23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$14000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Product: Checking or savings account

I received an email about XXXX XX/XX/22 stating the online application was being processed, and another email will follow for me to verify my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to get credit agencies to comply before legal action is taken for violation of my consumer rights. I will be seeking {$1000.00} in damges per violation. 

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

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX Reported : XX/XX/2019 {$0.00} Closed
Product: Credit reporting or other personal consumer reports

Late payment report on ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the company has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section A Section 2 : It a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to repair my credit ever since XXXX has been died in 2013. It seems as though his mother who is so life has been using his Social Security number and also has been using my Social Security number. She is taking several credit cards out under my Social Security name against my home she also has used the death of her XXXX sons Social Security number to get credit cards and I can not get these things removed off of my credit Liens on my home I have worked so hard to to save my house and this woman who I cant even find has access to all my personal information and her son is my ex-husband and he is deceased
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed my personal information was incorrect. I had multiple variations of my first name, last name, date of birth, address and my employer as well. I sent letters to XXXX, Transunion and XXXX on XX/XX/XXXX and asked them to investigate this but they still haven't fixed this problem. The correct way my personal information should be showing up on my credit report is the following : Name : XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I requested hardship assistance because since graduation from University in XXXX it has been rough without the XXXX in student loans I received annually. I called on XX/XX/XXXX and was told there was a plan available but I had to miss my payment again and we decided I'd call back XX/XX/XXXX.. When I called today that hardship arrangement meant closing my account AFTER I pay in full. The " help '' means a dramatic hit to my XXXX score, as any help they offer means closing the account after they are paid in full. They set me up to fail on the XXXX call, and when I held up my end of the bargain today and called them, they informed me it meant closure of the account.
Product: Credit reporting or other personal consumer reports

My original mortgage started with XXXXXXXX XXXX XXXXXXXX back in XXXX. In XXXX, XXXXXXXX XXXX XXXXXXXX contacted me and told me I would be the first client they would partially move over to XXXXXXXX XXXX for my mortgage. I was informed of my mortgage contract, automatic payments, interest rate, length of mortgage and all would remain the same and my payments at that time would still go to XXXXXXXX XXXX XXXXXXXX. There was a lot of miscommunication between XXXXXXXX XXXX XXXX XXXX XXXXXXXX and I. I was not properly informed of how the automatic payment process would apply. XXXX XXXX from XXXXXXXX XXXX XXXXXXXX reached out to me and informed me they would like to fully hand over my account to XXXXXXXX XXXX and they would not be responsible for my monthly payments. I was informed the only thing I would need to do is email XXXX XXXX with XXXXXXXX XXXX to discuss an automatic payment date. XX/XX/XXXX. It was my first contact with XXXX via XXXX XXXX, and we agreed my payment would come out on the XXXX of every month from XX/XX/XXXX to XXXX. XXXX was responsible for my payments since my automatic payments were still going to XXXX XXXX XXXXXXXX. On XX/XX/XXXX, XXXX XXXX and XXXX XXXX from XXXXXXXX XXXXXXXX  were in communication with XXXX XXXX and XXXX XXXX from XXXX via email that I was 32 days past due on my mortgage. I was unaware in XX/XX/XXXX there were issues with who was in charge of the automatic payment, and it was switched over to XXXX XXXX  In XX/XX/XXXX, I was in contact with XXXXXXXX XXXX and informed them they would mail me a form to fill out to allow for automatic payments to be withdrawn, and I manually paid XXXX months ' payments in XXXX, since I was not aware it was passed due. I sent back the form to authorize automatic payments in XX/XX/XXXX. In XX/XX/XXXX, I called to verify my automatic payment was received, and I was sent the incorrect form. So I filled out another form in XX/XX/XXXX to allow automatic payment and paid XX/XX/XXXX payment. Again, there was an error with my automatic payment form, so XX/XX/XXXX did not process correctly, but XX/XX/XXXX was successful. After all this confusion, I was in communication with XXXX to attempt to get the late marks removed from my credit report. XXXX XXXX informed me she could write me a letter explaining the issues XXXX was having during those times. I checked my report and those negative marks are still showing on my report.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XX/XX/XXXX for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX  ( XXXX  ) account - XXXX XX/XX/XXXX for the amount of {$520.00}
Product: Debt collection

Diversied Consultants has been in accurately and unfairly reporting an account which they claim I owe {$410.00} since XX/XX/XXXX. I attempted to resolve this matter by sending a letter via certied mail USPS ( XXXX ). The letter was received on XX/XX/XXXX, I requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Diversied Consultants failed to provide validation. In their response they provided an itemized document ( bill print out ). As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Due to their Negligent Willfulness of Identity Fraud and  Diversied Consultants dismissive response, my next course of action will be legal. 

Not only are there numerous errors in Diversified Consultants reporting, conflicts of vital information exist in each of my individual credit reports. 

Laws I can potentially le suit for : 1 ) FCRA Section 623 2 ) US Court of Appeals, XXXX Circuit, No.XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC  opinion letter Cass from XXXX 5 ) Metro 2 Compliance FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXXXXXX XXXX on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I've lived in XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with Citibank in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX. 

Based on the court filing, XXXX XXXX XXXX XXXX. purchased the outstanding debt from Citibank and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from XXXX XXXX that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.
Product: Mortgage

On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I sent Wells Fargo " Requests for Information '' ( RFI ) and " Notices of Error '' ( NOE ). 
Wells Fargo did not comply with my inquires and sent me XXXX letters delaying the reply. 
It has been over 120 days from the first RFI NOE and 60 days from the second NOE.
Product: Credit card

Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Product: Checking or savings account

Hello, my name is XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account. 

