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

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; and XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00}.
Product: Mortgage

I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.
Product: Credit reporting or other personal consumer reports

Address for service of lawsuits To : XXXX XXXX, XXXX. Re : Your violation of my cease & desist notice, debt validation procedures etc. etc. regarding XXXX XXXX, XXXX. And its debt collector Pollack & Rosen , P.A . I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit card or prepaid card

Filed fraud. Capital one took it off, then without written notice put it back on. First they said charge was made in XXXX, then said XXXX, Illinois. Would not say why they put it back on, only that card was there. Did not show receipt, and said they didnt have receipt. Showed proof for my whereabouts that night, didnt change
Product: Money transfer, virtual currency, or money service

I was selling a product online the gentleman stated that he had sent me the full amount I received an email from Zelle support stating that the funds going to be deposited into my account until I verified that I was attempting to send funds or receive funds from that individual zelle support emailed me requesting me to send funds to the individual I sent funds later I found out that it was a scam the representative at Zell so that theres absolutely nothing that they can do and the person can create a new Zell account and my bank also stated that there was absolutely nothing that they could doI was supposed to receive {$1200.00} and then with the {$500.00} that I had sent would be a total of XXXX however I did not receive any of those funds I am just out {$500.00}
Product: Credit card or prepaid card

Chase XXXX allowed me to be added to an authorized users card without my consent. This had a negative impact on my credit score and when I contacted them, they told me they dont need my consent.
Product: Debt collection

Professional Credit Management XXXX XXXX XXXX XXXX, AR XXXX Subject : Account # s : XXXX & XXXX See attached document ...
Product: Checking or savings account

I called Wells Fargo XXXX XXXX XXXXXXXX on XX/XX/2022 to report unauthorized transaction, the young lady advised she would need to cancel my card and send me a new card. I advised that I did not want to cancel my XXXX and did not want to move forward with the request as I need my card for the weekend, she said ok. Not only was my card canceled without my permission 2 days later she did not order me a new card after explaining to how important it was to have my card. This caused embarrassment while try to make a purchase and was done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, l
abor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have a negative mark on my credit report from LVNV FUNDING LLC regarding an amount of {$1400.00}. I have no idea who this company is. I never received a bill or notification regarding this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The companies listed below 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 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. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX OR XXXX XXXX LISTED Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number xxxxxx XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Vehicle loan or lease

I paid my loan off in XX/XX/2020. After several phone calls I have not been able to receive my title and can not register my car. The finance company said that they sent my title to the wrong address but would send a notorized paper to my correct address so that I could file for lost title. They have not done so. I have called them 5 times and only the last time was given any sense that the person on the line was going to help me. Each time they said that they sent the document, but I have not received it.
Product: Debt collection

I did a dispute with the Credit Bureaus in regards to  Security Credit Services and to validate with proof- ( something that contains my signature ) that I have a debt with their company ( Security Credit Services ). In stead on  XXXX / XXXX /   2017  I receive a letter from  Security Credit Services wit h a contract from another company by the name of  XXXX  saying the debt was mine. I DO NOT HAVE ANY TYPE OF BUSINESS OR CONTRACT WITH SECURITY CREDIT SERVICES. I HAVE NEVER HEARD OF THIS COMPANY NOR HAVE I EVERY CONTACTED THEM TO ATTEMPT TO DO BUSINESS WITH THEM.  Security Credit Services is on my credit report erroneously causing damage that they should not be causing because I do not have a debt with them. Security Credit Services has nothing with my signature or anything showing that I have ever done business with this company. I will also be filing a complaint with the Consumer Financial Protection Bureau in regards to Security Credit Services.
Product: Credit reporting or other personal consumer reports

I canceled XXXX XXXX XXXXXX/XX/XXXX I moved they keep the bill running to XXXX witch ran by bill up. In XXXX of XXXX a salesman from XXXX  contacted me and stated if I go back they will zero out my bill even though I was sure I didnt owe it as I cancelled I figured I would agree just to get it taken off XXXX meaning XXXX  XXXX  XXXX  did not keep there work I disturbed this XXXX  times threw Experian I submitted the letter and all proof thinking they would do the right thing they did not now I am filing for a mortgage this is a fair credit violation
Product: Credit card

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX.
Product: Mortgage

I was denied a loan modification from BOA. I was involved in the class action lawsuit and received a check in 2013 from this action. My home is presently being sold as a short sale. My question is has the class action lawsuit for those who were denied loan modifications completely settled or is this issue still pending? If it is still pending who do I need to contact? Thank you for your time.
Product: Debt collection

IGNORED CEASE AND DESIST AND DO NOT CALL AND CALLING HOME, WORK, CELL AND SKIP TRACING WUTH INVANSION OF PRIVACY INFRACTIONS IN VIOLATION OF FCRA NON VALIDATION OF DEBT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe to be the result of identity theft. I recently obtained a copy of my credit report from the Credit Bureaus, and upon reviewing it, I discovered several accounts and inquiries that I do not recognize. 

The unauthorized accounts listed on my credit report include : XXXX XXXX # XXXX Opened on XXXX for {$480.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$570.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$840.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$580.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$140.00} XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$640.00} Original Creditor # XXXX Opened on XX/XX/22 for {$850.00} XXXX XXXX  # XXXX Opened on XX/XX/22 for {$1100.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$470.00} XXXX XXXX # XXXX Opened on XX/XX/22 for {$400.00} XXXX XXXX # XXXX Opened on XX/XX/22 for # XXXX XXXX XXXX # XXXX Opened on XX/XX/22 for {$260.00} I have never applied for or authorized these accounts, and they do not belong to me. Furthermore, I have not received any communication from the respective creditors or lenders associated with these accounts. This leads me to believe that my personal information has been compromised and used fraudulently by an unknown individual. 

In addition to the unauthorized accounts, there are also several credit inquiries listed on my report that I did not initiate. These inquiries have negatively impacted my XXXX XXXX and XXXX be related to the fraudulent accounts. The unauthorized inquiries include : I have attached a copy of my credit report with the disputed items highlighted, as well as copies of my government-issued identification and proof of address for your reference. 

I am requesting your assistance in investigating and resolving this matter promptly. Please initiate an investigation into these fraudulent accounts and inquiries and remove them from my credit report as soon as possible. I also request that you provide me with written confirmation of the actions taken to rectify this issue. 

I understand the importance of maintaining accurate credit information, and I am committed to cooperating fully to resolve this identity theft issue. If you require any further information or documentation from me, please do not hesitate to contact me Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my credit report to its accurate and rightful state.
Product: Checking or savings account

Received an email on Thursday XX/XX/year> at XXXX stating that they were experiencing issues with direct deposit, transactions, etc and that it would be fixed by Friday XX/XX/year> morning. I waited all day and called at XXXX, held for 3 hours and was told by the representative that there was no records of a direct deposit pending and that the issue with the 3rd party would be fixed within a few hours and to just wait. Checked my account at XXXX, XXXX, XXXX and still no direct deposit. I've been on hold since XXXX to speak to a representative. It is the weekend and monday is a holiday. We are to expect snow on Tuesday. What am I going to do without my direct deposit.
Product: Bank account or service

Wells Fargo on XX/XX/XXXX overnight arbitrarily changed all online account settings so that I could not see all my accounts on XXXX page. They eliminated the tabs for navigation and hide them behind a MORE + button. I am upset because I can not see my money in XXXX place as was the previous practice at Wells Fargo. If I can not see my money in XXXX place than I can not trust the bank to secure my money. 
It is my concern that the bank is separating me from my money by making it harder to find my money and harder for me to administer my accounts. Using a drop dead deadline the bank should be banned. The banks place of trust has been destroyed. I can not trust the bank to be a safe custodian of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2014 XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

Received letter from Nordstrom stating my application for a credit card had been declined because of negative report provided by XXXX. I DID NOT apply for a Nordstrom card. When I pulled credit reports I did find the Nordstrom request on XXXX I called Nordstrom and they would not provide information about the false application but said they would report the fraud to XXXX. I contacted XXXX and they said I should file this report. I also checked XXXX and XXXX. Neither had a hard inquiry from Nordstrom but both had one from TAB Bank/Netcredit which I had not applied for. I contacted XXXX. They would not provide any information about the application and were not cooperative. I called XXXX and they said to file this report and mail them a copy. I have not called XXXX but I assume they will tell me the same thing. I have frozen my account at all 3 agencies.
Product: Debt collection

Credit Bureau Systems has violated my HIPPA rights 16 different times by accessing my protected medical records, procedures and medications without my authorization. I never signed a contract with them or a HIPPA release for them to access my medical records.
Product: Debt collection

My name is XXXX XXXX the past year I was a victim of identify theft when I found out that I had mostly XXXX card opened under my name all from different located and some from different states in that time i contacted every banks that supposedly had approved the cards to be open all of them went into investigation and later on removed all of them but XXXX account were already on the way to a collection company called Midland Funding LLC or MCM Midland Credit Management , Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called this company and they told me the information I would need for them to be able to proceed into a investigator from there part and for the accounts to be removed I fixed XXXX of those account of the XXXX I had now I only have this last XXXX from XXXX Bank they been sending me cards to pay this debt but I not gon na pay something I did n't approve and that I did n't open in Midland Funding card has XXXX account numbers to see this account or maybe information number of account original XXXX and the number of account with Midland is XXXX thank you for your help please I would to see how I can fix this issue.
Product: Payday loan, title loan, or personal loan

A company called Credco did a hard pull on my credit without any authorisation from me. I had absolutely NO knowledge of this check on my credit until and after I had applied for a personal loan from another lender and was informed that a hard pull had been performed on my credit by this company. 

When I called the company seeking an explanation they told me they had no record of me in their system at all. 

When I called XXXX thereafter, they confirmed that indeed Credco had done a hard check on my credit. 

I have absolutely no email nor any other record of having had any dealings with this company online or otherwise. In fact, I had never heard of them until informed of the hard pull on my credit. 

This check is fraudulent and done completely without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First off, Pro-Collect used my application supplied to the apartment complex to call my dad ( in XXXX ), which they are not allowed to do. They advised him of my debt and called him so many times he had to block their number. Mind you, he was not co-applicant, he was just listed as a reference. Second, I called to pay my debt and the representatives are rude, disrespectful and condescending. Never in my life have I dealt with people who so unwilling to help. After the fifth phone call I finally was able to speak with a supervisor who was unwilling to remove my debt off my credit report as requested, which I do understand is a courtesy, but I paid my balance in full. When I asked why she said because I said so and that she was hanging up on me. Their tactics and representatives are awful and they should never be allowed to operate.