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

These accounts DO NOT belong to me.I was a victim of identity theft! I have contacted both credit reporting agencies and the creditors for a resolution. Through phone, mail, and online. As well as filed a police report. 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 MO XXXX has violated my rights. 

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

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

In XX/XX/XXXX, I attempted to refinance my mortgage with Wells Fargo using the HAMP program. I believe I fit into the classic reason the program was established. I was current with my mortgage ( never a missed or late payment ), but had lost my job in XX/XX/XXXX. I worked for XXXX XXXX and my annual salary was XXXX {$XXXX}. In XX/XX/XXXX I gained employment, but at a significantly lower salary $ XXXX. Through hard work, I was able to quickly increase my salary and was making $ XXXX by XX/XX/XXXX. Even with the increase, I was struggling to make my mortgage payment, but again was never late. HAMP was designed to help people in my situation. The stated intent is to modify mortgage terms so that the monthly payment is no more than 31 % of a persons gross income. At the time I requested a refinance my payment was 38 % of my gross pay. I was denied and encouraged to apply for a HARP loan. I agreed ( desperate to skip a month with no payment ). I did get a slightly lower rate ( from 6 % to 5.125 % ), but my old loan was " interest only, '' so the net was a higher mortgage payment. After the process my payment moved to 39 % of my gross income. I attempted to resolve this years ago and never got a clear reason from Wells on why I did not receive a HAMP modification. I finally dropped it, but after the recent news that clearly shows Wells did/does not have the proper governance and controls in place, I am requesting someone review my situation. I have since moved and found another lender to work with, but believe I am the victim of UDAP and there are likely others in my situation.
Product: Credit card

I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax do not let me access to my account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$39.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I paid my balance in full, then Synchrony closed my account without my consent. Now my credit score is lower.
Product: Credit reporting or other personal consumer reports

On my recent XXXX credit report, I discovered that Equifax has inaccurately added 16 inquiries belonging to someone else and in the process they backdating them from XX/XX/XXXX, to XX/XX/XXXX. 

These inquiries are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

It is impossible for these inquiries to be mine as each one of them have a reporting date from XXXX and my credit report had no inquiries from the prior years as well as no inquiries as of XX/XX/XXXX, through XX/XX/XXXX. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information on a consumers credit report. 

I demand the immediate removal of these erroneous inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled by the insurance company there were two separate claims. JP Morgan Chase Auto reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from Chase to XXXX including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by XXXX even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam
Product: Debt collection

This people keep calling me and harassing 3 to 5 times with different numbers, talking rudely and extremely irrespecutful and in a harassing way.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter to inform you that you have indeed violated my consumer rights as a federally protected consumer. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable also under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.

Also there is not a possible way a debt can be validated under 15 U.S. Code 1692g ( 5 ) ( b ). Law states that there is not an action to assess no credit bureau has the authority to do so. Lastly there is no investigation to conduct under 15 USC 1681a ( e ) investigative consumer report this term means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living it's obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. 
So this means there's no way any credit bureau can investigate. if so send me all the evidence and actions took during the alleged investigation. and send me proof of VALIDATION I do not consent for you to use the e-oscar system to verify or look over this matter. I DEMAND THAT YOU DELETE THESE FOLLOWINGS ACCOUNTS IMMEDIATELY. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

XXXX has XXXX collections from XXXX XXXX {$610.00} {$2300.00} Experian has XXXX collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent more then enough information on XX/XX/2020 to have these accounts listed on in my police report and ftc report blocked or deleted. i have made all the attempts Per my own request to have these accounts blocked by Law or the FCRA. This is not a company and i have been getting no where because of automated emails i get from Equifax XXXX  and XXXX. Please see attached supporting documents
Product: Debt collection

I was with XXXX XXXX until I closed my account in XXXX. I entered the store, closed my account, and paid the final balance. It was paid in cash and I was given a receipt. Once again this was done in early XXXX. They are sending me an invoice from XX/XX/ and I closed the account and paid the final balance in full in XXXX of XXXX. 
I am now receiving collection letters from companies Resurgent and XXXX XXXX stating that I owe {$1200.00}. This is 13 ( thirteen ) years later? 
I do not have the original receipt from paying the account. Who keeps a receipt from 13 years prior? 
I have requested documentation bearing my signature and they refuse to produce. I get an old bill that is not even the correct amount and is months later than when I closed the account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XXXX XXXX XXXX || DATE XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX  DATE : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Credit reporting or other personal consumer reports

Remove this inquiry made by the creditor without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had knowledge of compromised data by XXXX XXXX 2017 and said nothing, leaving people unknowingly exposed for multiple months. Also had many difficulties putting a freeze on my report with them including being hung up on when I asked to repeat my PIN number for the freeze.
Product: Mortgage

During covid I did a home loan modification with XXXX XXXX XXXXXXXX. They then sold the mortgage to Fay Servicing who increased my loan payments by over $ XXXX. Their explanation was there was no escrow funds given to them from XXXX XXXX  XXXX. It's been over a year which would have reimbursed them quarterly taxes and insurance and escrow more than enough to return my monthly payment to agreed upon amount. When I spoke with Fay Servicing, after a prolonged hold, they said they'll need XXXX hours to complete an " escrow analysis '' but said I currently have {$3400.00} in escrow AFTER taxes were paid XX/XX/23 in the amount of {$2900.00}. XXXX said the next tax payment of {$2500.00} is due in XXXX which leaves over {$900.00} for insurance ( which is less than $ XXXX ) not including what will be auto-paid from now until then. Pre-collecting taxes & insurance in escrow prior to disbursement is XXXX thing, over collecting & continuing to collect above and beyond is not only deceptive mortgage practices but an extreme financial hardship to a person on XXXX.
Product: Money transfer, virtual currency, or money service