Moreover, I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated. 

XXXX : Wrong Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Wrong Personal Information : Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : Wrong Personal Information : Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed my mortgage paper work on XX/XX/XXXX. The loan was transferred to Freedom Mortgage on XX/XX/XXXX. I called the company today, XX/XX/XXXX, to ask why my trade line has still not shown up on my credit report, since I was told some time back that it " could take up to 60 days ''. Those 60 days would have been up on XX/XX/XXXX. I work as a XXXX XXXX in a XXXX XXXX XXXX and I know that there is typically a delay in reporting, depending on what day the new loan is open. I clarified with the man on the phone that at the very latest, I should see my new trade line in XX/XX/XXXX and he rudely told me that I was incorrect and I will not even see the trade line appear until XX/XX/XXXX? XX/XX/XXXX is literally 4 full calendar months from XX/XX/XXXX ... not 60 days. He put me on hold for a while and came back on the line to inform me there there was some federal law that states the 60 day waiting period. I do not remember exactly what " law '' he referenced, but why was I not told this in my loan closing, or when the loan got transferred to Freedom Mortgage? How is 120 days the new 60 days? I am paid ahead and have never missed a payment ... How is this right?
Product: Credit card or prepaid card

Chase Sapphire customer supports keep following the wrong commands during the phone call. I can not have my credit score being affected when I, as the authorize user have yet to receive the physical card. I provided all of my correct information to the agent, they confirmed the address back, but it has been 3 weeks. We keep calling, they do confirm the right address, but then when we checked XXXX, they mailed it to the wrong address. So what was the reason for me to confirm my address 3 times. I have attached the shipment ( 3rd request ) down below.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Experian to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The followings names listed is not the correct spelling of my name and are inaccurate which must be removed from my reports XXXX XXXX and XXXX XXXX are both the wrong spelling of my name. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXXXXXX XXXX XXXX, FL XXXX so please remove this current address from my report it is inaccurate address listed. 
Delete date of birth be removed from being displayed on the credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Debt collection

I had XXXX XXXX XXXX  XXXX by XXXX XXXXXXXX XXXX. The scan was done on XX/XX/XXXX. XXXX XXXX XXXX XXXX department sent the bill to XXXX and XXXX has paid the provider, XXXX XXXX XXXX, and XXXX XXXX XXXX sent me a bill for {$7.00} which I did pay according to XXXX. I never solicited the service of XXXX XXXX, and now I receive letters from this collection agency in spite of detailed communications sent via register mail sent XX/XX/XXXX. 
Still this collection agency has not ceased from continues abuse of sending me billing statements of unpaid amount of {$75.00}. This agency and its client refuse to accept XXXX payment and continue abuse. 
The charge by XXXX XXXXXXXX XXXX XXXXXXXX has been denied by XXXX and now it is the responsibility of XXXX XXXXXXXX XXXX XXXXXXXX to appeal to XXXX. I have paid what I owe. 
This is same as complaint ID XXXX. Submitted on XX/XX/XXXX
Product: Checking or savings account

I made payments to bogus accounts thinking they were legitimate. My emails were compromised and I received what I thought were legitimate vendors changing their ACH info. The vendors they chose have been long-time suppliers, 30 years for one, 20 for another, and 5 or 6 years on the 3rd. The scammers duplicated their statements and used names of people that I have been dealing with for YEARS. They duplicated their logos, and their email signatures to be exact replicas. I had absolutely no reason to question it. Even the email addresses appeared real, until we noticed afterwards, upon " reply '' one letter was swapped. We realized we were scammed when the last ACH was flagged by a receiving bank and returned to us. When we started to investigate we realized the other payments were compromised. I spoke to the receiving banks and they told me at the time there were funds in the accounts, couldn't tell me how much, but said if my bank, TD, sent a hold-harmless letter they could return what was available. TD sat on that for over a week and by then there was nothing left. When I set up the ACH info on my TD bank website it asks for business name, routing number and account number. One of the receiving banks told me the money went to an individual 's account, not the business name I included in the ACH set-up, even though it was bogus. Why this is allowed, I have no idea. It is akin to someone cashing a check made out to someone else. I feel BOTH my bank, TD, and the receiving banks are complicit in this because they allowed they didn't match all 3 criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) and/or XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( TU ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I am a Paypal user with email address XXXX I have been using my PayPal account very perfect but all of a sudden PayPal decided to block my account 24 days ago and asked for documents to unlock it and upon providing the documents, PayPal said it would take 1 business day. 

However, it's taking longer and PayPal has not unlocked my account. 

I would want PayPal to fix things right
Product: Credit reporting or other personal consumer reports

XXXX shown on my credit reports ( XXXX ) has been given to XXXX XXXX. XXXX has sold to this company and shared pertinent information that belongs to me. Please have each XXXX, Transunion, and XXXX remove this negative item from my files
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with Transunion, XXXX, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on XXXX or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only XXXX XXXX of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with XXXX XXXX of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly XXXX points in the last XXXX XXXX. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all XXXX credit bureaus. I would also like my excellent credit scores to be restored immediately. 

Thank you for your time and consideration. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked XXXX and Transunion to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since XXXX. 

XXXX # XXXX