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

I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Product: Mortgage

I was charged 4 days of interest on two loans, simultaneously. I asked XXXX XXXX XXXX XXXX ( the escrow company ) and the person handling my escrow referred me to the loan officer. The loan officer referred me back to the escrow company. 

I paid United Wholesale Mortgage interest from XX/XX/2020 to XX/XX/2020. 
I paid interest to XXXX XXXX from XX/XX/2020 to XX/XX/2020.
Product: Debt collection

When I moved out of XXXX XXXX  in XXXX of 2019 they sent me a bill after the fact for {$110.00}. I immediately contacted them and requested an itemized invoice and proof of the debt since I had cleaned the apartment and I took pictures of everything. I never received anything from them to prove the validity of the debt. 
They then sent it to Genesis Debt Management who contacted me on multiple occasions and I forwarded them the email contacts I had with the originator and requested that they send me an itemized invoice. Again I never received anything. 
They did not respond and then about every six months it seems like someone new sends a letter from Genesis. 
I send them the same information and request each time for them to provide proof of the debt which I still have not received to date. 
Now they have put this on my credit report and I am at my wits end with it. 
I have filed a report with the better business bureau also and will be contacting a lawyer to see what my rights are should I need to file suite against them. 
Your help in getting this resolved immediately is very much appreciated.
Product: Debt collection

Due to the loss of my documents and my phone I have suffered an identity theft for which my credit report has been affected. In this case, the XXXX XXXX reported 3 accounts to me, which owed a very low balance and I was able to pay them. But they are still negative in my XXXX credit report.
Product: Mortgage

We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?
Product: Debt collection

Phoenix Financial acct # XXXX DOS- XX/XX/2017 {$2200.00} I have sent them a certified letter requesting verification about this.
Product: Money transfer, virtual currency, or money service

I fell victim to a fake XXXX XXXX scam. I sent a wire transfer in the amount of {$1600.00} from my local XXXX bank to an account at PNC. I reported this incident to XXXX and PNC. I was contacted by XXXX, informing me than PNC was unwilling to return the funds. XXXX informed me that I had to contact PNC personally to seek a resolution because there is nothing XXXX can do.
Product: Debt collection

Ive tried to request copies of the alleged debt purchase agreement that gives this company the legal authority to collect they refused. Ive tired to dispute it through the credit bureaus this morning I received a notice that the collection company has reported this alleged account as 120 days past due to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURCHASED XX/XX/XXXX USED XXXX XXXX XXXX FROM XXXX XXXX XXXX IN XXXX GA, XX/XX/XXXX. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO EQUIFAX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR XXXX XXXX XXXX IN XXXX GA. I AM XXXX XXXX XXXX AND XXXX VET. HAVING 2 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.
Product: Mortgage

I had a mortgage with XXXX  XXXX XXXX. XXXX  XXXX XXXX transferred the title of the house to XXXX XXXX XXXX and I bought the house free and clear from XXXX XXXX. I used a hard money lender named Athas Capital and I borrowed {$130000.00} and purchased the home. Somewhere along the lines fraud came into play. XXXX XXXX XXXX says they never transferred the title to XXXX XXXX and that they still own the house. Meanwhile, I closed on the house with XXXX XXXX XXXX and Athas Capital and they say they own the house. Meanwhile, I have two banks saying they own the house and if I don't pay them, they are going to foreclose on the house. Now I am stuck paying 2 mortgages over $ 3000+ for a {$130000.00} house and I can't afford it. I have been asking both mortgage companies to figure out who owns the house but they both won't. I have been paying 2 mortgages now for almost a year and its really crushing me financially. Both of these mortgage companies have title insurance and one of them needs to exercise it and recoup their loss.I need your help to make them settle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, Experian, XXXX  ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( XXXX  ) ; XX/XX/2016 ( Experian & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has been sued before because of incorrect reporting. My consumer attorney had them investigated ( and sued ) a few years ago for discriminating information gathering ; about minorities on my job. Now after our consumer attorney painstakingly worked to fix problems with the credit agencies about not correcting civil judgment lawsuit information ; I was encouraged to check out three other credit agencies for correct information. 
I contacted Lexis Nexis, and they sent me a report that contained not only wrong information, but had infused my sisters name and info and my fathers driving record. This is an invasion of privacy. 

Correct : I did have a traffic citation ( 39 before the 35 mph sign on a road ). I paid the fine early and my license was never suspended.

They have : Me XXXX and license suspended. I sent them three records : XXXX XXXX, never ended ; Court record, paying fine ; and DMV record, never suspended. I did this by XX/XX/2020 ; and they have not responded. 

I am thankful that we have consumer attorneys looking out for us, as I would have thought that after the former lawsuits, Lexis Nexis would be conducting lawful business. I wonder how many jobs were lost because of their carelessness toward citizens. 

I would appreciate if they would do the right thing and correct wrongs and respond to inquiries when asked without us having to report them. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from factortrust on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for discover bank on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX credit on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, Chase JP Morgan decided to close my account due to reason they " could not maintain my account due to frequent thefts ''. However, they did not send me a cashier check for my balance of {$78000.00}. I went to a branch and they said my account was restricted and could not issue me a check for my balance. I called the back office and they said the same, saying it would take time for them to " review '' my account before releasing me any of my money.

This is my money and I need money for everyday spending. THey can not just keep the money and block my card and not releasing me any cash and tell me to wait forever. THat is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated. The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 
The Debt Collection agencies are as follows XXXX  Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 XXXX
Product: Debt collection

On XX/XX/20, payment was paid in full after conversation with suburban credit corporation regarding the payment. 
I offered to pay XXXX XXXX XXXX directly and he said, just pay the original amount to them and he will adjust accordingly. So on XX/XX/20, I paid $ XXXX to Suburban Credit. 

Now they are billing me for $ XXXX demanding I pay them a collection fee. When I called, I was rudely informed by XXXX XXXX that, Im going to put on your account that you refused to pay and Promptly hung up!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA ( Date opened XXXX XXXX, 2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
Factual Data appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry.
XXXX XXXX XXXX  appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone.
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company.
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXX. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NC 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 an account without my written instructions
Product: Debt collection

This company and I never did business together. I never held a contract of any sort with Midwest Specialty Resale. This is FRAUD.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Date Opened XX/XX/XXXX {$560.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX Date Opened XX/XX/XXXX Balance {$340.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Product: Checking or savings account

My parents home was burglarized and a checkbook was stolen. From the checkbook there were a total of XXXX fraudulent checks written for a sum of {$15000.00}. Within a few days I was reimbursed {$4600.00}. The remaining {$11000.00} was investigated by the banks check fraud department. Ultimately my fraud claim was denied, the bank deemed the signatures to not be forged. I provided all documents including a police case number for the burglary. At this point I do not know what to do to further pursue recovery of the {$11000.00}. The bank in question is Bank of America.
Product: Debt collection

Once I told them that chartity suppose to took care the bills they was very rude they will be hearing from my lawyer ASAP if everybody else was paid off why they still calling.
Product: Mortgage

midland credit management wont provide release of lien after account been satisfied after closing of my house
Product: Credit reporting 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 correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : -
Product: Mortgage

I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # 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: Mortgage

I have been in the process of working with PNC on a loan modification and they are going forward with foreclosure. please investigate for dual tracking.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX and 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

This this the third time I am reporting unauthorized accounts and unauthorized injuries on my credit profile.
Product: Money transfer, virtual currency, or money service

I sent a rent payment to XXXX XXXX for rent in the amount of {$75.00}. They in turn closed both of our accounts and kept the money. They didn't provide the service that was advertised nor tried to return any funds.