23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX I have also written to all three credit bureaus requesting that they reinvestigate this matter. 
After carefully investigating the company, they are not even licensed to collect in the state that I live in Georgia. 

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America closed two of my credit card accounts in good standing without consultation or prior notification. I have never been late on a payment or carried a balance. One of the cards was subject to an annual fee as well, which I paid around XX/XX/2021 ( 4 months ago ). Bank of America refused to reopen my accounts, which negatively impacts my credit. Moreover, after calling, Bank of America refused to refund my annual fee despite the fact that fee was meant for a whole year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an XXXX XXXX XXXX # 's XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. Someone stolen my identity And use my actual driver license, address, date of birth and social security number it to open a fraudulent accounts without my knowledge. I did not receive no money or no compensation for my identity that was stolen. I respectfully request that THESE ACCOUNTS TO BE DELETED, Identity theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction(s) or accounts that I have made or opened . It is the result of identity theft. Experian said it was verified but did not provide Information accordance with me according to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection XXXX please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Product: Mortgage

I gave my XXXX the house and it was granted to him through the court order and XXXX XXXX. The issue is the court order states that he is fully responsible for making the payments he has not made any payments since XXXX of 2024. The mortgage is currently delinquent in the amount of {$9100.00} and the mortgage company are going to initate XXXX on the home if no payment is made. He has completely neglected his responsibility. The XXXX XXXX is mine which is also tied up in the mortgage company. I have already given him a XXXX XXXX XXXX for the property. My credit has tremendously suffered going from a XXXX to a a XXXX because of still being tied to the house even though he was granted the home. I have talked numerous times with the XXXX XXXX department the mortgage company is fully aware. I've even submitted to the courthouse paperwork to hold him contempt in court for his negligence. I'm trying to get my name removed and have my credit restored as soon as possible. I need assistance as soon as possible on this urgent matter.
Product: Mortgage

I have a short sale offer for this property. The bank processed the short sale but did not give the buyer an opportunity to counteroffer even though the buyer is willing to increase their offer. A foreclosure will have a deterimental affect on my credit as well as make me liable for deficiency. This offer was provided to the bank in XX/XX/2019.
Product: Vehicle loan or lease

I was financed thru Hyundai Acct. No. XXXX. On XX/XX/XXXX I was rear-ended and my XXXX  Hyundai was totaled. The driver 's insurance reached a settlement of {$24000.00} and that check went to pay off my loan in the amount of {$9100.00} leaving a overpayment of {$15000.00}. The finance department shows the payoff as of XXXX. After numerous customer service calls - we still have not received our overpayment. 
I have tried to get someone to help us as I would like to purchase a vehicle. Always just call customer service and that never works. Is there a way to get some assistance? 

I you need anymore information please e-mail me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : XXXX/DEPT OF ED XXXX % paid off {$13000.00} XXXX/DEPT OF ED XXXX % paid off {$10000.00} XXXX/DEPT OF ED XXXX % paid off {$8600.00} XXXXDEPT OF ED XXXX % paid off {$8600.00} XXXX/DEPT OF ED XXXX % paid off {$7800.00} From XXXX : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX 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: Mortgage

My complaint involves acts of mortgage fraud. I am showing that NVR mortgage did not following proper guidelines established by FHA regulations. 

The following attachments are : Timeline : A description of events that took place during my mortgage process XXXX XXXX : All communication involving my mortgage NVR Documents : All documentation that I received for NVR MortgageXXXX XXXX XXXX XXXX Purchase Agreement : Purchase Agreement for XXXX XXXX Please be aware as of XX/XX/2023, this property has been sold.
Product: Mortgage

Nationstar Mortgage is impossible to get on the phone. They send me letters and ask me to call my loan specialist. I call and ca n't get thru. They ask me if I want them to call me back after keeping me on hold for a long time. I give them my number. When they call, this line instantly goes dead. They post that their customer service hours are XXXX to XXXX Mon thur either Thursday or Friday ( they have listed both versions in different letters and on their website. But when I call after XXXX XXXX, I get a recording that they are closed for the day. But it 's XXXX XXXX ... they are supposed to be open for another XXXX hours. Unless the central time they are talking about is in XXXX. I am behind on my mortgage and struggling to keep up, but when I have money to send them, why do they make it so XXXX hard to call and make a payment on the phone?
Product: Credit reporting or other personal consumer reports

in this account different sections are reporrting inaccurate information with equifax, XXXX XXXX attached docs. are showing the inaccurate reporting
Product: Credit reporting or other personal consumer reports

This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX, XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX XXXX Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I recently became aware that my identity has been compromised, leading to fraudulent accounts and unauthorized inquiries on my Experian credit report. 

