23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The FCRA, as you are aware, is designed to protect the rights and privacy of consumers like myself. One of the fundamental provisions, outlined in 15 USC 1681 Section 602, guarantees my right to privacy. In accordance with this provision, I firmly believe that my financial information should be treated with the utmost confidentiality and accuracy.

Moreover, I draw your attention to 15 USC 1681 Section 604 ( a ) ( 2 ), which emphasizes that a consumer reporting agency can not furnish information related to any account without obtaining my written instructions. It is imperative that the accuracy and integrity of the information shared with creditors and lenders are maintained at all times, aligning with the principles of this provision.

Additionally, I would like to highlight the significance of 15 USC 1666b, which underscores that a creditor is not authorized to classify a payment on a credit card account, governed by an open end consumer credit plan, as late for any purpose without proper cause. This provision seeks to ensure fairness and transparency in the treatment of credit card payments, a vital aspect of maintaining an accurate credit history.
Product: Debt collection

opened on XX/XX/2018. credit report shows I owe {$120.00}. did not receive proper notification of this collection.
Product: Mortgage

PPH MORTGAGE IS SHOWING MY ACCOUNT PAST DUE FROM DEC 2019-MAY 2020. THIS WAS DURING COVID, I CALL AND TALK TO SEVERAL REPS. THEY SUPERVISOR SAID THE WOULD UPDATE THE XXXX  DUE TO COVID
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out end of last year when I tried applying for a car loan that a Capital One credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX  ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. Capital One responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems Capital One is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. Capital One is not attempting to collect from that address. Capital One Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.
Product: Mortgage

Loan opened in XXXX biweekly payments paid until wife became I'll. We were paid in advance by payroll deductions twice a month. Original loan amount less than {$47000.00}. The loan amount was paid down to less than {$24000.00}. During bankruptcy we paid {$17000.00} those numbers are off. Plus we paid direct from XXXX XXXX over {$10000.00} and then another XXXX after we canceled the bankruptcy so we could sell the house. That's over XXXX and doesn't include the original biweekly payments prior to sickness. They hold money and don't post to increase finance charges, they are being sued via class action lawsuit due to hazmat insurance and they straight up defrauded us. I have a check they sent in the amount of {$440.00} but won't cash it as they considere that business concluded. They show no payments made from Bankruptcy filing to dismiss it so we could sell the house from XXXX, XXXX until XX/XX/XXXX and they were more than paid in full. They were charging the house taxes fraudulent as well. please help. thank you
Product: Debt collection

Around XX/XX/XXXX I was surprised after applying for an apartment. The application was denied because IQ data international reported I owe XXXX XXXX  {$1900.00}. 
I contacted IQ data international and was in contact with an agent who was rude and adamant that I owed {$1900.00} and when I explained to him that the charges were wrong because I paid a deposit, he told me that I forfeited my deposit after moving without proper notice. That's when I asked for my account information but never received it. I then contacted the manager at XXXX via email and was told that I did not forfeit my deposit that it was applied and she gave me the information I asked IQ data for. She showed the charges but they added prorated rent for XXXX XXXX XX/XX/XXXX when they shouldn't. She said it was because they did not receive the keys, but I did give it back to them via mail. The office was closed when I left XX/XX/XXXX it was right after XXXX. I had a long journey from Washington to Texas so I left early. I even stated in my move out notice that I'll leave early and know I'll be still obligated to pay the prorated for XXXX XXXX XX/XX/XXXX. 
The manager then said she couldn't do anything with the payment because the account belongs to IQ data international and I'd have to contact them to change the amount. 
I tried reaching XXXX data international by mail requesting my account info and a change of the charges and the certified letter was returned undeliverable. I used the XXXX XXXX XXXX provided on their website. 
I disputed the information several times with XXXX and all they do is update the information and states that the report is in compliance with the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

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

I have attempted to resolve this with both Indiana XXXX XXXX XXXX and TransUnion. The account that I had with XXXX shows open on my Credit Report. however i have verified with XXXX that the account is closed and has been for years. Trans Union refuses to mark this account as closed on my Credit Report. This Account shows as closed on both XXXX and XXXX ( as seen in attachments below )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, WITH A REPORTING BALANCE OF {$460.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT WITH EXPERIAN. I RECIEVED A RESPONSE BACK FROM EXPERIAN STATING THAT THEY VERIFIED THE LISTING AS BEING MINE. I CONTACTED THE BANKRUPTCY COURT CLERK, AND WAS TOLD THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. SEE ATTACHED LETTER .EXPERIAN PROVIDED NO PROOF OF VERIFICATION .NOT A NAME OF THE PERSON WHO VERIFIED THE INFORMATION WAS PROVIDED.NO DATE, NO TIME.EXPERIAN JUST  LISTED THE ADDRESS OF THE BANKRUPTCY COURT.EXPERIAN IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE LISTING IN QUESTION IS BANKRUPTCY ( NO.XXXX ) AND SHOULD BE IMMEDIATELY DELETED FROM MY CREDIT FILE.
Product: Mortgage

