached out to the merchant/seller and was denied my request by XX/XX/2019. On XX/XX/XXXX I filed a dispute with SunTrust and answered all the required questions by SunTrust about my dispute and attempts to resolve. Within 10 days I called SunTrust and was told I did not need to take any further action. On XX/XX/2019 the dispute was inaccurate closed and re-opened. SunTrust required a affidavit which was faxed XX/XX/2019. By XX/XX/2019 I received a letter from SunTrust asking for the third time for a description, " of what you were expecting to receive and how that differs from what you actually received, along with date mm/dd/yyyy of merchant contact and if possible an expert opinion from a neutral third party. I responded XX/XX/2019 and called today ( XX/XX/19) for an update. I was instructed that it would take another 60 days for a total of about 4 months to resolve the dispute.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account is from Capital One don't know my account number but it was open around 2016 This account doesn't not belong to me. I am a victim of fraud and I will report to all credit bureau because I shouldn't be responsible for a those transactions. I need to remove this items from my credit report.
Product: Debt collection

On XX/XX/XXXX, I found that there was a wrong collection on my credit reports from all the credit bureaus. It shows I owed XXXX dollars to an apartment in XXXX, Illinois. The original creditor is XXXX XXXX XXXX XXXX, and the collection company is Procollect Inc. 

However, when I lived in XXXX, Illinois, I had never lived in that apartment. The name of the apartment I lived in was XXXX, and I signed a short-term lease with XXXX on XX/XX/XXXX for the date from XX/XX/XXXX to XX/XX/XXXX. Besides, I never pay my rent lately at that time. 

The collection company did not identify the information with the original creditor and required me to pay that amount. I contacted the original creditor, but they told me to contact the collection company. I first called the collection company to identify the information, but they just told me the debt was based on a lease with XXXX  XXXX  from XX/XX/XXXX to XX/XX/XXXX and refused to do the identity verification. Then, I emailed my evidence to the collection company but with no response. 

I have only XXXX requirement for the collection company to identify all the related information, such as full name, birthday, passport, or XXXX, and then remove this collection record from all three credit bureaus because this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that Esperian, XXXX and XXXX are reporting my Private/Public information from my XXXX XXXX XXXX XXXX XXXX # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. XXXX, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people.

Thank You I appreciate your professional services and I look forward towards your quick and professional response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes and complaints with the CRAs and Macys dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Mortgage

I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between Experian and XXXX as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both XXXX  and Experian are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.
Product: Credit card

Wells Fargo Case # XXXX Color of law 242usc 1983 Breach of privacy, I was denied credit after I extended my credits The Federal Equal Credit Opportunity Act prohibited creditor 's from discrimination against credit applicants on the basis of race color religion national origin, sex etc In good faith exercised any right under the consumer credit protection act. 
Discrimination an Fraud Bureau of consumer financial protection 18 USC subsections 894 con- spire. 15usc6801protection from non public person
Product: Student loan

My employer has received several calls from Navient on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent them a Cease and Desist letter on XX/XX/2020 making it clear that I should be the only person contacted in regards to my debt and they did not follow through.
Product: Credit card or prepaid card

I sought a legitimate {$26.00} refund request XX/XX/2021 within the allowed time period between the XXXX XXXX and XXXX XXXX XXXX but both companies gave me the back and forth putting the responsibility on the other. I have filed reports against these companies for fraudulent business practices with the FTC. I documented my conversations with both of these companies and have ID numbers for this. I provided all this to Citi which is very clear, regardless they denied assisting me with a resolution and didn't acknowledge that I clearly provided the necessary requested information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was exposed in a data breach and company is reporting false information to my consumer report please delete immediately as the accounts are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

I filed a fraud claim with CapitalOne on XX/XX/2022, for one of my CapitalOne Venture One credit cards. The card was being used without my permission. It was a big number, somewhere around {$15000.00} I have two credit cards with the same credit card number but different expiration dates and CVC code on the back of the cards. I lost one ( card 1 ) of the cards but still have another one ( card 2 ) with me. I reported card 1 lost and stolen and told them the charges were not made by me. CapitalOne investigated the card and told me the claim was denied because card 1 's chip was used and if I have the card then the transactions were not fraudulent but the chip was being used on card 1 I lost, not card 2 which is in my possession. I know that for a fact the chip was used on card 1 and not card 2. They won't give me any other information or even give me a chance to appeal the decision. If they want to deny my claim based on the chip theory then I would like to see some evidence to show me Card 2 was used. They can easily look at the expiration dates and CVC code to figure out if it's card 1 or 2 that was being used. I really need help with this one. I called in again the second time and the representative was actually being really helpful and realized I was right so he gave me back all of the money on the account. A few days later, those credits were reversed again.