The following inquiries appeared on my report without my authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, Experian is reporting the following fraudulent accounts that I did not open : XXXX XXXX XXXX Opened XX/XX/XXXX, identified as fraudulent in XX/XX/XXXX XXXX Bank XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, identified in XX/XX/XXXX These fraudulent activities have negatively impacted my credit score. I have filed an FTC Identity Theft Report ( Report Number : XXXX ) and request that these inaccurate items be removed.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Mortgage

When I requested why I was receiving a remediation check. It was stated that it was because I wasnt offered a modification. But I was and then. They said. It was because a money error. But they were not allowed to say what it was
Product: Credit reporting or other personal consumer reports

XXXX XXXX has in their agreement the option to cancel the loan within a set timeframe. I submitted my request to cancel my loan. At first the reversal was declined by my bank due to fraud. However, upon retrying Possible Finance stated they had technical difficulties with reversing the loan. No updates were given on this ongoing issue, I had to reach out. During this time I became frustrated with the lack of help. This is predatory behaviour as they do no have a proper process that takes care of customers with cancellation requests that are within their own terms. Instead they make it difficult just to earn the predatory fees. These deceptive actions led to me taking on the loan and giving up on their process, and now they have reported my account late to the bureaus. They never updated my account compliance coding while in dispute when the issue was ongoing. This should have never happened but their greed to keep loans opened are unfair, deceptive, and mislead customers into keeping loans they want to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed a hard inquiry on my Transunion credit report from XXXXXXXX XXXX. I have never applied for anything with XXXXXXXX XXXX. I have on numerous occasions sent letters to XXXX XXXX about removing the unauthorized inquiry from my credit report as well as Transunion. I've been doing this for over a year now and nothing has been resolved. This is a form of fraud and I can't see how is it this difficult to be resolved. I also wasn't aware that a bank can just not respond to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

When the bank pulled our Tri-merge credit report, a number of accounts that was not ours along with a name came up ( XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These issues only show up when a tri-merge credit report is pulled through Equifax Mortgage Solutions
Product: Checking or savings account

XXXX XXXX XXXX Complaint Case Number XXXX I hold a deposit account with Wells Fargo Bank, No.XXXX. Yesterday, on XX/XX/2021, I received the attached notice from Wells Fargo Bank that they decided to close my account. The bank chose without advance warning to make the balance of my account unavailable to me until XX/XX/2021. Doing this denies me my salary and, consequently, puts me in a very bad situation with regards to paying my bills and keeping myself alive. I am more than upset and angry. The balance on my account is currently {$4800.00} and I am demanding that the entire amount be made available to me so that I can move the funds to a bank that will do business with me and make my funds available at once!
Product: Credit card or prepaid card

On a number of separate instances over the last few months, American Express customer service employees lied to me about the benefits of a credit card they wanted me to pay more for and upgrade to. They told me I would get complementary airfare credit this year, but instead, the airline ( Delta ) - after I signed up for the card and went to use the benefit - said American Express had lied and that was not true, and that I could not have a credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.
Product: Credit reporting or other personal consumer reports

This is extremely frustrating and I am deeply disappointed. I have been consistently ignored with my requests to correct the inaccuracies from my credit report, this has affected my overall well-being negatively.
Product: Debt collection

I am submitting this complaint to address multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) committed by Southwest Credit Systems regarding an alleged debt associated with XXXX XXXX. 

Details of the Complaint : Failure to Provide Validation Notice : Southwest Credit Systems received this account on XX/XX/scrub> 2024, as confirmed during a recorded phone conversation on XX/XX/year>2024. However, the company failed to send me the legally required validation notice within five days of their initial contact, in violation of 15 U.S.C. 1692g. 

Erroneous Reporting of Debt : The alleged debt pertains to a XXXX XXXX account that I have not been associated with for over six years. Given the time elapsed, the debt likely falls beyond the statute of limitations for collection in North Carolina. Despite this, Southwest Credit Systems has either reported or is attempting to report this account to consumer reporting agencies. 