They first told me I could withdraw XXXX $ everyday. Then they told me I could only withdraw XXXX $ per week and my deposits were counted as a transaction limit. XXXX $ deposited, XXXX $ withdraw is XXXX $ of my XXXX $ limit. When I asked when I could send XXXX $ again, they started telling me my account was on a ROLLING TIME FRAME. Something about a 7 day waiting period. I've lost money not being able to have access to my money. XXXX dropped, I couldn't move it or sell.
Product: Checking or savings account

I am a XXXX year old XXXX  veteran in a XXXX XXXX. I went XXXX with my XXXX XXXX and can not read. I would call the bank to tell me what I had in checking. One day they said {$75.00} and it should be {$90000.00}. I said where did it go? The bank gave my money to someone without a signature or any correct in formation. 
I started with complaint # XXXX and XXXX. They say closed but no one contacted. I never received no money when they said they would get it all back for me. I need my money to eat.
Product: Debt collection

As i write this, I am in complete tears. i wrote about this company prior and still no resolution! They have lied in response to my complaint! I am seeking the best legal actions to take at this point! i wake up this morning to more false reporting! they have violated me enough! clearly 15 u.s. code 1692 meaning nothing to them! But the law is the law! I have endured so much hardship due to ally financial! everything about this debt is inaccurate information reported all across the board! not only do they refused to removed this off my credit completely! they continue to taunt me! adding more stress and XXXX to my daily life! this account was put as a charge off years ago! they claim to have sold the debt allegedly owed! yet they themselves are still reporting. While the other company continues to harassed me with letters. I am in the process of trying to Move due to the pandemic and XXXX XXXX dropped my credit 100 point due to ally reporting their lies! on a closed CHARGED OFF account! ( reporting that i have missed a payment this month )! on a closed/charged off account?? from 2018! like this back and forth is sooo stressful me continuously begging them to right there wrongs have sent me into a spirally XXXX! sending letters after letter to both ally and XXXX XXXX! now on XXXX XXXX ally is reporting it as new open account! i want this delete or i wan na find the best lawyers to take legal actions I am at working in tears writing this. I am unable to focus on my job. How can they do this and also allow another company to bully me by constantly sending me letters as well in reference to the same exacted debt! I NEED HELP! THIS IS XXXX AFFECTING ME! Ally financial is a horrible company that continue to falsely report inaccurate and egregious information and I NEED JUSTICE! they are putting me through XXXX! i have documents to back the letters ive sent! voice recordings for them claiming the gap insurance being rebated but i have full evidence that it is still open on a vehicle i have no possession of! down to the last payment they reported is inaccurate. This should be a crime! this is the last plead i am making! i need this removed from my credit expeditiously! or they will have to pay me for each inaccuracy they have ever reported on my Name. now because of them i may be homeless!

Confidentiality Notice : The information in this message is confidential and may be legally privileged. It is intended solely for the addressee and access to this message by anyone else is unauthorized. If you are not the intended recipient, any disclosure, copying, or distribution of this message, or any action or omission taken by you in reliance on it, is prohibited and may be unlawful. If you have received this mail by mistake we request you to please destroy it and contact the sender immediately. Thank you.
Product: Credit card

My credit card was closed and is listed as a charge-off on my credit report. Bank of America has not sent me Form 1099-C. Their representative informed me that they are not obligated to do so. This debt is being reported to the three major credit bureaus, reflecting incorrect information on my report, affecting my credit history and my ability to apply for new lines of credit. I kindly request your intervention to ensure that this form is sent as soon as possible to my registered email address : XXXX. Attached are supporting documents.
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 Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$390.00} This account is incorrectly being reported as a charged off account with a balance to {$0.00} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX Original creditor is 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 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 the the information is inaccurate
Product: Bank account or service

When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days.
Product: Debt collection

I received a letter from XXXX XXXX XXXX addressed to my estate. I was reported by synchrony bank who put on my credit report that I was deceased. XXXX got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called synchrony bank and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by synchrony bank and receiving letters to collect a debt from a dead person. I really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the COLLECTIONS AGENCY regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Debt collection

I tried to contact state line collections in XXXX Wisconsin for medical bills. I talked to a lady today at XXXX XXXX. I asked her what bills I owed from XXXX XXXX XXXX. She then said that there is a XXXX XXXX on my account. I was super mad saying I dont have any kids and that is so hurtful to me. She then asked do I have any family members named XXXX. I said there is no one in my family named XXXX XXXX. I said my nephew goes hunting for deer but that is the hunt we do. She then puts me on hold for like 2 minutes comes back and says I realized I had you on hold. I said listen I am turning you in to the government for fraud. I can not express how hurt I am. Every which way I turn there is someone trying to hurt me. I want proof of these medical bills. I asked her what is hunters date of birth. She said she cant tell me that information even though this fake XXXX is on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

1st account : XXXX XXXX reported late XXXX ( Please note that the date of this late payment also has inaccurate dates. my Experian says it was a late payment in the month of XX/XX/2023 & my XXXX says it was reported late in the month of XX/XX/2023? 

2nd account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX