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

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX  DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit card

Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed unauthorized inquiries on my report or I believe someone applied for something in my name according to the FCRA legally, these unverified and unauthorized item must be removed immediately no, I did not contact them and I dont want to freeze my account I will do that on my own time.
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 TransUnion ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Product: Debt collection

I never Received any Bill 's in the mail. And Medicaid should cover this.
Product: Checking or savings account

To Whom It May Concern : XXXX XX/XX/2023 I received a letter from Wells Fargo Bank dated for XX/XX/2023. The letter stated that I had a bank account that closed. The letter also stated that any remaining bank accounts will stay open. 

I called Wells Fargo Bank the same day in an attempt to resolve this issue. The associate on the phone may or may not have been an immigrant or someone at a foreign call center in XXXX XXXX. The associate on the phone asked for my social security security number & did not give me any detailed information about the history of account activity using my social security number and personal information. I was not allowed to see any documentation used to open one or more fraudulent accounts in my name. The associate on the phone did not give me any information on steps that I could take to obtain documents connected to the accounts in order to inform law enforcement. 

I do not know how many more accounts might be open at Wells Fargo Banks & other Banks. These people might cause me to lose XXXX while I am experiencing XXXX XXXX and other health issues.
Product: Credit reporting or other personal consumer reports

Upgrade credit card company inaccurately reported to credit bureaus that I was 30 days late on a card payment ending in # XXXX, when I was not 30 days late, which Upgrade verified when I called them after seeing the XXXX point decrease in my credit score with XXXX on XX/XX/year>, and XXXXpoint decrease in XXXX credit score on XX/XX/year>. This is the second time this has happened with Upgrade, and then taking forever to have them remove from my credit. The decrease in credit score and time of mine to have to deal with, report, make multiple calls, and endure such a decrease in credit and all the repercussions. Upgrade should not be allowed to keep doing this, FOR FREE, no payback or compensation, or anything affecting them from continuing to do this that affects other people extremely when its an absolute lie that I was 30 days late on a payment not once but twice. This is not OK to take my time that I dont get paid for and take my credit score that now Im not allowed to use for essentials that might be needed. Im submitting screenshot images to verify what Im saying. Also, Upgrade did verify I was not late on any payments 30 days and they also said they didnt report it to credit and told me I had to call XXXX XXXX and XXXX because it was on them after talking with them they absolutely say its not and that Upgrade did report it which I do believe because as I said, this is the second time theyve done this and should not get away with it anymore. My credit score should be risen even more.
Product: Mortgage

I have two mortgages with United Wholesale Mortgage. They applied two payment to one house in error. The incorrect account number was on the check but the voucher had the right account and the pay stub for the right account was included in the envelope. 

I send my payment for XX/XX/XXXX on XX/XX/2020 for both my XXXX, XXXX  and my XXXX  house in two separate envelopes, each with its own stub. 

XXXX - I received my statement with a late fee. ( I am always early ) so I called and found out they credited a {$2000.00} ( {$1400.00} payment and add'l {$580.00} to principal ) payment for my house in XXXX, XXXX  to my house in XXXX. They agreed it was an error and credited me the late fee and said they reapplied they payment plus additional principal to the XXXX, XXXX house. 

XXXX - I received my invoice .. again a late fee. I called again ... another 3 hour call. They did apply the {$2000.00} to XXXX but they applied ALL {$2000.00} to principal only. therefore making my payment past due again. They credited me again and said they fixed the error. 

I then set up Auto pay to avoid any future error due to come out of my account on XX/XX/2020. 

XXXX - I viewed my bank account on XX/XX/XXXX and XXXX - they had not taken out my money. I called and they said they could not take it out because my account in XXXX was still showing past due. I was told I needed to send in copies of the cashed checks via email to XXXX which I did. Then XXXX XXXX number XXXX  said I needed to send in another payment because I was showing late ( even though it was UWM 's fault ) in order for them to auto deduct my payment for XXXX. 
I did - I asked for a call from management that never came. I was told within 24 hours. I called Saturday and was given the name of XXXX XXXX ( XXXX  ) would call me by XXXX. NO call. I called there at XXXX XXXX  the call dropped and when I called back they were closed. 
In addition - I received another invoice with another late fee. 

I am hoping to get help on Monday XXXX XXXX. To date I have exceeded 15 hours on the phone trying to get them to correct the error to no avail. Can you help me get through to them? 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I submitted a claim for fraudulent activities. The claim was auto approved the same day and {$600.00} was credit to my account. I called Truist Fraud Department back the next day XX/XX/XXXX and informed them that a few transactions were not included on my claim though I gave the transaction to the Claim representative. I was told because this claim was closed I would need to make a new claim to add the transactions. I added the XXXX addition transaction. I received XXXX credit for {$470.00} back to my account and the other XXXX was denied. In my denial letter it stays there were a pattern of transactions from the same merchant that were not previously disputed I called Truist back today XX/XX/XXXX for clarity. The first rep I spoke with we were working together to see the transaction that were not included and found the XXXX transactions were never made previously. The call got disconnected so I called back and I spoke with XXXX. He said that they fraud team found the transaction to be valid and made by me. I said based on my denial letter that was not the issue. He asked me to read what the denial letter said. When I read it he said he will look at my bank statement and see if the transaction were there. They werent but he said in order for me to open a XXXX nd review I would need a place report. I said I only have the information the officer gave me I dont have a police report and where Im from it can take XXXX weeks to get a police report. They only give out the police report number and district contact information. This rep was no help and when I asked for a reference number the said it was no reference number and he can only give me his first name. I called BACk and this rep gave a TOTALLY DIFFERENT reason the claim was denied. And it just feels like the run around and this wouldnt have happened if all the transactions were properly reported on the very first claim the day prior.
Product: Debt collection

I have reached out to ERC and requesting information in which I have yet to receive a response. ERC is in violation of my rights as a federally protected consumer.
Product: Checking or savings account

I filed a dispute on my debit card and the claim was denied because they said my card was used but it was used in another Country. If you look at my transactions. I was in XXXX XXXX California then I drove home to XXXX AZ. How could I be in XXXX also using the card. It doesnt make any sense. I was asked to submit a receipt but I dont have any from XXXX of 2021. I take full responsibility for not noticing sooner but how can I be in XXXX and in the US at the same time. Its just not possible. The claim XXXX. I have zero clue how my card was being used in XXXX but I wasnt there
Product: Student loan

Since the beginning of my loan I was making payments towards interests for my loan with  XXXX . Later we had a mishap with my credit card and this led to me finding out that my payments were n't going towards the interst as originally planned with them. They charged me interest on top of interest and finally when I get ahold of them they told me  XXXX   and Navient had split up and they split my payments without me knowing and my   XXXX   account was being paid. This led to a drop in my credit and huge increase in student loan. I have managed to settle with   XXXX   but I 'm still paying high interest with Navient due to this. I was never informed or contacted of this situation or these event occurring.
Product: Credit reporting or other personal consumer reports

I have a collection listed on My consumer reports. XXXX funding must be deleted from all three major credit reporting agencies XXXX Experian and XXXX immediately this is hindering me from buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to complaint XXXX-XXXX, XXXX  XXXX XXXX is maintaining that they exercised due process in recording my account as a charge-off even though, through circumstances of their own making, they " clouded '' the title to the recreational vehicle ( aircraft ) for which they were the primary lien-holder thereby rendering it to be un-saleable with a title that could not be cleanly transferred to a new owner. Additionally, they could not even provide me with clear title effectively demonstrating that I myself possessed clear ownership and title to the vehicle. Documentation from a federally bonded, FAA-certified escrow and title company, XXXX XXXX XXXX XXXX, XXXX, are attached demonstrating XXXX  XXXX XXXX 's inability to present a " clear '' title of the time of an attempted sale of the aircraft ( XXXX ) on XX/XX/2020.
Product: Debt collection

