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

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts being challenged XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Credit reporting

I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.
Product: Credit reporting or other personal consumer reports

I am filing this FTC affidavit to report some fraudulent accounts appearing on my consumer FICO credit report which i don't recognize as reported and which are results of identity theft and fraudulent. These fraudulent accounts consist of the following XXXX  XXXX {$8800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX XXXX {$630.00} XXXX XXXX  {$900.00} XXXX XXXX {$150.00} XXXXXXXX XXXX {$850.00} XXXX XXXX {$910.00} XXXX {$310.00} XXXX {$0.00} XXXXXXXX XXXX {$0.00} XXXX  {$25.00}
Product: Credit card or prepaid card

Fifth Third Bank has decreased my credit with out any reason i was not behind any of my other credit or any outstanding loans. This is a clear violation and highly illegal act to damage consumers fair credit reporting act. It is also a violation of the U.S.C 15 sec 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX XXXX XXXX XXXX  was XXXX. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXXXXXX XXXX From that date until XX/XX/XXXX, after heavy research, {$XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX  again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$XXXX, and a balance of {$XXXX which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with Discover. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Vehicle loan or lease

Sold a side by side vehicle on XX/XX/XXXX and the Loan was paid in full using a bank check on XX/XX/XXXX to Synchrony Bank ( XXXX XXXX ). Debtor has called multiple times trying to get paid loan documents including a released title to give to buyer and their financial institution to no avail. Today gave permission to Synchrony to discuss account with borrower 's financial institution and they say again, as they always, to they will expediate request for title to be sent but it could take 2 weeks. This is unacceptable and they have been paid in full for 68 days. They couldn't even tell me who regulated them the FDIC or OCC or I would file a complaint with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade Inc violated my right to privacy. Upgrade Inc disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to Upgrade Inc on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Product: Mortgage

XX/XX/XXXX I received a letter from Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX which said that our home equity loan was being changed from interest only to interest and principal. Nowhere in the letter did it say what the amount of our new payment would be. For about 60 months we have been paying interest and some toward principal. The new payment was to begin on XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX I called SLS and the person that I talked to had no idea what I was talking about. So, on XX/XX/XXXX I called again and again the person I talked to said he was n't aware of what I was talking about so I asked him what my minimum payment would be for XX/XX/XXXX and he said {$64.00} and change which is just the interest on the loan. Both XX/XX/XXXX and XX/XX/XXXX we sent in payments, on time in the amount of interest plus some toward principal. We made our XX/XX/XXXX payment on XX/XX/XXXX and on XX/XX/XXXX we received a default notice and notice of intent to foreclose on the property. The letter said that we needed to pay {$1300.00} by XX/XX/XXXX to bring the account up to date or they would start foreclosure proceedings. Again, there was no mention of what our new monthly payment should be. SLS is holding the funds until the total equals a full payment which I found out is {$450.00} per month. If XXXX would have told me what my new payment was in XX/XX/XXXX or XX/XX/XXXX I would have paid it. We are in the process of trying to refinance our home and SLS is considering those payment sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late payments. which will disqualify us from obtaining a refi. I think the way they do business is suspect and they deceive their customers and lie to them such as in this case because I think that is just what they did because any reputable company would have that info in their computers so their reps could convey that info the the customer on request. I mean, if a letter comes out in early XX/XX/XXXX and it is not in their computer in XX/XX/XXXX there is something seriously wrong. What I want is for those three months to be not listed as late so we can proceed with our refi and get rid of this lousy company.
Product: Credit reporting or other personal consumer reports

I got 4 unknown credit inquiry s on my report 3 are from XXXX who I don't know or was I offered credit from on my report on XX/XX/XXXX XXXX XXXX and one from XXXX XXXX XX/XX/year> which I didn't make or receive a card from and I would like these deleted from my report
Product: Payday loan, title loan, or personal loan

I tried to receive a pay loan thru my bank account. PNC stop us from getting this type of loan thru our accounts. I would like for PNC to allow us to use pay loans thru our own accounts.
Product: Credit card or prepaid card

