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. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 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. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. 

The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.
Product: Mortgage

Submitted a loan modification request for assistance via facsimile on XX/XX/XXXX and have been calling Ditech ever since. Everytime we call they put us on hold and say they are sending for review. Here is the following timeline : XX/XX/XXXX Spoke to XXXX ID # XXXX and he stated the underwriter is requesting the following documents : XXXX ( 4 pages ), XXXX, mortgage statements for other properties, and lease agreements. Faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and he stated the only thing the underwriter is requesting is the XXXX tax returns because the copy they have is missing some pages. I faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which stated as of XX/XX/XXXX notes the file is still pending review from the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is in review with the underwriter and the Loss Mitigation Representative assigned to the file. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is still in review with the underwriter but she was going to submit an escalation request to see why there has been no movement or no other docs requested. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she is actually the relationship manager assigned on this file. She stated the file officially went to the underwriter with all of the documents they needed on XX/XX/XXXX. She said they have been extremely backed up because of the last 3 natural disasters but they are finally catching up on files. 
XX/XX/XXXX Spoke with XXXX at Ditech advised me he needs mortgage statement and property tax for property XXXX and a current lease for property XXXX. Fax to send docs XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ID # XXXX and she stated the last update was on XX/XX/XXXX and the file is still in review with the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which kept me on hold for 30 minutes to then tell me the same thing as always. She tried to reach out to the underwriter to get an update but there was no update so she sent them an email and it's just the same back in forth every time we call! Will file CFPB complaint. As you can see this has been ongoing and the file has yet to be reviewed. Nor do we even have a written acknowledgement that they received the application for assistance or a letter from them advising any documents are missing.
Product: Checking or savings account

For over a month, Chime has sent me marketing emails about a bank account I opened with them. They even sent me a debit card for the account. Whenever I call them, they ask for my personal information so they can look up my account. Because I did not open the account, I do not feel comfortable giving them my personal information. They refuse to close the account. They did change my email address associated with the fraudulent account, but I fear that the fraudulent account is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months  before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax Credit Reporting Agency closed a dispute ( Confirmation number : XXXX ) that I initiated regarding a balance with a creditor that was paid in full. Equifax stated that the creditor confirmed that there was a balance on the account owed and the information was accurate and correct. On the other hand, I called my creditor to find out that the creditor had reported the balance as being a XXXX balance as of XX/XX/2023. The following confirmation # XXXX is assigned to another dispute with Equifax for the same issue on XX/XX/2023. It appears that Equifax have the correct information of the XXXX balance but refuse to update my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 was the bill datr. company Medical Revenue Services amount {$1600.00}. I paid the collections agency off with the promise it would notify the credit companies that the debit has been paid and the account is closed. Well that didn't happen and some credit companies show as current which is false. It is paid in full and there should not be anything still open or current. I am not doing any business with this company and my credit file needs to reflect that information.
Product: Checking or savings account

