23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 15USC 1681.

15 U.S.C 1681 Section 602 A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationAny adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 ; I received an email from Wells fargo about Payment Card Fraud Alert about 2 transactions that was approved that was unauthorized for : XX/XX/2023 XXXX XXXX XXXX for {$18.00} XX/XX/2023 XXXX for {$27.00} Immediately after that email I call my bank Wellsfargo and report the charges unauthorized. Stated that those transactions are not mine and that I have no clue what XXXX XXXX  was. 


Then received a resolution letter dated XX/XX/2023 received on XX/XX/2023 that my claim was denied due to the findings that the charges were authorized. 

To which I called my bank to know why it was denied and got no help or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED NUMEROUS TIMES TO UPLOAD VIA WEB AND/OR FAX MY FTC REPORT LETTER TO THE LISTED FAX # AS I HAVE DONE BEFORE AND EACH TIME THAT I HAVE TRIED I AM RECEIVING AN ERROR FROM TRANSUNION END, EACH DAY THAT THIS INCORRECT INFORMATION STAYS ON MY CREDIT FILE IS HURTING ME. 
** MYTRANSUNION FILE # XXXX **
Product: Payday loan

Never applied for a loan with XXXX nor XXXX ( XXXX ). Then I receive a email case no saying there suing me for money I have n't receive and applied for. Email name would states XXXXXXXXXXXX I never merge iced any calls or vociemails stating if i applied or there trying to reach me. Other company XXXX someone reached out and said if I ever applied online they steal customers information there 's no way of tracking.
Product: Debt collection

I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. <P/>The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. <P/>ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX  and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT  # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. States I Have The Write To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX / XXXX /  XXXX   Received calls at  XXXX   XXXX  EST and  XXXX   XXXX  from  XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises  )  so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was  ARA Recovery  and they were either trying to collect an old debt or and IRS scam. I blocked the number  XXXX / XXXX /  XXXX   Received a call at  XXXX  from  XXXX . No message left. I looked it up and similar comments -  ARA Recovery. I  blocked the call. I bet I 'll get another call from a different number later today or tomorrow.
Product: Debt collection

The debt was charged off as a profit loss write off by automotive credit corporation in XX/XX/scrub>XXXX XXXX  the company never sent me the 1099C and was still reporting late payments in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to Equifax to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible
Product: Mortgage

We Applied for for a forbearance for XXXX loans w/ Loan Care during the Covid crisis, loan # s ( on attachments ) Our forbearance ended in XXXX XX/XX/XXXX. 

We called Loan Care in XXXX, multiple times to apply for Loan Modification for both loans. 

We received. XXXX  XXXX XXXX XXXX XXXX Solicitation Offer for both. 

We followed the instructions in the plan for both loans, which is : 1. Send our 1st trial period plan payment of $ XXXX {$660.00} respectively by XXXX/XXXX & XX/XX/XXXX which we did for both, we actually paid more money. 

2. Make XXXX consecutive payments, XXXX & XXXX, which we did & are doing. 

3. Sign Modification Agreement, which weve not received yet. 

XXXX XXXX XXXX sent a letter to our tenants & us, for one of the loans, stating that were in default, that we missed payments, which we did Not. 
Proof attached. 

Wevd called multiple times to try & plead our case but, we are told to disregard the letters & are told theres an error w/ the system by some agents, but that one loan collector has said that we are in default & were still getting letters indicating that were in default. 

We did everything that was requested of us.. We should Not be in default! 

On the other loan, we seem to be ok, yet we did the exact same things for both loans. 

We also asked for a payment history for the life of our loan, about a month ago & have yet to receive it. 

They sent a payoff amount, which does Not incorporate All of our payments. 

Please help us! 

XXXX
Product: Checking or savings account

This is an additional complaint from an original complaint that, to date, has not ben resolved. I will attach all correspondence including the response Chase Bank gave you and was forwarded to me as the answer to my initial complaint. I have also included the " Affidavit '' Chase required I sign, notarize and send to them. 

The basic problem is that Chase Bank has been holding {$180.00} that they have agreed is owed to me but continue not to forward the funds via check or deposit into my account. 

Please note, the bank account number I am going to provide is for a CLOSED account.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent and Unauthorized Information Under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 
Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 
Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCRATCH FINANCIAL INC has incorrectly reported that we didn't pay the balance in full on time even though the main report shows paid in full on time every single month, they have reported we missed a payment of {$18.00} at the end of the loan which is 100 % incorrect. we always paid {$98.00} on time every month then we get a random {$18.00} report we were never made aware of- We even paid the the {$18.00} just to be safe even though we didn't think it was owed due to the website saying account is " paid in full on time ''. this is 100 % accounting error and is holding me back from finically being able to go forward on a new home. 

