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

THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Mortgage

Our mortgage was sold to SPServicing LLC back in XXXX. 

We were on Auto Pay for several years but in XXXX of XXXX the mortgage company stopped withdrawing the payment every two weeks. We did not know about it until they threatened us with foreclosure. We contacted them and they finally admitted that we were on auto-pay and it just stopped. We did not change bank accounts, request off of atuo-pay, nothing. We entered into a repayment program to " catch up '' and did so within 6 months. This was due to no fault of ours. 

We have since stopped auto-pay and are making bi-weekly payments equal to the amount they say is our monthly payment ( the monthly payment is {$420.00} and we are paying that twice a month ). We are still gettign calls that we are behind and when we call the say we are all caught up. 

In addition, We are in the process of buying a second house but because of the incompetence and beligerent actions of the mortgage company we are having issues gettign final approval. We have asked for a letter from them but they say that all they can send is our payment history which we have already provided. 

Their neglegence and incompetence has cost me moeny as well as stress and frustration. I am looking to find a lawyer willing to take our case and sue them for damages.
Product: Student loan

My student loan account recently switched from Navient to XXXX XXXX because I filed a XXXX XXXX. Immediately prior to the switch, while at Navient, none of my loans were in forbearance. Loans received from attending XXXX College were placed into repayment ( as I desired and planned for ) under the PAYE plan and this was confirmed speaking with a Navient representative at approx. XXXX EDT on XX/XX/2019. On XX/XX/2019, representative XXXX at XXXX XXXX informed me that Navient should have placed my XXXX loans on forbearance because I had other loans in a grace period. XXXX required that I ask them to remove the loans from forbearance that they put into forbearance between XX/XX/2019 and XX/XX/2019, even after taking a payment under PAYE on XX/XX/2019. As such, I was required to ask to be removed from forbearance on XX/XX/2019, contributing to a larger interest capitalization than if Navient had originally placed my account on forbearance as XXXX would have suggested is normal procedure. 

If Navient had put me on forbearance upon my XXXX loans coming into repayment, I would have requested to be off of forbearance sooner and thus would face less interest capitalization ( if this is indeed standard practice as XXXX suggests ).
Product: Credit card or prepaid card

The card was opened in the beginning of XXXX. This was opened with out my knowledge. I received the card in the mail. I then called and reported the identify theft. I also contacted the Federal Trade Commission, they sent a letter to XXXX as well. Still no response. I contacted the three credit bureaus and filed fraud. They have removed everything from my credit report. I Still have not heard anything from XXXX. 
There were two other credit cards opened in my name that same day. Those companies sent me letters stating the accounts were closed stating it was indeed fraud. I now have a freeze on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago. 

Unfortunately XXXX XXXX is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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

My SSN last 4 digits XXXX My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be. 

XXXX XX/XX/XXXX bankXX/XX/XXXX Acct # XXXX Amount XXXX Date opened XX/XX/XXXXXX/XX/XXXX ( collection XXXX XXXX XXXX ) XXXX XX/XX/XXXXw XXXX Amount XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Co XXXX Amount XXXX XX/XX/XXXX XXXX XXXX Bank XXXX Date Opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount XXXX
Product: Checking or savings account

