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

Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

RESIDENT VERIFY Tenant Screeners XX/XX/2022 Experian XXXX Miscellaneous Finance XX/XX/2022 XXXX PEOPLE FUND Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX Credit Unions XX/XX/2022 Experian XXXX - XX/XX/2022 XXXX
Product: Mortgage

1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work to be done, I will have to walk away from my mortgage. Either way I lose. Can anyone advise or help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card company fraudulently charged me for " account protection '' that I refused. Then they agreed to remove the charges, but charged me late fees for the unpaid balance that I disputed and they agreed to remove. They stated that they would not report me to the credit bureaus until the issue was resolved, but the have reported me twice as delinquent and owing a balance. I have two letters from them & multiple emails, stating that I have had a XXXX balance since XXXX 2017 and they 're still reporting me as late. This has caused my score to drop by over 100 points. They keep telling me it will be corrected, but the damage is done. I have disputed this with the credit bureaus, but they tell me to go back to the credit card company.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$1500.00}, and account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX
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 it. 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 corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX A Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Hello I sent a letter to all 3 agencies plus XXXX XXXX  about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor " XXXX & XXXX '' has my credit report listed with two accounts ; I've only opened one account. XXXX, XXXX & XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX & XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt XXXX. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Product: Mortgage

On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time.
After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. 
I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. 
I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. 
I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.
Product: Debt collection

I got XXXX XXXX  debt that should up on my credit report that is not mines and I'm a victim of identity theft XXXX  amount owe XXXX account # XXXX and XXXX  XXXX account # XXXX both are not my accounts
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 
Account Name ... .... XXXX XXXX XXXX .... Account # XXXX .... Account Name ... XXXX XXXX.. Account Name .... XXXX XXXX XXXX  .... 
15 U.s.c. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A-Section 2 : It also States a consumer reporting agency can not Furnish a account without my written instructions. 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No Consumer reporting agency may make any Consumer reports 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. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency if the person knows or has Reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

With COVID, I found myself in a financial bind on XX/XX/XXXX, the only option for me was to take the loan ( {$400.00} ) at 600 % from Tan Oaks Lending. My paycheck was deposited in my account after XXXX  on XX/XX/XXXX. I called the company based in UT at XXXX XXXX  PST to pay this loan off. 

The representative was EXTREMELY rude, then proceeded to tell me that the payment would not be processed till tomorrow. Upon requesting to speak to her manager, she continued to be rude and made no effort to connect me to him. The Rude Rep Ms. XXXX aside, to not process payment the same day is EXTORTION and FINANCIAL XXXX! Most financial institutions have a sane day cutoff at XXXX XXXX  EST. Further more, I was not informed that they would hold the loan for an extra day to pillage, from the struggling! 

How can the FTC and CFPB allow this, it is no wonder the poor in America are getting poor, it because of financial XXXX  like Tan Oaks Lending. If Tan Oaks Lending, their executives and management are too incompetent to have a payment processed the same day before XXXX XXXX  EST, then shame on CFPB for allowing them to be in business, still shame in the CFPB where companies are allowed to charge 600 % and upwards on a loan, how is some ever to get out such a hole. You are the government, supposed to be for the people, by the people!
Product: Debt collection

It has come to our attention that a collection agency is attempting to collect a debt under potentially fraudulent circumstances, and we are concerned that their actions may be in violation of both state and federal laws. Specifically, we have identified the following issues : THIS COMPANY IS NOT LICENSED TO COLLECT ANY DEBT IN THE STATE OF NEW JERSEY. THEY ARE COMMITTING FRAUD.

1. Identity Fraud : The collection agency appears to be misrepresenting their authority or identity, which may constitute identity fraud under applicable state and federal laws. Pursuant to UCC 9-102, any claim or debt collection must be based on legitimate, verifiable obligations, and any misrepresentation by a debt collector about the nature or ownership of a debt is prohibited. 
2. Improper Threats of Wage Garnishment : The agency has threatened wage garnishment despite not having legal grounds or the necessary jurisdiction to enforce such actions. According to UCC 9-506, a secured partys action to collect on a debt must be carried out within the appropriate legal framework, which includes having the proper licensing and jurisdiction. Any threat of garnishment made by an agency without the requisite legal authority constitutes an illegal and potentially coercive practice.

3. Lack of Licensing : The collection agency has indicated that they are attempting to collect a debt in a state where they are not licensed to do so. UCC 9-607 requires that debt collectors act in compliance with local licensing and regulatory requirements. Operating without proper authorization or failing to comply with the regulatory requirements of the state in which the debt is being pursued constitutes a violation of debt collection laws and can lead to significant legal consequences. 

Given these issues, we strongly advise immediate cessation of all collection efforts by this agency until they provide clear evidence of their lawful authority to collect this debt, including verification of the debt itself, proper licensing, and appropriate jurisdiction for any wage garnishment actions. 