Unsubstantiated Collection Attempts : Despite failing to provide proper documentation substantiating the debt, Southwest Credit Systems continues to pursue collection efforts, which is a direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1681s-2 of the FCRA. 

Recording Evidence : I have a recording of the phone conversation with Southwest Credit Systems on XX/XX/scrub> 2024, during which their representative admitted to receiving this account on XX/XX/scrub> 2024, but no written notice was ever sent to me.
Product: Checking or savings account

Here is a summary of the chain events leading up to today : XX/XX/XXXX - my wife and I visited Washington Federal 's branch location on XXXX XXXX after receiving a letter indicating we owed Washington Federal money. We thought it was SPAM,  but given the branch was near our house, we went in to confirm there wasn't some type of mistake. We spoke with XXXX, who informed us that approximately five years ago, Washington Federal acquired XXXX checking accounts for XXXX-based accounts. Despite the fact that my XXXX account was established in XXXX, because we now live in XXXX, we learned that our account was affected by this. Based on the records that XXXX was able to pull up in the Washington Federal system, unbeknownst to us, Washington Federal began applying monthly fees to our account for at least the past 18 months, effectively draining it of every penny to the point where Washington Federal was now informing us that we owe the bank money. Upon trying to determine why this was happening, it was evident that there was no cost being incurred to Washington Federal, but simply that new terms had been applied and that this was at the discretion of WashingtonFederal.  I was also told by both XXXX and, subsequently XXXX XXXX the Washington Federal regional VP, that we had been suitably notified of the account changing hands from XXXX to Washington Federal. I can not confirm if anything was ever sent from either XXXX or Washington Federal on this matter, but I can confirm that my wife or I never received any such notification. Never. Moreover, after I established the XXXX account ( I believe in 1993 ), at some point several years later as a XXXX employee I was given a lifetime account that was to be free of administrative-based charges XX/XX/XXXX ( after a series of voicemails and short chats ) - XXXX and I spoke and XXXX reiterated the bank 's offer to close the account and pay back one year 's worth of fees, equaling approximately {$120.00}. XXXX also indicated that the balance of my account when it transferred from XXXX to Washington Federal was approximately {$230.00}. The bank 's position on this is that this offer is more than fair given its policy of only going back and reversing three months of charges and that I, as the account holder, should have been checking my balance more frequently.
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of inquiry issue with TransUnion I didn't apply for anything ..
Product: Bank account or service

I was notified XX/XX/XXXX that my account had been frozen because the bank noticed a Security/data breach to my account. When I was able to contact them XX/XX/XXXX I was told they would only be able to unlock my debit card one time for an ATM withdrawl. I had informed them that in two days ( XX/XX/XXXX ) there would be a direct deposit from my employer that I would need access to in order to pay my rent, utilities, gas for transportation and food but that I needed access to the funds that were currently in the account in order to put gas in my car so I could drive home from work, 40miles away. They did unlock the debit card that evening then locked it down again. On XX/XX/XXXX the direct deposit from my employer credited the account as I had told them. I called again and was denied access to my debit card. I was then told I would be able to do an electronic transfer of funds to an outside account, but when I attempted to do so, I was not able to. When I called again they said they were mistaken and I would not be able to transfer funds after all. I then demanded a check immediately be expedited to me to be in my hands no later than XXXX XX/XX/XXXX. To which their response was I would get a check only AFTER they had completed closure of my account and that could take up to two weeks!!! 
This is n't THEIR MONEY ... ITS MINE! I earned it, I trusted them to keep it safe and they messed up and now they 're holding MY MONEY hostage! 
I ca n't wait two weeks to eat, to have gas to get to work every day, to pay my rent or my utilities! That 's not acceptable at all, not in any way, shape or form! 
We 're not talking about " extra cash '' someone may have lying around, this is EVERYTHING I have! My ONLY source of income! My only means for paying my everyday living expenses and they can only say : " Sorry for the inconvenience ''!? I 'm furious! I 'm beyond words with how angry, disappointed, violated..I feel!
Product: Debt collection

Ive filed several disputes with the credit bureau and the information keep coming back as accurate by the collection company. I called the XXXX number and each time Im told its my debt and they would send me my written and signed consent that I owe this debt and I havent received it. I asked that they cease and desist and remove the information from my credit file and they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company still reporting incorrect account from pmab llc that I do not owe money to.