In 2016 a account was opened in my name. In 2016 I was a minor and it wasnt me who opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as well as Equifax both refuse to correct obvious errors on this account. I have asked and complained that it be corrected but both fail to follow the FCRA laws believing they're some how above the laws! XXXX is being investigated by the XXXX XXXX XXXX for numerous customer complaints. You can't have a great rating if you're not doing what the law requires you to do. I have had issues on this account prior to it charging off illegally with their accounting practices. I still have all of the documentation to prove it. They turned me over to a collection company, I sent the proof of my dispute to the collection company. They never acknowledged it because they couldn't follow along with the details. It required them to pay attention, that was impossible so they dropped it. I sent it to XXXX they refused to acknowledge the proof then charged off the account without ever bothering to resolve it. Each time I called they made excuses, claimed to write up a dispute or sent me meaningless letters telling me to send it in writing. When I did, they sent me the same letters not acknowledging I'd sent it already, nor attempting to resolve the problem. So they illegally charged off the account without ever resolving the dispute legally as per the FCRA laws require! Instead they damaged my credit based on their laziness and unwillingness to resolve a months long dispute over how they were applying payments, and reporting them on my billing statements. I still have the package which consists of 26 pages including the letter I sent them back in XXXX XXXX. They never bothered to respond to any of it. They just ignored me and charged off the account which is what they do! That's illegal!!!
Product: Mortgage

I contacted loancare on XX/XX/XXXX as I was going through a hardship and they suggested a loan modification would be best. I was told that during the process I would not be reported to the credit bureaus ; unfortunately, that was untrue. The application for assistance was approved XX/XX/XXXX they received the signed documents on XX/XX/XXXX and the partial claim was recorded on XX/XX/XXXX and funds were disbursed XX/XX/XXXX. Despite completing the partial claim on XX/XX/XXXX they still reported me 60 days late for the month of XXXX to no fault of my own. I have been trying to get this removed since XXXX. Ive followed their procedures of mailing a letter to their dispute dept, I attached a copy of the notarized partial claim along with my credit report showing the inaccurate late reporting for the month of XX/XX/year> - these documents were received by their office XXXX XXXX, XXXX. I was told by several representatives that the turnaround for a response is XXXX business - that again was another lie. Its taken 30 days for a response- today, XXXX XXXX I contacted the lender again and was told they denied my dispute stating everything reported is accurate ; however, I spoke with someone in their escalation dept this evening and when I asked what information/documents they reviewed to come to the conclusion of their denial he was unable to provide that information to me stating that on his end hes not seeing that they are reporting me late for the month of XX/XX/year> which is completely false. They are asking that I resend all the documents yet again to their dispute dept and wait another 30 days!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been filing disputes to remove the fraudulent accounts. The disputes are not being filed correctly and the FTC paperwork I am submitting according to the FCRA is not being submitted with the disputes. The people I talk to don't understand XXXX and are not helping. I am not getting copies of the verification process per the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern and frustration regarding an unauthorized transaction on my Zelle account, which resulted in a loss of approximately {$600.00}, This was the XXXX XXXX  transaction. However I reported multiple other transactions due to this issue and never received any sort of reimbursement.This unexpected charge has caused me significant distress, as the amount involved is not something I can easily afford to lose. It has not only placed a financial strain on me but also left me feeling vulnerable and anxious. I kindly request your assistance in resolving this issue and recovering the funds, as this situation has been both devastating and emotionally taxing. I trust you will understand the urgency of this matter and help me resolve it as soon as possible.
Product: Debt collection