XXXX XXXX XXXX stared be close on XX/XX/XXXX, I need to wait from 7days to 14 day 's for bank send me a check in the amount of $ XXXXsince i be calling, they told me the a delay on the mail and they going to send another time the same check on the mail, I waited for lake 3 weeks and star call then for several times and onXXXX they open case # .they send me a letter on XX/XX/XXXX the remaining open
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX The account in question was paid in full and on time, but it is incorrectly marked as a " paid charge-off. '' This is damaging my credit score and does not accurately reflect my payment history. I am requesting that the charge-off status be removed and the account updated to show " paid as agreed. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened an investment account with Robinhood, having succumbed to the allure of quick money in securities trading. I made a couple of initial deposits mainly at the suggestion of Robinhood " experts '' encouraging me to " diversify '' my portfolio. As a result of these seemingly random withdrawals, my bank flagged 2 of them and reversed the transactions because of fraud filters. When those 2 transactions were reversed, Robinhood froze and closed my account, while maintaining the original {$2000.00} I deposited. I have exchanged numerous phone calls, emails and messages with them in an attempt to regain ownership of my money but have been met with insults, postponments, bizarre requests for naturalization certificates ( I was born in the US, I've never even seen a naturalization certificate ) and what has amounted to a revolving door of the same 3 requests of document submission ; Front and back of ID ( which they approve ) followed by additional request of address ( which they approve ) followed by further verification in the form of naturalization certificates, original social security card ( issued in XXXX ... ) and then a reset to the original request for the front and back of an ID, only changing the method in which I am supposed to submit it to them ( secure portal, via email, in .pdf format, in .png format etc, etc ). This original {$2000.00} deposit was invested in cryptocurrencies and since I still have login access, I have watched that investment peak at around {$2100.00} and fall down to its current value of {$1900.00}. The money is clearly staying being handled by Robinhood and they ignore me when I request their SEC license information or broker license and I recorded one of their employees inform me that I was " too insignificant '' to pay any attention to and that they had the authority to " repossess '' my original {$2000.00} deposit at their will, information never disclosed to me when opening the account. It is now a month later, and the most recent exchange I've had is with a new agent who initially requested account documents for my bank account ( which I provided and were accepted ) and followed it up with a new request for identification documents ( through a brand new secure portal ) which I also provided but am sick of playing their game. It's jaw droppingly stunning when I read and hear so many people upset with the current national tone and level of discourse, but experience the harsh reality governing our country, that " we the people, '' don't amount to a " hill of beans in this crazy world. '' Stop me if you've heard this story recently, but the same institutions meant to be the vanguards of the public good have turned into the instruments of corruption and greed, abusing the right conferred upon them by their net worth, societal status to step all over the " little guy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I have submitted a Complete HAMP Loan Modification Package to Wells Fargo on XX/XX/2016, through my 3rd Party.Wells Fargo received the XXXX Page submission on their Fax No. : XXXX. They confirmed receipt of this Package.I am attaching a copy of the same, for your ready reference. As you can see from there, I am fully eligible for a HAMP Loan Modification. 
However I am surprised to learn today that Wells Fargo declined my Loan Modification saying that : " There is no change in my financial status '' What do they mean by that? Do they want me to lose my job or what? First of all I was never reviewed for HAMP and I am told there is no such condition in HAMP. Are they free to do whatever they want? Have n't they signed up for HAMP and if so, is there no regulator who is overseeing them, for the proper implementation of HAMP guidfelines?
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has  furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Product: Payday loan, title loan, or personal loan

My complaint is against Ally Bank regarding a paid in full auto loan. ( attached ) I paid the auto loan off on XX/XX/XXXX. I am still waiting for my title and lien release. I was told it was mailed on XX/XX/XXXX. I have made several calls over the past week and I am getting different information from different representatives ( who by the way are " off-shore '' ). I have also received emails from Ally Bank ( attached ) telling me it was mailed. My latest phone call was this morning ( XX/XX/XXXX ). I was told it will be another 2-3 days. Today is 10 days since I paid in full. The {$4800.00} was withdrawn from my bank account on Monday, XX/XX/XXXX. I have a deposit on this automobile from a buyer who I told that the title was mailed on XX/XX/XXXX - as indicated in an email from Ally Bank. I am totally getting the run around from representatives " off-shore '', who I feel are just telling me what I want to hear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Product: Debt collection

GOLDMAN SACHS BANK USA XX/XX/year> {$9800.00} Disputed with credit bureaus
Product: Credit card or prepaid card

Hi my name is XXXX XXXX ( XXXX internet usefname Ive been calling boa since XX/XX/XXXX regarding my frozen account today is XX/XX/XXXX nobody has given me any helpful information
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXXhas formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXX They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, .XXXX, Number : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Debt collection

I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
Product: Vehicle loan or lease

On XX/XX/year> a payments in the amount of {$570.00} was made by me for my car loan account with Chrysler Capital. On XX/XX/year> I have another payment for the same amount for my car loan work Chrysler Capital. On XX/XX/year> I was contacted by Chrysler Capital and informed of a charge back for my XXXX payment. I contacted my bank to inquire about their allegation and the back denied that allegation. They provided bank statements for the months of XXXX and XXXX and I forwarded those to the finance company. The bank also provided a confirmation of transaction for that XXXX payment in which I have attached. This has been ongoing since XXXX XXXX with no resolution. Additionally Chrysler Capital has been on XXXX conference calls with me and my financial institute who had told them repeatedly that this charge was debited from the account and that there were no disputes against this charge. In the meantime my credit score has suffered significantly. I have interest actual from XXXX and late fees attached.