23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some inaccurate information. This account is stopping me from buying my dream house. This account listed below should not be in my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what's really happening? Please help me out! 

This Collection account has been paid in full and should be deleted on my Credit report ; XXXX XXXX XXXX ( Original Creditor : 09 XXXX   XXXX FL ) XXXX
Product: Credit card

I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.
Product: Checking or savings account

I received an email 10 days ago that a debit account was opened with my name spelled as XXXX and with a bank from my hometown Frost bank. Email received on XXXX, XX/XX/XXXX, XXXX I have called the bank and the account was closed I do not know what other information was stolen from me.
Product: Mortgage

Long story short, I almost passed away last year due to XXXX complications, resulting in massive medical bills and financial hardships to my family. Freedom Mortgage put us in foreclosure. 
XX/XX/2019 we had the house under contract, I submitted and called Freedom to ensure they were informed. I also contacted VA loans and provided BOTH with the contract. 
Freedom denied any further paperwork from me. XX/XX/2019 I called Freedom and their attorneys to ensure all paperwork was there to cancel the auction for XX/XX/2019. 
XXXX XXXX had no indication we had a contract, after more than the 48 hours Freedom had to report. I emailed the contract to XXXX and contacted Freedom in which they stated they needed more paperwork that they never contacted myself or my husband to get. The listing and HUD. The listing was sent XX/XX/2019 and the HUD will take 48 per the title holders requirements. 
Freedom is very much aware of this process and failed to disclose. 
Freedom told the VA that they have to approve our short sale. This is NOT a short sale and they are aware. We owe XXXX and the contract is for XXXX. Freedom is stalling and failing to disclose the needed information. They have chosen to force us for approval of short sale when legally this is absurd. We are not selling for less by any means! 
This home is under contract and the buyers loan is already approved. Freedom can not legally stall or fail to inform us of what's needed for their own gain. It's unacceptable and unethical. They need to be held to the standards as everyone else. 

Attached is the listing and contract for sale.
Product: Mortgage

We ( my wife and I ) had 2 homes mortgaged that were both serviced by and/or foreclosed upon by Wells Fargo XXXX after several attempts to complete a loan modification with them. We received a letter explaining that we were entitled to a portion of a settlement from a lawsuit against them for a XXXX XXXX XXXX that was over charged. We tried to notify them that we never received our settlement check and had moved but they never confirmed how to get my check and gave me the run around when we attempted to give them our new address. We never got that settlement payment. 

We have also been made aware that there has been a settlement regarding actual foreclosures. We were never reached out to, at our current address. We believe we are entitled to a settlement due to the improper foreclosures as well. However, Wells Fargo refuses to acknowledge our change of address and send us our settlement checks.

I am enclosing a copy of the first page showing my wife 's and my name on the letter we received, a copy of the second page, acknowledging that we had a home loan with Wells Fargo between XX/XX/XXXX XXXX XX/XX/XXXX. I am also showing an old credit report that shows the Wells Fargo loan that I had in my name. However, there was a second home we had with them that was in both my wife 's and my name. We attempted a loan modification on both home and both homes were foreclosed upon.
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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account.
Product: Debt collection

On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, and I did notice that there were several and accuracy on my account. These accounts were opened without my permission. I am asking for an investigation into these accounts to ensure that accurate information is reporting on my credit report. The accounts that I am asking you to investigate are listed here. I have attached documentation to support these claims as well. These accounts are hurting my ability to obtain credit and it is my understanding that the bureau will investigate these accounts for me to ensure accuracy. 

I have attached a copy of my FTC report as well. 

XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

THIS COMPANY HAS REPORTED ME TO ALL 3 CREDIT BUREAUS A COLLECTION ACCOUNT I KNOW NOTHING ABOUT & WAS NOT NOTIFIED. THERE LAST RESPONSE STATED MY ADDRESS DID NOT MATCH, HOWEVER THIS COLLECTION ACCOUNT IS STILL REPORTING AS A NEGATIVE ACCOUNT THAT IS HURTING MY CREDIT. THIS ACCOUNT WAS NOT VALIDATED AND WANT IT OFF MY CREDIT REPORTS UNTIL THIS ACCOUNT CAN BE VALIDATED BY LAW G C SERVICES XXXX XXXX  {$470.00}
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX, JPMCB CARD XXXX
Product: Debt collection

I noticed on my credit report the company name the best service co/Ca is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
Product: Debt collection

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXXx Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning : 1 ) I sent the same letter XX/XX/XXXX, to TransUnion, XXXX and XXXX asking for correction to my credit report that was NEVER accurate to start with. I asked for my THIRTEEN years employment with XXXX XXXX XXXX in XXXX XXXX  to be on my credit report. As per copy enclosed I was employed by the XXXX  from XX/XX/XXXX to XX/XX/XXXX WHEN I RETIRED. 
I also asked for address correction, this was NEVER done either. 
2 ) I received a response from XXXX, telling me : " We are unable to locate a credit file in our database with the identification information you provided ''. So, whose credit score am getting??? 
I received a credit report from TransUnion -which I did NOT asked for- totally erroneous. TransUnion is listing an XXXX XXXX Credit card that does NOT belong to me. They also list a XXXX, XXXX address in XXXX, when I moved out of XXXX in XXXX and NEVER went back. Last but not least, they have me currently employed by the XXXX, when I retired 8 years ago??? 
As for XXXX, they did NOT respond at all. 
I only asked for my free credit report once, in XXXX, and gave up because all three bureaus provided completely erroneous reports. 
So, whose credit score am I getting each year with totally false credit reports? I haven't taken a loan in 30 years, my XXXX   XXXX XXXX XXXX, XXXX and XXXX XXXX have ALWAYS been paid before due : I should have a stellar credit score. 
I'm asking for all 3 bureaus. to please clean up AND complete all 3 credit reports so I may finally receive this year a correct credit report and credit score.
Product: Checking or savings account

On XX/XX/XXXX someone created a Chime Account in my name as I received a " welcome to Chime '' email and per the email : " In the meantime, were personalizing your Chime XXXX XXXX XXXX and will mail it out in the next few days. Need to make a purchase? You can use your digital cardits in the app under Settings ''. 

On Mon XX/XX/XXXX a deposit was made to this account for {$1000.00} ; the following day 2 withdrawals were made for {$400.00} and {$100.00} to individuals thru the Chime phone app similar to XXXX. 

On Tuesday XX/XX/XXXX I received an email from Chime that my phone # regarding this account had been changed to an unfamiliar # at which time I called Chime Support and began working to stop this fraud activity. After proving my identity to Chime I was able to access this account & app ; This account had an old address that I had moved from nearly 2 years ago. 

The person ( s ) had tried to purchase merchandise during this time but I was able to turn off the " allow transactions '' in the app. 

This situation is still ongoing as-of today XX/XX/XXXX.
Product: Checking or savings account

From XXXX Wells Fargo charged me fee after fee after fee totaling several thousands of dollars
Product: Credit reporting or other personal consumer reports

FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my XXXX credit report, it's showing that my closed account with DITECH is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX I have a letter from DITECH supporting this information and I have presented this to XXXX. The dispute results states that they contacted DITECH and they said the report is correct despite the legal document that I have, signed by DITECH and issued onXX/XX/XXXX stating the contrary.

I have contacted XXXX   multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to XXXX ( XX/XX/XXXX ) the operator told me that i have to contact DITECH as they can not change my reporting even with the legal documentation i have provided showing the opposite.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX I, has violated my rights by reporting a fraudulent, identity theft, collection account to TransUnion credit bureau with no account number listed, in the amount of {$430.00}, in an effort to knowingly collect a debt it is not owed. XXXX XXXX XXXX is reporting an open collection account with an open date of XX/XX/year>, to TransUnion credit bureau damaging my credit and my reputation as a consumer. I have no open accounts with XXXX XXXX I, nor have I ever done business with XXXX XXXX XXXX I have never heard of XXXX XXXX I, nor has it ever contacted and/or communicated with me in any manner before or after reporting said fraudulent account to TransUnion. XXXX XXXX I, has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I contacted the bank on a transaction that had not yet posted in my account and stated I had money to cover the transaction when it posted and they still charged me an overdraft fee regardless it posting.
Product: Credit reporting

I first disputed these inaccuracies which came from identity theft since 2014. Ive been going back and forth with experian for years about these same accounts. I sent my police report from the XXXX Police Dept. they refuse to adhere to my complaints. Experian refuses to follow the laws that govern credit reporting agencies. Im a victim of identity theft and I cant understand how or why Experian wont follow the law. I also filed this same complaint to the XXXX because they are illegally breaking the law by not accurately reporting on my personal credit report.
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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I have not been working due to a medical condition and high risk to XXXX XXXX. I have paid ERC for the XXXX account, XXXX, and XXXX but its still reporting on my credit report and its hurting my credit negatively. Since the accounts have been paid please delete all accounts from all 3 credit bureaus.
Product: Mortgage

We were Suppose to close at XXXX this morning! Bank of America refused to fund loan at XXXX yesterday! They went all the way to the last minute and refused to fund it! After charging the buyer all the fees to prepare the loan, then they bailed at the last second because the 90unit condo has a reserve of {$300000.00} with an insurance deductable of {>= $1,000,000}. The buyers are putting {$290000.00} down on a {$510000.00} condo! This bank has lost their minds and has cost both the buyers and us the sellers time, money and aggravation out of their own incompetence to execute the very basic of services XXXX providing loans ) The buyers have a XXXX credit score and a house paid off in XXXX worth triple this one. This bank needs to be broken up in my humble opinion! They are toooooooo big and have tooooooo much power to be allowed to perpetrate this kind of misery on its customers!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Student loan

In regards to XXXX XXXXXXXX XXXX : I made multiple attempts to find out what happened to {$640.00} of payments to my account since XXXX and its now XXXX and still no resolution and now threats of negative credit reports. I am now contacting the California XXXX XXXX, My state senator, and the XXXX 's XXXX. XXXX XXXX is extremely incompetent and should not have any control over student outcomes regarding such an important aspect of our lives. Basic accounting skills, payment paid then credit to the correct account? Not so simple XXXX XXXX. It is a distraction from XXXX XXXX, but it's ok at some point they will have to account for where my $ is and correct their multiple multiple errors. They really should look into there hiring practices ....
Product: Student loan

As per the prior complaint file number XXXX I am now escalating this as the response given is not accurate. Navient through taking out a loan made a negotiable instrument that was then used and sold on the primary and secondary market. I was not aware that they have been selling this every time a loan was taken out. I have revoked their POA via the IRS. Also the 1099-C that has been shown is a valid 1099-C accepted by the IRS. So the company not complying with the directions prior would be seen as tax fraud along with this, I asked for my securities back from them and I have received nothing. Again another violation with the SEC. 
Navient is not providing correct fiduciary duties and are in dishonor. I have included the 2848 form along with a XXXX  of the 1099-C 's being accepted by the IRS. I also included the recent 1099- C. As I am the lender for the account/s and the securities would not have been made unless I had an account with them. I am in contact with the IRS and they stated I can manage the account now since POA was revoked. I have also included the arbitration paper that I will be installing in a week depending on the outcome provided by Navient. 
Also I did not give permission for them to sell my information again to XXXX and then XXXX. Again the securities that have been made off of this have not been given to me or deposited into my account. With the forensic audit I have I know they have sold my information many times. At this time Navients power of attorney is no longer.