We were contacted by Synchrony bank with regards to Lowes credit card. We were then contacted by a credit collection bureau and we explained discrepancies in amount. Also explained Synchrony had charged off the amount as a bad debt and closed the account. Also explained only income received is protected. They said they would return the account to Synchrony with that information. Synchrony forwarded the account to XXXX XXXX XXXX XXXX XXXX XXXX for legal action. The attorney is aware of a cease and desist notice on the account but the attorneys contacted me in writing anyway. They were told about the only type of income received but they didn't care. They told me about the cease and desist but notified me with regards to the bill without regards to the no contact information. Then tried to force a payment arrangement. Synchrony Bank and XXXX XXXX XXXXXXXX were both aware of the no contact with regards to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to Experian or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

On XX/XX/XXXX, I was contacted by my accountant, who informed me of a suspicious withdrawal from my XXXX ( JPMorgan Chase ) account. The withdrawal occurred on XX/XX/XXXX, and amounted to {$1700.00}. Prior to this, I was not aware of the transaction. 

Given the nature of a XXXX account, I understand the penalties associated with withdrawing money from this account and therefore do not normally pay close attention to it, as I have no need to use these funds. 

On XX/XX/XXXX, I called XXXX XXXX customer service to verify the withdrawal information. Upon inquiry, I learned that the bank account number and the bank name to which the money was transferred do not belong to me. I expressed my concerns, and the representative informed me that such a withdrawal would require my employer 's approval. However, there was no document in the system to support this transaction.
Product: Credit card

The company is imposing restrictive approaches in customer service practices that force customers to resign with no fair justification to their right of freedom of speech towards the State and Federal Reserve System along with imposed recordings with no alternatives to satisfy needs
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify these inaccuracies, the fraudulent entries persist, severely impacting my creditworthiness and financial well-being. This letter serves as my eighth formal request for the removal of these erroneous entries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items on my credit report not only violates the FCRA but also undermines my ability to access credit, secure loans, and make important financial decisions. 

I request that your agency conducts an immediate and thorough reinvestigation into these fraudulent items, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I submitted a complaint to the CFPB on XX/XX/XXXX against Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX, the resolution was submitted as follows : Company 's Response : " We will close this account '' DESCRIPTION OF NON-MONETARY RELIEF : " We will cease and desisit '' ( sp ) Forest Recovery Services, LLC, is NOT honoring their stated resolution. They have not closed this account, nor have they ceased or desisted. They are calling my telephone and sending me more harassing debt notices. Please see attached files. 

Instead of doing what they stated they would do in response to my complaint, which is cease and desist, close the account, they are actively engaging in complicit behavior with their client, XXXX XXXX, who is running a nationwide fraudulent body broker scheme that targets grieving families who have just lost a loved one. 

I am now forced to include Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX in my complaint to the NY Attorney General about XXXX XXXX an illegal company that has been operating fraudulently in all 50 states and has been legally sanctioned by numerous attorneys general.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX According to the IRS, This XXXX XXXX credit card is canceled, forgiven or discharged and it is taxable income to me, they refused to send me Form 1099-C, " Cancellation of Debt, '' for this debt that was withdrawn and written off, This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft CREDCO-AUTO Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft CREDCO Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad inquiries appearing on three of my credit reports.
Product: Bank account or service

HAS A DANGEROUS AND INSECURE TELEPHONE BANKING PRACTICE THAT REQUESTS ATM CARD OR BANK ACCOUNT NUMBERS THAT CAN INTERFERE WITH DRIVING, AND ARE INSECURE, AND ALSO COULD NEED TO BE MODERNIZED WITH VOICE COMMAND PER THE USE OF XXXX, " SAFE CALL '' PROTOCOL, XXXX. XXXX REQUIRES FAIR MARKET RESEARCH PAYMENT FOR USE OF ANY OF THESE VALUABLE RESEARCH RECOMMENDATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I charge XXXX on my XXXX XXXX XXXX every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month equifax and XXXX pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.