My name is XXXX I reside in XXXX California my family and I have been living here for several years XX/XX/XXXX, my wife suffered a tremendous accident and was diagnosed with a medical condition making it impossible for her to work causing a horrendous hardship In addition I lost my full time job due to the care I had to provide to my wife I desperately call my lender Wells Fargo Home Mortgage requesting assistance with my loan and they refused to help due to my loan being current I was astonished in shock when the representative of Wells Fargo advised me to stop making my mortgage payment it was the only way to assist me, I was informed that after three months they would help me with a modification under the ( HAMP ) Making Home Affordable program, I proceeded with their instructions and stopped making my mortgage payment, I began to fax all requested and repetitive documents to the modification department for several months, I was constantly transferred to different Wells Fargo Home Mortgage representative and agents I was distress, anguish they kept denying my request for a modification I was in disbelieve Wells Fargo Home Mortgage instruction had been to stop my mortgage payment and they would help me, it become a nightmare I continued to plead with them, and explained my difficult situation but it did n't get me any where it was to no avail I want to file a complaint against Wells Fargo Home Mortgage for the deceitful, dishonest, lies and corrupt, method their process for a loan modification and for denying me the ( HAMP ) - Making Home Affordable Program after I was assured I would be eligible if I followed their instructions and I did Wells Fargo Home Mortgage has lied by making me believe I could trust them with my home loan I believe this is clearly a violation of the HAMP program code 113 HAMP Tier 2 Eligibility and XXXX Additional Factors Impacting HAMP Eligibility and the program codes 31 & 32 ( Protection Against Unnecessary Foreclosure ) - ( Suspension of Foreclosure Proceedings in Process ) and pursuant to section 101,108 and 109 of the Emergency Economic Stabilization Act of XX/XX/XXXX and the Foreclosure Relief Act of California SB 1137 and I fall within the aforementioned guidelines Furthermore I strongly believe Wells Fargo Home Mortgage is not in compliance with the government standards and the Security Exchange Commission regulation and codes, therefore I ask that you apply your regulatory authority and open an immediate investigation and re-evaluate Wells Fargo Home Mortgage policies and their process Wells Fargo got BAIL OUT to help home owners difficult times with the loan modification process setup by our Government I consider Wells Fargo Home Mortgage to be a deceitful, fake, unprofessional Lender their lack of willingness to assist home owners in times of crisis and desperation I evaluate them to be a poor customer caring lender or servicer Wells Fargo Home Mortgage has demonstrated we are insignificance to them no customer value or respected toward the homeowners at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX was scam by a person who claim to be from XXXX as XXXX agent who scam the company out of XXXX thru XXXX payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus report this account XXXX  XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Product: Credit reporting, credit repair services, or other personal consumer reports

these creditors are deleted oon other accts.transunion should delete
Product: Checking or savings account

I had an account that was closed I think it was in XXXX from PNC bank, they closed my credit card and my checking account due to some fraudulent charge and I agree with them to close the account but now every time I try to get a checking account like I was trying today it says that u cant open my account due to something that shows in my credit report and I would like to fix it, I didnt even know why was they closing my account if nothing happened.
Product: Credit card

I am the victim of identity theft ..I originally reported the account with Continental finance as fraudulent 12 months ago and provided them with a copy of the police report and affidavit of identity theft. Rather than investigate the identity theft at that time they sold the account to a collection agency XXXX who then sold it to XXXX I tried in vain for 12 months to have this removed from my credit report to no avail in XXXX. I filed a complaint with a consumer finance. Please see my previous complaint. I then received a letter from Continental finance indicating that they had purchased the debt back and were investigating it and to allow 30 days to resolve the issue that letter was dated XX/XX/XXXX along with my identity theft company XXXX we contacted Continental finance. They have not resolved the issue and initially could not find an account. I then receive notification that I had a derogatory trade and that it was this account I believe was sent to a different collection agency regardless, they have not investigated the claim, despite me providing them with the necessary police reportsthe address of record on their account. I have never lived at along with the phone number on the account which is XXXX is a phone number that has never been affiliated with my name and they refuse to acknowledge that this is a fraudulent account and are continuing to report derogatory to XXXX on my credit report, which is affecting my credit score and my ability to obtain good credit in my
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently, that is not an address I had, nor do I have a XXXX XXXX account I asl for them to remove this off of my credit immediately.
Product: Debt collection

I paid a settlement amount of {$180.00} on XX/XX/year>. This cleared my bank on XX/XX/year>. The representative of debt collection agency assured me that I would receive a letter confirming my account was resolved after my payment cleared on their end. I called XX/XX/year>, spoke with the same representative and requested the settlement letter confirming my account with Credit Control , LLC was resolved. I received an email during the call on XX/XX/year> with a letter attached that stated " Upon clearance of your check/funds through the banking system, your account will be considered resolved. '' I advised the representative of what it said and he stated that the letter was not the settlement paid letter that I should be receiving. I then responded to the letter asking for a confirmation that my account has been paid and resolved. I received a reply back stating that Credit Control LLC does not have a letter that states that and the only letter approved by their attorney is the one that doesn't confirm the account was paid and resolved.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I noticed multiple billing mistakes. The late payments listed don't reflect my normal payment pattern.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my XXXX account was hacked and {$5000.00} were transferred to a fraudulent linked account. After contacting the Credit Union immediately they said they will reimburse the money right away until the investigation was completed. The money was never deposited. After numerous phone calls to the fraud department and hour on hold we were given the run around and we still have not received the money. They said we needed to wait 10 days, we are now at 15 days and no response from XXXX.
Product: Credit reporting or other personal consumer reports

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 Section 602 A. States i have the right to privacy.

These addresses do not belong on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to TransUnion regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I do no have any bills so I will send for proof of my Identity my social and Identification card that has my current address listed and this should suffice for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have moved out of XXXX XXXX XXXX for the past one year yet the equifax refused to update my to my new current address. 
my old address ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX and my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX