23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX is the power of attorney too XXXX  XXXX XXXX aka XXXX XXXX XXXX, companies. I am a beneficiary owner heir too this. Company request a copy of all beneficiary XXXX  information too this company from the old owner too me as the new owner, XXXX XXXX. Cpa accounting too what yall are doing with my .money as well .on the personal side of this company. And if i own XXXX XXXX  too same thing needed. A. Copy of operational agreement. XXXX. The cpmpany agent has this information. The public side want see it .the private side can only see this. ..if yall refuse too give me this information. Get ready for law suit and jail for abuse me..XXXX XXXX XXXX   .been deceased sense 1999 .and yall have fail too give me all legal paper too his estate .and cpa accounting. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Business address XXXX XXXX XXXX XXXX ga XXXX. Also i am ask for a 3rd party form too sign .on the behalf of my self too wellsfargo too give yall permission too get this information from XXXX XXXX Or XXXX XXXX XXXX. Too .also .this message is too wellsfargo and company too .i need all information as a beneficiary aka XXXX too all this information i am asking. I am seeking. Not a account. I am seeking ownership paper too all the businesses in this text.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem that I've been attempting to resolve since XX/XX/2021. I've done extensive research on compliance and found that Experian has beenviolating my FCRA rights and XXXX XXXX  compliance in how they report. I've called and written on numerous occasions. Please review my letters attached to this complaint, in which I clearly articulate where and how my FCRA rights are being violated, how they are not in compliance for XXXX XXXX, and how this is causing extreme HARDSHIP to myself and my family 's livelihood as a result of these COSTLY mistakes.
Product: Credit reporting or other personal consumer reports

XXXX  is reporting on my credit report a credit car I never open whit a different social y ready dispute this account with the credit bureau but when they send the paperwork to XXXX  they keep saying that account is mine, but when I called them and I provide the account number that is shown in my credit report, they can give me any information because theyre saying that account is no under my social.
Product: Money transfer, virtual currency, or money service

TD Bank will not link to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My Transunion score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with XXXX. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with Experian and called XXXX to find out why there was a negative report on my account. I got a run around from, purchasing some items while in XXXX in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in XXXX or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but XXXX declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against XXXX for the wrongful negative report as there was a charge after I paid up my account. I do not owe XXXX XXXX any amount and wish the negative report lifted from my account as it is erroneous.
Product: Credit reporting or other personal consumer reports

Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. Delete the THD/CBNA inquiry # xxxx, opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX XXXX XXXX ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ) .| Delete the XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the EXPERIAN XXXX XXXX inquiry XXXX XXXX  opened XX/XX/XXXX ). Delete the EXPERIAN XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts : 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 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Checking or savings account

I live in XXXX, and dropped off a check at a mailbox at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}, made out to my XXXX for his XXXX. 

On XX/XX/XXXX, I discovered that the check was cashed for {$5800.00} to an unknown payee, XXXX XXXX. The check appeared to have been stolen from the mailbox ( which has been happening often in XXXXXXXX XXXX XXXX XXXXXXXX ) and doctored. 

I raised the issue with my bank, Ally, immediately and closed the account. The bank promised to reimburse the funds as soon as they were available, but no action has been taken since the end of XXXX when the funds were listed as " pending ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been collected data with out my knowledge through my phone and computer and has violated my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and XXXX XXXX. these accounts are not mine they belong to my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS FALSE DEBT REPORT TO CONSUMER REPORTING AGENCIES 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- Amex learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address.

2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt.

3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other m=than me, the signor. This would only be valid if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking American Express to produce such agreement will be impossible to produce since it does not exist.

4. When I asked American Express to validate the debt, they sent me a letters on a grey scale sheet which suggests to me the letter was doctored with the wrong date since the card was issued in 2014and not in 2016 as suggested by their letters. American Express assumes that I do not understand the law and their bogus letter mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless Amex senior management knows what is going on or not does not matter since these employees are the face of Amex and whatever they do bind Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter with accounts that have dispute remarks, I am no longer disputing these accounts and would like the remarks removed
Product: Mortgage

I called about getting a loan modification back in XX/XX/2015 when our mortgage payment jumped to {$200.00} more a month. I explained the financial troubles we were in and they suggested a loan modification. I was told they would be contacting me with some paper work that they would need. We were not late on any payments before or after the loan modification was done. During the modification I was told to not make any payments as this would mess up the process. I asked several times if this would effect our credit report and was told no repeatedly. The modification was approved and we started making the payments right away. When going over my credit report I noticed they did state that we were over 120 days late in our payments. I have called them explaining what I was told to do during the modification process. I was recently informed that because they do not have any voice record of the conversation they will not change our credit score because they believe them to be accurate and true. Though they did correct some months due to the fact that they had the paperwork but did not have it inputted into the system. Even though our payments show we were never late until the modification was started. I would like the negative report to be removed as we only did as the company asked of us. I would have never stopped paying on my mortgage if they hadn't instructed me to do so. I was told just this past week I could speak to someone at the Chairman 's Line ; who basically asked me nothing but my loan information and then sent me the same letter that they sent to me prior. I am attaching the letters that were sent to me. I have also spoken to people that I know that work in the mortgage field and they have all told me the same thing, that during the loan modification process they can not process payments as it screws up the paperwork.
Product: Debt collection

Remove the fraudulent account from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warningXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/year>.
Product: Credit card

I noticed on my credit report that my Lowe 's credit card was closed. I called Lowe 's customer service to inquire on why was the account closed and who closed the account? I was informed by the customer service agent that the account was closed on XX/XX/XXXX, due to an increased credit history. I didn't understand why the account was closed due to a {$0.00} balance with Lowe 's and never being late with any Lowe 's credit card payment. All balances were paid within 30 days.The closing of the account was reported to two credit reporting agencies before I was notified. There is no mention in the Lowe 's Consumers Credit Financing information enclosed with my credit card, or billing statements that I would be judged during the holiday season on other high credit card balances. The closing of the Lowe 's credit card decreased my credit score. I was informed by the agent that I will be receiving a letter in the mail.
Product: Credit card or prepaid card

I was charged an annual fee on XX/XX/20. I have not used the card and planned to cancel it. I noticed the fee after the monthly payment was auto-debited from my account. On XX/XX/20, I reached out to them via their online portal as recommended by their phone system. I was responded to and was told I needed to call. Due to Covid-19, things have been very busy and I didn't call them until XX/XX/20. I was told that there is nothing they can do as you only have 60 days to request the fee to be waived. I told them I was in contact with customer service about the fee before the 60 days and was not told I needed to call support before 60 days. They would not do anything about the fee even though I have not been using the card. I think that is fraudulent. You can't dispute the charge on their website like you can any other charge. They are giving themselves preferential treatment to disputes and defrauding their customers because they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.
Product: Checking or savings account

I banked with US bank they closed my account because they couldnt verify a cashiers check I received from XXXX.They requested verification from BMO which XXXX made a letter of verification that the funds did belong to me.They still got my funds on hold even after they got the verification of funds verified through BMO.i have documents attached that the funds belong to me.At this point they are enduring me.Im homeless, lost my car, and lost job cause I am not able to get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed credit inquiries in which I did not authorize. 

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 -BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Child Support account currently listed on my credit report that is reporting inaccurate. This account has continuously caused me so much grief. When I first noticed it, it appeared to belong to someone else because the account balance was so grossly high, {$14000.00} and furnished as a collection. When I reported this account back in XXXX of XXXX, the balance was reduced to {$490.00} as of XX/XX/XXXX. This account balance does not reflect the balance of an account I have with the state of Missouri Department of Social Services. On XX/XX/XXXX, I received a signed document from the Missouri Department of Social Services showing that the account that I actually do have has a balance of {$0.00}. However, the report Equifax furnished on XX/XX/XXXX, shows an account with a balance of {$490.00}. Then, the same account shows a balance of {$920.00} that was updated on XX/XX/XXXX. 

I have sent letters in the mail to Equifax to try to resolve this matter as I am aware this agency is suppose to have procedures in place that assure they only report accurate information on my consumer report. Instead of correcting the inaccurate, they keep making changes and this is making things worse for me on top of the unneccessary stress. This account is obviously not accurate and should be deleted from my credit report. This is ridiculous! I have attached the letters from the Missouri showing how the information Equifax is reporting is, in fact, inaccurate. None of it is the same!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



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

I discovered multiple inaccuracies on my credit report, which I believe are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. Specifically : XXXXXXXX XXXX XXXX XXXX XXXX Accounts : These accounts are reported as having late payments despite the fact that I am protected by the CARES Act. Under the CARES Act, creditors are required to update credit information to reflect " pays as agreed '' if the account is in a forbearance or other CARES Act-protected status. I have demanded that these entries be updated accordingly to " pays account as agreed. '' XXXX XXXX Entry : This entry violates my consumer right to privacy under 15 U.S.C. 1681 ( a ) ( 4 ). I have requested its immediate deletion due to non-compliance with the protections outlined in 15 U.S.C. 1681a ( 4 ).

Additionally, there are inaccuracies in my personal information on the report that also need correction.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and correct any inaccuracies. Past court rulings, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trans Union XXXX, affirm that credit reporting agencies must perform a thorough and reasonable investigationnot just rely on automated processes. 

I have formally notified TransUnion of these inaccuracies and demanded immediate action. If they fail to resolve this matter within the mandated timeframe, I am prepared to escalate, including filing complaints with regulatory bodies like the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action for noncompliance under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). 

The response and corrections to my dispute will determine my next course of action.
Product: Vehicle loan or lease

Car was bought back in 2004 and was repossessed. I feel it's to old to keep showing up on my reports and for them to keep trying to garnish my pay.