Please see screen shots of them reporting all 100 % paid on time but then accidentally reporting a missed payment.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft : 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

I was looking at my Experian credit report XXXX XXXX and I notice my information was found on the XXXX XXXX they opened accounts with my information I never heard of or applied for I want the credit companies to fix this matter immediately cause im always turned down from mortgage or trying to apply for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting 2 accounts with 2 late payments each and this information is incorrect. I have tried disputing it directly with them, to no avail.

1. XXXX XXXX shows 2 late payments - I have never paid this account late.

2. XXXX XXXX XXXX shows 2 late payments - I have never paid this account late.

These accounts need to be update and late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit information with all  XXXX  services and noted that  XXXX ,   XXXX   and TransUnion are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county (   XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation  website and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX I called   XXXX  ,   XXXX   and Transunion to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  XXXX   XXXX  recorder of deeds. Transunion,   XXXX   and  XXXX  contended the information was accurate. I additionally, informed TransUnion that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Product: Credit reporting or other personal consumer reports

For several months, Experian has been unable to provide my credit file to my financial institution, XXXX XXXX XXXX XXXX, despite having accurate information such as my SSN and full name. This issue has rendered my credit applications incomplete, as XXXX XXXX relies solely on Experian to process applications and has made multiple unsuccessful attempts to pull my credit file. 

Although I can log in to Experian and view an outdated report from XX/XX/year>, I consistently receive the following error message when trying to access an updated report : Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you wont be able to see your report. 

My Experian account is neither frozen nor locked, and my personal information is correct with both Experian and XXXX XXXX. I have attempted to resolve this issue by contacting Experian, disputing the problem in writing, and requesting XXXX XXXX investigate through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the problem, and I have received no actionable support from Experian. 

Adding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records. The pop-up offers free fraud alerts and states : A major data breach exposed XXXX XXXX private records. Set up a fraud alert to protect your credit report. 

While I can not confirm the exact cause of this issue, I believe it may be tied to larger security vulnerabilities, including potential cyberattacks linked to XXXX. Recent reports have highlighted state-sponsored advanced persistent threat ( XXXX XXXX groups, such as XXXX XXXX, which have targeted telecom and financial systems. Considering these risks, I am deeply concerned about Experians ability to safeguard my personal information and provide accurate, reliable credit reporting to lenders.

Experians failure to provide my credit file has caused me significant financial harm and stress. Because XXXX XXXX relies solely on Experian, I have been unable to apply for credit or secure financial relief through a consolidation loan, resulting in higher interest charges on existing debt. 

I request a thorough investigation into this matter, including whether Experians systems have been compromised by Chinese-linked cyberattacks or other security breaches. Experian must resolve this issue, ensure my credit file is accessible to me and XXXX XXXX, and provide transparency regarding the root cause of the problem. Additionally, I urge XXXX XXXX XXXX XXXX to be informed of the situation, as other members may also be affected. 

Thank you for your attention to this serious matter.
Product: Checking or savings account

I contacted the bank on several occasions about a situation where someone was entering my account and stole {$1800.00} out of my account over a period starting with XXXX up until I regain access to my account. The bank keeps denying the fact that people stole my money even though I provided them with a police report and a bill stating that I didn't even have a phone at the time it is the online Establishment and I ask for proof on how they determined that it was a good transaction. I have several email from the establishment about the denial of my claim and if necessary I can provide this documentation. If you notice from the proof provided by the company there were only ip address applied to the time money was taken from my account. They claimed that the transaction were accurate because it came from a phone number associated with my account but as I explained I have to other lines and theses are the people that suspect of stealing the funds from my account.
Product: Debt collection

Ive been contacted repeatedly over the past XXXX years regarding debt that was given to a collector. I never gave the companies involved legal right to my personal information, or legal rights to give my personal information to any company or entity.
Product: Mortgage

My mortgage company sent me a letter saying that I am late on my payments I am on automatic payments they are suppose to take out XXXX on the XXXX of the month and the XXXX XXXX of the month they have been taking out XXXX and XXXX sense XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to XX/XX/XXXX I feel this is an error on there part and I should not have to paid late fees and extra charges
Product: Checking or savings account

Wells Fargo has repeatedly hit my account with XXXX dollar overdraft fees even when my account had/has the money to purchase items. XXXX of 2023 I called Wells Fargo about my account being overdrawn with multiple late fees 2 were taken off. I did buy a budget book so that I may keep track of Wells Fargo and my account. This isn't the first time overdraft fees were added to my account as much as nearly as much as approximately XXXX XXXX in overdraft fees, this happened in I believe XXXX. I did call Wells Fargo to inquire about this lawsuit but no help or information was given, until I researched more myself and came here. I have been a member of Wells Fargo for some years. I bought a table from XXXX last month for approximately XXXX, a week or so later my account is hit with an overdraft fee by Wells Fargo. When I called Wells Fargo to complain the woman on the phone actually went back into my account a few months a took overdraft fees off my account.