I received a call from an attorney offering to hire him to be represented in the lawsuit that has been filed with DNF. I was not aware of why I have been sued. I was not served any legal court paperwork, received any calls or emails. I was never contacted either. When I was able to speak to this attorney he told me my name had came up as an open case at the XXXX XXXX Court house he advised me to look up the case online to get further information and to contact the office. When I did, I verified who was I being sued by and I had no idea who DNF was, I called the law firm that contacted me for representation and gave them the information and they provided me with a phone number to try to reach a representative for DNF. I called a few times and they wanted me to verify my SSN #, I'm aware of scams and I was not wanting to provide that information, I asked if I could verify myself another way and one of the representatives said " You don't know your SSN #? I said no I don't. I provided my full name and DOB but that wasn't enough to give me information. ( already a red flag ) I finally decided to call again and try to provide the least amount of information to prevent any future fraud. I was told there was a balance with a XXXX credit card. I asked for the amount and contacted XXXX. XXXX was unable to give me any information, and it's never been on my credit report. I contacted the law firm to hire them for representation they asked if I had any idea about this debt, have I been contacted by this debtor? and I said no, if you wouldn't have told me I would of never known about this lawsuit. I was told I needed to wait to be served and to see if this account could be validated as mine. Weeks went by and I heard nothing, again I call this lawfirm who tells me it looks like you've been served. I said no I still I have no idea on who this company is and what's going on. Well now I get the information that I'm limited on what I can do because this company is now going to to garnish my wages without even giving me a chance to file anything on my behalf. They went behind my back and filed a lawsuit AND then said they served me with papers that I never received. They have never once sent communication by mail so that I had something in front of me to review nor spoke to me about what was going on. I had to spend money to purchase the documents to view online ( Complaint demanding, Original Summons, and Civil Case Cover sheet ) Furthermore DNF has violated FDCPA by not sending a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days they used unethical communication tactics ( by filing a lawsuit against me without letting me know and stating I was served ). Theyve caused me unnecessary stress and frustration in trying to figure this situation out with little to no information
Product: Debt collection

The company sent me a letter saying I owe a debt to their client..I sent them a debt validation letter In XXXX to which they called me left me a voicemail saying the debt validation letter was not valid and they did not have to comply with it ... to date this company keeps calling me and I do not have a contract with Stuart Lippman and I want them to stop contacting me until they validate the debt and show me my contractual obligations with them. They have not validated said debt and I want them to stop harassing me.
Product: Checking or savings account

On XX/XX/XXXX, at around XXXX, I made four deposits using the ATM machine located at XXXX XXXX XXXX XXXX, XXXX , WA XXXX. My husband and my mother-in-law were with me. I deposited a total of {$11000.00} in cash ( in XXXX bills ). The money was brought by my mother-in-law from XXXX to pay for her expenses during her visits in the US. 

The four deposits were split into four transactions due to the cash deposit amount limit. The first deposit was {$3000.00}, the second {$3000.00}, the third {$2700.00}. However, for the fourth deposit of {$2300.00}, the ATM machine got stuck and swallowed my money without showing the amount I deposited. The ATM print out a receipt with a customer number ( XXXX ) for me to contact. I called that number immediately, and they say they will look into this situation. After 3 days, I saw my checking account was credited {$2300.00}, so I thought the issue was resolved, and I threw away the receipt. 

However, on XX/XX/XXXX, I got a mail from Chase saying they did not find the {$1700.00} and thus they reversed {$1700.00} credit that was placed on my account. I called Chase to re-investigate the issue, but after another week 's investigation, they said they still did not find the {$1700.00}.

This is shocking to me. I told Chase all the money I deposited were XXXX bills, the {$1700.00} seems very absurd. Could it be possible that the ATM machine spit out the money after we left and someone took it? I don't know how the ATM did the balancing of the ledger, but there is definitely something wrong. I don't know what's Chase 's investigation process. I requested to see the video footage of that night when I made the deposit, but Chase declined it. The video might prove that we did deposit a big stack of cash, or show somebody else took the money. I don't know what to do. Please help. 

I attached the bank withdrawal transactions from my mother-in-law 's XXXX 's account. She made a total withdrawl of {$14000.00}, but she just brought to the U.S. {$11000.00}. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am currently paying on this account through garnishments. Its also not showing the correct information XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$5600.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 14 15 U.S. Code 16