Failure to comply with these statutory requirements will result in legal action to protect the rights of the debtor.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Credit reporting

I 've disputed these public records multiple times and provided the proof that they are reporting these XXXX accounts inaccurately and they fail to remove them or correct them, which is in violation ofthe FCRA. XXXX removed both of them because they could not verify them, as they did not have first hand knowledge, and no proof that these accounts were reporting correctly and Equifax repeatedly comes back saying they are verified. Both have been released or satisfied and yet they are still reporting a balance and dates that do not exist! These XXXX must be removed immediately. 

XXXX XXXX XXXX - XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately! 
XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately
Product: Checking or savings account

My social security check was deposited in my Chime account on XX/XX/year> @ XXXX XXXX and someone did a withdrawal of {$1700.00} at XXXX XXXX and {$300.00} at XXXXXXXX XXXX the same day. 

Chime knew that the money was deposited in the XXXX XXXX XXXX XXXX XXXX in Missouri and they also knew that I did not have the account number of this bank. They were informed that I have never lived in Missouri and never heard of the bank where the money went.
Product: Credit card or prepaid card

On XX/XX/2018, XXXX 's denied my credit application in a letter that contains discrimination on its face. The letter is attached to this complaint. The letter was issued in violation of XXXX 's company policy and the XXXX XXXX XXXX
Product: Credit card

Navy Federal was contacted multiple times in XXXX XXXX XXXX to dispute charges on my closed card. While the charges were initially disputed, the case was closed since I did not upload documents within their timeline. The documents were not uploaded as the reason I closed my account is due to constant issues with their online systems. When I called back on XX/XX/XXXX to inquire about other ways to send in the needed documents and re-open the case, I was told XXXX that online was the only way. When I explained that online did not work ( i offered to mail documents in ), I was handed off to the supervisor, XXXX, who was completely unwilling to dispute the charges regardless of what the reason was. I used the credit card to be protected and Navy Federal is unwilling to provide protection to its card holders against unauthorized charges. Document is not attached since this is solely due to Navy Federal flat out refusing to put the dispute though
Product: Checking or savings account

My name is XXXX XXXX I need my claim Claim # : XXXX to be reopen or appeal or dispute again or reinvestigated because I got a email today saying this Information about your online fraud claim Inbox XXXX Wells Fargo Online to me XXXX hours agoDetails Claim # : XXXX Dear XXXX XXXX, We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

Please call us at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. Well be able to answer any questions you have at that time. We also offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, Claims Assistance Center Online Fraud Claims And when I called them some agents didnt want to help me or or didnt understand what I saying and when I call back another agent didnt help me he say it was closed and when its not closed I need to add this information to the claim I didnt unauthorized the payments when yall reopen the claim up if it is closed it closed yall closed it out for no reason when I got a false email asking me to call yall for more information and I did that and reopen my claim up and investigate it again or give me a one time credit for the total amount and also add this to my claim I didnt authorized the payment its is fraudulent and send me the information yall requested from me so yall can use that information yall get from me later to add on to my claim later and he also unblock my login XXXX but he didnt unblock my XXXX access I need it to be unblocked too still it say this As youve requested, weve removed your access to XXXX. 

If you have questions, were available XXXX at XXXX.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX
Product: Credit card

Macy 's Credit card services and their in-house collections Company, Citi-Bank, claim that my account with them is unable to be resolved. I want to pay the debt, but Macy 's wo n't accept payment because they have a 5 year statute of limitations. Since they are no longer looking for payment they claim I owe nothing, however they will furnish no correspondence to me to that effect. My concern is that the bureaus wo n't update it to show that I owe nothing because Macy 's wo n't update this with them. The Bureaus will continue to report for 2 more years, in the meantime Macy 's still reports on my credit account as recently as XXXX XXXX, with the initial being in XXXX of XXXX.
Product: Payday loan, title loan, or personal loan

I needed some extra funds to repair my vehicle and to pay off a few bills. I applied for the installment loan last week with the understanding that I would receive payout on Saturday. It is now Thursday and I have not received my funds. This has caused a ripple effect : overdrawn bank account, hundreds of dollars in overdraft fees, denied payment on bills, appointment scheduling. Ive made contact with the institution every day this week, and Ive been told the funds would, not should, but would, for a fact, be in my account by the end of the day. For four days now Ive been told this. I have still not received a single dime. At the same time, Ive accrued {$75.00} in interest on this loan that I have not taken delivery on in one week. Also, my first payment to pay the loan back is tomorrow. This should be illegal.
Product: Credit reporting

I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.
Product: Checking or savings account

A transfer of {$8000.00} was made from my XXXX XXXX XXXX account to XXXX : by XXXX XXXX account on XX/XX/2022. 

The XXXX : by XXXX XXXX account was locked on XX/XX/2022 without any justifiable reason provided. 

I have made several calls to XXXX : by XXXX XXXX to return the transferred funds of {$8000.00} and it is yet to be resolved.