23daVinci/CFPB_Complaints huggingface dataset:
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. DEPT. OF HUMAN SERVICES : # XXXXXXXX 15, 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian for pulling my three credit reports with scores which cost {$29.00} per month. I was told that they receiving all of the information from all three credit reporting companies-this is not true, I pulled my credit as a tri-merger three times in the last 45 days and was charged XXXX. Each of these credit report pulls, show that XXXX is reporting only one collection, but I pulled my XXXX report directly from XXXX. That report shows 13 negative medical accounts on my credit report. 

When I contacted Experian 's customer support, they informed me that some times they don't get all the information from the other two credit reporting companies. And that their is nothing they can do, but they will refund me one charge. 

Then the rep tried to shut down my account so that I didn't have access to reports anymore.
Product: Credit card or prepaid card

The account in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX and was unable to make the payment or call to defer the payment. As soon as I was able I did make the payment immediately. 

Along with that I had fee waived which means a financial accommodation was made for.. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 ).
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. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a company that I have applied for a mortgage did its final underwriting credit hard inquiry and now I am getting calls from at least 45 different mortgage companies to see if I want a mortgage with them. 
I was told that Equifax has given them my information on the credit hard inquiry. I was under the impression that my account is private and can not be given without my consent.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Product: Mortgage

In  XX/XX/XXXX  I took out a mortgage loan with  XXXX   XXXX   XXXX ,  XXXX . for the amount of {$380000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates.  <P/> On  XX/XX/XXXX , there was an assignment of mortgage filed with  XXXX   County Clerk 's offic e. The assignment of mortgage assigned the mortgaged from  XXXX   XXXX   XXXX ,  XXXX . to  XXXX   XXXX . On  XX/XX/XXXX ,  XXXX  started a foreclosure action against me for the mount of {$370000.00} which is about {$14000.00} from the original mortgage 9 years earlier but I already had paid over {$200000.00}. How is that possible?  <P/> I also never receive any bank statements from  XXXX    XXXX   instead I receive mortgage statements from Everbank which is a party that I am not familiar with.  <P/> I tried fixing the the problem several times. The last two times were trying to do a loan modification which was denied  XX/XX/XXXX . The I resubmitted another loan modification application on  XX/XX/XXXX  which I have not receive an approval or denial yet. Everbank seems to take for ever to process my paperwork. It seems like they do not care whether I paid them back or not, they just want me out of my home which I am trying to repay.  <P/> I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Product: Debt collection

About XX/XX/XXXX while recovering from a major XXXX, I discovered that my credit score has dissappear it read " XXXX ''. After reaching out to counselors I called Discover Bank for their {$200.00} Security deposit Credit card and after I received the card I was advised to pay another {$200.00} to to offer a total of {$400.00} credit. About XX/XX/XXXX I decided since I already have XXXX Score I no longer need a Secured credit card and I canceled with a positive balance of {$270.00} left on the account. Now I am facing lots of harassing calls from Discover Bank over a card that is canceled, they are claiming the positive balance left on my account before closing is a debt because I moved from my old address in XXXX, FL where I underwent XXXX to XXXX XXXX XXXX XXXX XXXX back to XXXX XXXX XXXXXXXX Zip XXXX. Now a Discover Bank representative is claiming I made XXXX, FL lose as best place and Zip code to XXXX NY and that my Credit Scores and history is what will pay for making the move back to XXXX. I consider this a treacherous mockery of my freedom and liberty and I want {$18.00} XXXX from Discover Bank for deliberately spearheading damages to my credit score when I was coping with XXXX and now pressuring me for lewd relationships over the phone for moving to XXXX XXXX XXXX Zip XXXX. My credit score is now XXXX. ** I want Justice **
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX  and XXXX XXXX do not belong to me these accounts are fraud and are harming my credit report, score and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SOLD MY ACCOUNT TO 11 COLLECTION AGENCIES IN XXXX AND ARE STILL REPORTING ON MY XXXX. THESE ARE TIME BARRED AND THE SOL EXPIRED AS A RESULT XXXX  PUT A FREEZE AND WONT LIFT IT UNTIL YOU CONTACT THEM MAKE SURE YOU GET LETTERS FROMTHEM.
Product: Checking or savings account

Chase Bank has charged me ridiculous amounts of overdraft fees. The fees are not even the standard of federal law. Because banks are FDIC insured they risk no loss due to this insurance of each consumers account up to XXXX. How is Chase charging these illegal fees and why not make a claim against the insurance instead of taking money from me which banks are barred from doing this because the customers money should not be used.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the Metro 2 reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Phone Number : ( XXXX ) XXXX -Employer ( s ) : XXXX XXXX XXXX XXXX XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Phone Number : ( XXXX ) XXXX -Employer ( s ) : XXXX XXXX XXXX XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the Metro 2 format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -
Product: Credit reporting or other personal consumer reports

I looked at my experian credit report on XX/XX/year>, and noticed my personal information/addresses are inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these addresses I've never lived at and don't receive mail too. I called XXXX and they refused to remove these addresses.the following XXXX addresses are inaccurate. XXXX spinning XXXX XXXX. XXXX, fl XXXX. XXXX chase dr. XXXX XXXX XXXX XXXX and XXXX XXXX st. XXXX XXXX ohio XXXX please stop reporting these addresses on my experian credit report.i don't receive mail there and have never lived at these addresses.i demand {$1000.00} per violation please mail my check to my correct address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Wyoming XXXX
Product: Credit reporting or other personal consumer reports

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on TransUnion ; XXXX and XXXX Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Charge Off 2. XXXX XXXX XXXX Charge Off 3. XXXX XXXX XXXX XXXX Charge Off 4. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXX Charge Off 6. XXXX XXXX XXXX XXXX Charge Off 7. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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 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

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job oXXXX XXXX now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX XXXXnd there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I started receiving debt collection notices from Shellpoint Mortgage Servicing inXX/XX/XXXX. The debt collector was notified several times by me that the debt was disputed, that I demanded validation, and that its responses were confusing and unclear. InXX/XX/XXXX I notified the debt collector to cease and desist. 

The debt collector claims I owe three different creditors for the same alleged debt : XXXX XXXX XXXXl, Shellpoint, and XXXX XXXX XXXX. I do not owe any of these entities money. 

The debt collector claims the original creditor is XXXX XXXX XXXX XXXX XXXX, an operating subsidiary of a XXXX XXXX. No such entity exists. Mail sent to it was returned undeliverable and unable to be forwarded. Representatives at the number given for it stated they had no record of lending me money or a security interest in my home. 

The debt collector is not registered with the GA Secretary of State to do business in Georgia. 

The debt collector filed a false document in the property index - an alleged assignment of security deed to it. 

The debt collector has failed to provide the validation demanded and continues to attempt to collect.
Product: Checking or savings account

My account with Chime was closed for no specified reason on XX/XX/2022. I've tried contacting Chime by phone multiple times and they're no longer accepting my calls and it takes days for them to respond by email about a dispute that was processed incorrectly by a banker, the final result of the dispute, and I've also tried reaching out to them for statements on my credit card account, checking, and savings, I have not heard back from them. I want a specific reason why my account was closed.
Product: Credit reporting

In regards to an account held by XXXX. This account has been removed From my Equifax, XXXX and XXXX credit File in the latter part of XX/XX/XXXX. XXXX continues to reage this account which is illegal. I have no contract with this company and have never received any thing in writing from this company. Also, checked my credit reports today and again XXXX has removed and then again reinserted this account on XX/XX/XXXX ( reaging again )
Product: Bank account or service

I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
XXXX