I don't remember the exact date I know it was the end of XXXX of this year XXXX, someone hacked into my account without me giving any information to anybody, stole {$250.00} through XXXX ( XXXX ; so {$500.00} total ) as well as {$100.00} for XXXX. About a week later they hacked into my account again requested to increase my credit line I received an email asking to confirm more information so being curious I called to find out that the hacker hacked into my account tried to increase my credit line as well as make a transaction of {$17.00} for XXXX the bank also informed me that there was activity in the XXXX as well as XXXX I live in the United States, I closed the account and opened a new one in hopes that the hacker could not gain entry back into my account, they still did somehow and now when I look at my bank statements it's as if it never happened I don't know if it's because I opened a new account and it's locked in the other account but because this hacker is talented they made the transactions look authorized the bank did not take me seriously close the case less than a week later. About a week after the money was stolen I tried logging into my account to no avail due to too many failed login attempts, when my login method is my fingerprint. They immediately deemed it denied and close the case. And now I refuse to pay off my credit card with them because why am I going to pay on a credit card that a hacker is just going to use and steal for me? The bank is Capital One 360 it took me a very long time to save up that money their job is to protect my money and they did not they took it as a joke as if filing a dispute is what I do for fun. Every representative I spoke to has twisted my story and made it different depending on who you spoke to. Because that account is closed I do know the debit card number and credit card number. My name is XXXX XXXX XXXX XXXX DEBIT CARD NUMBER XXXX XXXX XXXX XXXX CREDIT CARD NUMBER XXXX XXXX XXXX XXXX AND I DO KNOW THAT MY ACCOUNT NUMBER ENDED XXXX WHICH IS STILL ATTACHED TO THE NEW ACCOUNT NUMBER AND ROUTING NUMBER WHICH NOW ENDS XXXX. IF YOU NEED ANY OTHER INFORMATION FROM ME PLEASE FEEL FREE TO REACH OUT TO ME THROUGH MY PHONE NUMBER WHICH IS XXXX OR EMAIL XXXX.
Product: Credit reporting or other personal consumer reports

Hunter Warfield is reporting a collection to my credit report and All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit card or prepaid card

I have been contacted the Comenity Capital bank several time about a refund check they need to send me, because Because I make and overpayment to pay off my Bj 's Master credit card for the amount of XXXX {$3400.00}. More than XXXX months has passed and still they do not solve the problem to send back my refund check that by mistake the payment made to them was duplicated. 

Now they says they mailed to me XXXX checks for the same amount of XXXX $ XXXX XXXX more than XXXX weeks but I have not received those check the sent it to me. and my account now show a balance of XXXX {$3.00}, XXXX and this is the amount they are suppose to refund to me. 
I spoke to several supervisor about this problem they have cause to me and they promise me to solve the situation and that I will received my refund check. but at this time nothing happened. 
Dates contacted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many others day and still the problem is pending. I sent a writing letter to dispute the charge made to my account that appear on XX/XX/XXXX XXXX on XX/XX/XXXX because they do not accept dispute transaction by phone only to make the costumer getting a hard time. Please help me to get my money back. Because that was a loan made to XXXX bank to pay off this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed  account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX report.On XX/XX/2020, I recieved the results from the dispute from XXXX  and both XXXX XXXX  trade lines was deleted as I requested.The Two XXXX  XXXX XXXX  trade lines on my Transunion report are showing closed and Im requesting the two trade lines be Deleted .Therefore, Im requesting the two XXXX XXXX XXXX trade lines/accounts be deleted/removed from my Transunion report
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have found a fraudulent account on it, the account is XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Seventh Avenue XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Disputed Account - Notice to Furnisher Ref # XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : XXXX. Close the unauthorized account XXXX. Remove any charges on the unauthorized account, and XXXX. Take steps to remove information about this account from my credit file I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 

Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. Email Me @ ( XXXX ) XXXX send to the address above. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account. 

Sincerely, XXXX XXXX Enclosures : a. FTC Identity Theft Report b. Proof Of Identity c. Notice Of Furnishers Of Information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The XXXX XXXX company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Product: Vehicle loan or lease

The date was XXXX/XXXX/2019. At that time $XXXX.XXXX  which was going to be paid with arrangements that was made. But they came out with no warning they took the car,the morning of the arrangements. Repossessed it. Added extra fees, which I was unable to pay to get vehicle back. Now they are saying I owe even more money, over $1000.00. First of all they were wrong for even taking my vehicle. As I had already made arrangements with different custormer service reps. Wrong fully repossessed car. I'm not able to pay.  Thank you. XXXX
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX Balance Owed : {$32000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8800.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$3100.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX US DEPT ED XXXX Balance Owed : {$7800.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Mortgage

Called SLS numerous times : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The tel. no. on their statement : XXXX ( no one EVER answers this tel. no. ), was transferred to : XXXX no one answers this no. either! UNABLE TO REACH A REP. SLS called me back on XXXX on XX/XX/XXXX and was disconnected twice! Unable to get confirmation from SLS that my automatic payments ( {$1200.00} ) deducted from my checking acct. have been cancelled. SLS continues to do automatic withdrawals, even though I have requested for a COVID-19 forbearance onXX/XX/XXXX at XXXX XXXX  ( Hi time ). Need my current funds for FOOD and SHELTER. SLS continues automatic withdrawals from my bank acct. Every time I call SLS, a robot informs me to continue making my monthly mortgage payments! PLEASE HELP! This company is unwilling to help customers in need. They do not have anyone answering phone calls at : XXXX XXXX XXXX XXXX. Their customer service DOES NOT exist. How can a legal operation stay in business without telephone service for their customers? Do not use this company if you do not own a computer! DO NOT USE THIS BANK! Very frustrating to get ANY type of information on the phone. YOU HAVE TO USE YOUR COMPUTER! They do not answer the telephone, ever! You always get the same recording : " due to high call volume we are experiencing a long wait time ... ... ... .. '' No one will come on the phone after that. I don't think they are a legitimate bank at all. I inherited SLS, originally I had a different bank. Never heard of SLS until now. What a SCAM! Attached is the permit for my " legal BED & Breakfast ''. ALL BOOKINGS were cancelled for XXXX, XXXX, XXXX and XX/XX/XXXX. Over {$160000.00} LOSS OF INCOME. This does not include an additional {$55000.00} in cancellations from XXXX to XX/XX/XXXX, due to Mayor XXXX XXXX 's Stay At Home Order, to cease all vacation rental operations. Go to : XXXX XXXX XXXX for confirmation of ORDER. You can call the XXXX for rules regarding short term rentals : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. Hawaii is in the mist of a financial crisis due to no more tourists allowed in Hi without a 14 day quarantine!
Product: Consumer Loan

RE : DELINQURNT NOTICE ON ACCOUNT NO. XXXX The above subject refers. 
I recently check my credit history and found that on the XXXX of XXXX, 2015, Wels Fargo placed a delinquency notice on my credit report on alleged delinquent account. However, the supposed delinquent account no XXXX was closed by Wels Fargo on the XXXX day of XXXX 2015, upon satisfying the balance of the said loan in the sum of {$300.00} on XXXX XXXX, 2015. Please see copies of my XXXX XXXX XXXX account statement attached as " documents A and B '' as proof thereof. 
A cursory look of my loans ( both personal and student ) repayment history with Wels Fargo would show that I have never for once, late on my payment let alone defaulting. I need not stressed that the unscrupulous action of Wels Fargo has occasioned serious economic and financial harm as my credit score has nose- dive as a result the negative comment placed on my credit report by Wels Fargo . 

I called Wels Fargo and lodged a compliant, I was told to write to Wels Fargo XXXX in XXXX XXXX, NC. I mailed the said letter on XXXX, 2015, but no action has been taken to redress the hardship caused by Wels fargo 's sharp practices. 

Kindly investigate my claim and get Wels Fargo to do the needful. 

Sincerely, XXXX XXXX
Product: Debt collection

A debt validation letter was sent to Crown Asset ManagemenXXXX on XX/XX/XXXX Priority Mail # XXXX. They did not validate the debt and did not correspond with me after that. On XX/XX/XXXX, I received a summons to appear in District Court from the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, MD. A court date of set for XX/XX/XXXX. Even though they never validated the debt, I tendered payment of a silver surety bond that was accepted by the courts. However, judgement was still granted on XX/XX/XXXX. I was given 30 days to file a motion to vacate judgement. I submitted the motion on XX/XX/XXXX and sent a copy to XXXX, XXXX XXXX XXXX, which they received on XX/XX/XXXX. The courts entered it on XX/XX/XXXX. XXXX XXXX, continued to request a lien on XX/XX/XXXX before the motion to vacate was decided upon. Neither Crown Asset or XXXX, XXXX XXXX XXXX validated the loan or sent out any correspondence for me to dispute the debt prior to filing a court case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Adjuster allegedly that I owe on my credit report and have not attempted to reach out to me. When asking for validation proof, original contract, Proof Identification, estimated of contract, interest rate disclosure. And full transparency accuracy along with proof of payment.
Product: Credit reporting or other personal consumer reports

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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... 
( 1 ) 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 investigation ; and Account Name : 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