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

I have not given you written permission to put anything on my credit profile XXXX XXXX XXXX Permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Product: Debt collection

I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.
Product: Mortgage

XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my Equifax credit report that was paid and not updated and removed. I have submitted three disputes with evidence that the collection was paid and Equifax continues to report erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disagree with the last complaint they did not address the issue. XXXX XXXX has Not been reporting accurately to Equifax credit bureau.XXXX XXXX state theres a block from XXXX which is a different company from Equifax. XXXX as advised me they '' re not going to report my account anymore to the credit bureau, but at the same time state they reporting accurately.Equifax says they can not change anything on my consumer report unless XXXX XXXX update the account. The balance your reprting i owe is incorrect..the status they '' re reporting for this account is incorrect.I disagree with the accuracy, completeness of the following information as being erroneously included on my credit report, as i advised on more then two separate occasions, more than 75 days ago again 40 days ago. Under FCRA thats in Violation, to continue to report inaccurate information sec 809 ( b ).
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiry ( XXXX ) made on my credit report. 


me : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX
Product: Debt collection

3 Remaining Negative Accounts. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : SANTANDER  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX
Product: Mortgage

SPSERVICING LOAN XXXX THIS HAS TO DO WITH COMPLAINT XXXX WHICH SPSERVICING HAS REFUSED TO RESPOND TO MY ISSUES, NAMELY... 

1. I HAVE BOTH FLOOD AND WIND INSURANCE ON MY HOME. 
2. I HAVE RECEIVED XXXX SETTLEMENTS, XXXX FROM FLOOD ( XXXX XXXX ) AND XXXX FROM WIND ( XXXX & XXXX ) ; 3. I HAVE SUBMITTED ALL THE REQUIRED DOCUMENTS AND CHECKS TO SPSERVICING FOR THE FLOOD PORTION. THEY STILL HAVE OVER {$9.00}, XXXX OF MY, REPEAT, MY SETTLEMENT MONEY FROM THE FLOOD INSURANCE. 
4. I HAVE RECEIVED A SETTLEMENT CHECK FOR OVER {$18.00}, XXXX  FROM WIND ( XXXX XXXX XXXX ). I HAVE FORWARDED ALL THE REQUESTED DOCUMENTS TO SPSERVICING BOTH AT THEIR FAX NUMBER AND ON THEIR XXXX WEBSITE; XXXX. THEY CONTINUE TO REJECT THE ADJUSTER 'S ESTIMATES FOR THE WIND PORTION WHICH I HAVE SUBMITTED ( SEE ATTACHED PAGE.PDF ) XXXX. I HAVE CALLED NUMEROUS TIMES AND THEY ARE NOT, REPEAT, NOT RESPONDING TO MY CALLS OR ALL THE FAXES AND UPLOADS REQUESTING AN EXPLANATION OF WHY THEY ARE REJECTING THE ADJUSTER 'S ESTIMATE ( WIND PORTION ) AGAIN THIS HAS NOTHING TO DO WITH THE FIRST FLOOD CLAIM WITH XXXX XXXX XXXX. 

THIS COMPLAINT HAS TO DO WITH THE WIND CLAIM WITH XXXX & XXXX / XXXX. SPS SERVICING IS REJECTING THE ADJUSTER 'S ESTIMATE AND IS REFUSING TO TELL ME WHY SO THAT I CAN RECTIFY THE PROBLEM THEY HAVE AND GET MY ROOF REROOFED!
Product: Credit reporting or other personal consumer reports

XX/XX/year> and XX/XX/year> Home Depot credit card Alleged late payment
Product: Checking or savings account

I received a letter in the mail from Chase Bank saying here was my new XXXX card. I immediately called the bank because I never ever had a chase account. The branch in question is closed down. I checked the mailing. So I now in my email from XXXX it saids that I now have a XXXX  card application. That's not me. I also put a freeze on my account. This maybe a chase employee or just someone hacking information. We have no chase branches in XXXX
Product: Credit card

Please note the above referenced accounts were opened fraudulently ; as a result of identity theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, email & phone numbers were also fraudulently used by the fraudster ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with XXXX XXXX, and 3 pts with Equifax ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both Equifax and XXXX XXXX about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with Transunion, however Transunion refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XXXX, 2024, I received an email saying that I have a minimum payment of {$30.00} due on a card I have never used. I called in the system tells me that I have a {$51.00} balance. I finally got a representative on the phone and she tells me that it is a {$49.00} annual fee ( new ) and a paper statement fee of {$2.00}. Also, a new fee. 

They tell me they sent me an email in XXXX of this year. I did a search of my email, all boxes, and there has not been an email from this company since XX/XX/XXXX, which, incidentally, was a change in terms regarding a late payment charge and returned payment fee. I was not interested in this since I had and maintain a XXXX balance on the card. In fact, I used the card only once and ended up having to dispute the charge and Fortiva helped get the charge refunded. 

I was transferred to a supervisor who also refused to refund the charges. 

I was refused the billing address for me. Would not confirm. 

Also refused to give me my full account number. They told me to get it online but I don't have access to that since I don't have the account number and billing zip code. 

All I know is that the last XXXX of the account number is XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX there was an unauthorized wire transfer from my citibank account for the amount of {$7500.00}, I have being trying to get my money back and the bank has denied my request please help me get my money back, I feel helpless please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX >Charge-off< Closed XX/XX/XXXX in accordance with the Fair Credit Reporting act XXXX XXXX Account 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
Product: Debt collection

i contacted ic systems about a debt i see on my credit report and i didnt know where it came from. i called to get verification from them and they told me to send in writing. i have never called this company and i looked at my credit report and it said date of last activity was XX/XX/XXXX on experian and XX/XX/XXXX on XXXX. the person who took the call verified that i had never called before as well. 

i believe they were or are re-aging the account on my credit report since the debt date is coming up on 7 years this XXXX. 

he told me the account was created in XXXX of XXXX and closed on XXXX of XXXX the XXXX year rule in tennessee is valid so they are guilty of re-aging my account.
Product: Credit reporting

my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/XXXX
Product: Checking or savings account

I contacted Citibank to check account bonus eligibility to make sure I did not have account within 180 days and was eligible for bonus before opening account. They confirmed I would get a {$400.00} bonus for Open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have screenshot of my chat with a representative on XXXX XXXX to confirm completion and credit of my credit on XX/XX/XXXX Account funded XXXX and completion on XX/XX/XXXX. 

After calling representative XX/XX/XXXX they opened a case to research the issue and resolve issue. I called for follow up on XX/XX/XXXX and representative said I no longer qualify for bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute letter to IQ data international and they did not respond, but then went ahead and posted incorrect information on my credit report and want to seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681b ( a ) ( 2 ), my consumer report must only contain information in accordance with my written permission for it to contain. I have not given permission for any of this information to be on my report. 

I spoke with XXXX, an agent of the Experian consumer reporting agency, and informed her there was information on my consumer report that had been unlawfully validated and deemed true. As the consumer, I am the only person who can validate a debt and informed her that this alleged debt was not mine and that it needed to be removed. 

She then stated they'd completed an investigation and found that the information was accurate. However, according to 15 U.S. Code 1681a ( e ), that means they'd conducted interviews with my family, friends, and anyone who would be able to speak on my character as the consumer. They did not do this. Therefore did not complete a lawful investigation and these items must be removed. 

XXXX then preceded to hang up on me after informing her that this information was incorrect and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account XXXX XXXX XXXX XXXX XXXX XXXX, 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WXXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a low balance of on my debit account at TD of {$6.00}. I fueled up at a gas station on a Wednesday after XXXX using credit. Knowing that it would run through as {$1.00} for a few days before the full amount processed. Where I would load up the account with more than enough money early Friday morning before the banks open. So no harm no foul and I would never reach a negative balance. As planned that's exactly how it all played out. Except that weekend TD decided the would still like to charge me an overdraft when there never was an overdraft or a negative balance on my statement. Huh? ... Funny how that works. Literally stole from me. Called to reverse the fee they refused and I will be closing my account immediately, as I do not like to do business with liars and crooks.
Product: Debt collection

Their app didnt show a payment was due after my loan was transferred to them so we didnt make a payment. After 2 weeks we starting receiving harassing calls stating we missed a payment and its a debt collection. I contacted several people and managers and explained the situation. This was their fault that the app wasnt updated. They apologized and said theres nothing we can do and we have to make a payment even though this wasnt our fault. After contacting several more people who didnt speak English I finally was in contact with someone who finally offered a payment plan to help us catch up. It was then reported to me credit I was late on a payment! I have never been late on a payment and started a dispute. ( It has since been taken off my credit report ) She stated she would follow up with me the following day and never returned my call. When calling back and requesting to speak with her mo one would connect me and no call was ever returned. Even after the payment plan was set up we were receiving multiple calls a day saying it was an attempt to collect a debt. I continued to call and try to speak with a manager and was offered a different type of payment plan to help us catch up. And we have made several payments at this point. Now we have entered into another payment plan!!!! Fast forward 4 MONTHS and 2 Payment plans later we are still receiving debt collection calls several times a day, weekends, holidays, late nights, up until XXXX at night. When we try to answer it we either get an automated call or someone just hangs up! I am so fed up with this disgusting company!!! If I could transfer my loan to another company I would!! They are horrible!!!
Product: Debt collection

XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.
Product: Mortgage

Select Portfolio Services own my mortgage loan On XXXX XXXX XXXX I wired SPS {$20000.00} Wire instructions provided on SPS website Verified the account number on SPS website is same as XXXX  wire status Now a year later SPS wants to foreclose Verified SPS did not credit my mortgage account with {$20000.00} payment
Product: Credit card or prepaid card

Discover closed my credit card over XXXX year about and up until several months ago I was making timely payments despite the credit card being closed. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I feel Discover forced me into a repayment plan I can not afford. I am a XXXX XXXX XXXX and I make $ XXXX. My Discover balance is currently {$3200.00} and I am seeking to settle for XXXX XXXX of what is owed within XXXX days, which would be {$1600.00}. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My XXXX the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX apartments. Who had issued a fraudulent debt in my name. I informed them that I have no knowledge of this debt that I had never lived in one of their apartments or any apartment in my life. And that this debt is fraudulent. They state it has my name my signature so it is a valid debt. And the only way to take care of it is if I pay a debt that I am not responsible for. Next I contacted Experian Credit Bureau and filed a dispute informing them that that is a fraudulent charge That XXXX apartments are stating I owe them for. Within a couple days of the dispute being submitted Experian notified me that they investigated the dispute and the they determined that it was a valid debt. I resubmitted the dispute a second time informing them that they need to reinvestigate because that debt does not belong to me. Again a couple days later they notified me that they determined that it was still a valid debt. So I contacted Consumer Finance and informed them that Experian is validating an incorrect debt on my credit report. Consumer finance forwarded the complaint to Experian and a couple weeks later Experian sent me a contract that had my name signed to it between someone signing my name. But the signature is not mine It's not even close to my signature it appears that a child signed my name. I sent a copy of that contract back to Experian with copies of other legal signatures of mine any copy of my driver 's license that has my legal signature and the handwriting is obviously not mine. And again they sent me a notification stating that they are not removing the fraudulent debt from my credit profile. If you look at the contract you can see that that information on that contract is not mine. It's not something I signed nor did I fill out. It's an easy visual inspection to see the it is fraud. And now I'm stuck with something on my credit profile that is not mine. I dont understand how a company can just say you owe them and your forced to pay them. I should not have to prove its not mine. They should have valid proof its mine to attach to my credit profile and they can't. What can i submit to prove the debt is not mine except send documentation showing my hand writing?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX Balance : {$4300.00}.
Product: Checking or savings account

I paid for services from someone I never received it from and Ive been trying to get my bank to cancel the services at this time but they said I dont have enough evidence to cancel it but they never asked me for any evidence