23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from report, they are hurting my ability obtain credit.
Product: Checking or savings account

Per previous complaint XXXX, Wells Fargo stated that I had online banking enrollment from XX/XX/2012. 
I only had a mortgage and want full information as to when, by what method, and to what I supposedly gave consent. 

I am concerned as to what and how this is related to mortgage servicing and am afraid they may have opened additional banking services in my name without my permission
Product: Debt collection

On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.
Product: Debt collection

Received a notice about a pay pal credit card, never had one so discarded letter. Just checked my credit report and it is on there. I have never lived at that address and have only had 1 credit card.
Product: Mortgage

My name is XXXX XXXX, Ive resided at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, for over 25 years. I unfortunately became XXXX and no longer earn wages ( source of income is XXXX ) Ive fallen behind on payment to my mortgage company, PHH mortgages, loan # XXXX. Unsuccessfully Ive reached out to get a modification but have been instructed to pay off the entire delinquent amount before modification can be given to our property. Ive also gathered enough money to make a payment, the company has rejected it XXXX times. We have intensions of keeping our home. Kindly asking for help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account number XXXX XXXX : XXXXXXXX XXXXXXXX Account number XXXX XXXX : SanTander Comsumer Usa Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX  Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX
Product: Credit card

Chase Bank has charged a higher interest rate than allowable by law. I incurred a charge of {$95.00} for my credit card annual fee on XXXX/XXXX/2016 and this was paid in full the following day on XXXX/XXXX/2016. The interest charged on this amount was {$1.00} which equates to 1.147 % per day or 418.79 % per year.
Product: Student loan

I qualify for XXXX Loan Forgiveness for up to {$17000.00} -- I have XXXX XXXX for XXXX XXXX  years at a XXXX XXXX I submitted my application, but because the XXXX department in my county misspelled XXXX XXXX XXXX, I was denied. I fixed the form and resubmitted and it was immediately denied. 

I called and tried to contact the loan servicer -- often spending over an hour on the phone due to wait time and them transferring me. I was told everything was processed, but the 90 day threshold for approval came and went so I called back. I was told it was still being processed, but each month they take processing this loan is XXXX  of dollars in interest that keeps racking up. Someone from my XXXX  who meets the criteria and has been here the same amount of time as me had his loans ( up to XXXX ) forgiven. 

Once the forgiveness has been applied, I can pay off almost all of what I owe and move on, but for now I am stuck in limbo and is becoming more and more expensive by the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Product: Checking or savings account

I opened a money market at Fith Third Bank, the interst rate was 5.3 and when it was close to coming due I noticed that they only paid 2 %. I called and they checked it out and said yes I was right it would be fixed by the end of the week. 3 wks. later it has come due and the error was not fixed. They increased my rate but not what it was supposed to be. Called again on XX/XX/XXXX again spoke with a employee who verified that I was correct, Opened XX/XX/XXXX Due XX/XX/XXXX Money Market I have had many issues with this bank that has caused me countless hours of stress. 
I do not have any debt and they refused my husband and I a loan,
Product: Credit reporting 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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 card

I received multiple alerts about credit inquiries performed on my Credit Report. The inquiries occurred on or about XXXX XXXX XXXX. I received a denial letter from one of the companies in the mail yesterday, XXXX XXXX XXXX Thus, today, I began my endeavors to get ground truth on what is happening. I first contacted the XXXX credit reporting agency. They informed me I needed to contact the companies by whom the inquiries were performed. I have done so. Using the numbers provided by the credit reporting agencies, I successfully contacted 3 out of the 4 companies. However, the fourth company, US BanCorp, required additional research to find a number I could call as the credit reporting agency only reflected the contact data as 'By Mail ' only and provided a mailing address in XXXX, ND XXXX NOT what a consumer wants to do in order to QUICKLY put a halt on someone fraudulently applying for credit in their name. I succeeded in contacting US BanCorp using a round-about way ... a Freespoke.com search for a phone number... ANY phone number for US BanCorp to attempt immediate resolution... and am in the process of getting the inquiry removed from my credit report. I also noted a new phone number on my credit reporting agency profile, XXXX. I, nor anyone in my family, have ever had this number. I removed it. The number is possibly and seems to be from the area in which I reside. Further, one of the companies with whom someone applied for a credit card in my name used my actual current home address. The use of my actual home address coupled with the 'local ' phone number appearing on my profile leads me to believe someone local may be intercepting my mail. I have not yet filed a police report, but I do plan on it within the next 24 hours ... .still ongoing processes to re-secure my digital existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  application is still showing on my report.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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

I received a 100 % VA XXXX XXXX XXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge ( XXXX  ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as XXXX due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX, XXXX XXXX SERVICE XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX CARD XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> upon reviewing my credit report, I see several accounts listed in which are detailed below which have violated multiple provisions of the FCRA,605,607, 623,616,617 and other applicable consumer protection laws. Due to these violations I request the immediate removal of them from my report. I am also seeking monetary compensation of XXXX per violation the negligence in investigating has prevented me from securing credit opportunities and unfairly impacted my financial standing. I have listed the accounts and the violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1666, 15USC 1666 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 16USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1601, 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1692 ,15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1681 ( c ) ( 2 ), 15USC 1692g XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15USC 1681 ( c ) ( 2 ), 15USC 1601 In addition the following institutions have violated 15USC 1681 and require immediate deletion. 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

Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXX XXXX ( XXXX XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures desig
ned to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

On XX/XX/2024, consumer received an email communication from XXXX XXXX, employed with CAINE & WEINER. This communication contained harassing, threatening and extorting language and requests. Shortly after requesting the documentary evidence, I received the same extorting communication in the mail, this time from XXXX XXXX, employed with CAINE & WEINER. 

Without providing any information, with the exception of " This account qualifies for credit report data furnishing by Caine & Weiner. We furnish information to XXXX, XXXX and XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please contact us at ( XXXX ) XXXX to discuss resolution options. For your convenience, we accept payment via the Internet. Visit our online payment option at www.connectcw.com. To speak with us directly, contact us at XXXX. '' This communication has caused me emotional and mental stress, it has ruined my reputation with the consumer reporting agencies, as well as any potential creditors. This has also ruined my reputation at my job. I responded back to CAINE & WEINER demanding they provide me with the requested documentation and I do not appreciate being extorted to pay for an alleged debt. It appears the first communication between CAINE & WEINER and I was via my consumer report. 

CAINE & WEINER is willfully and negligently violating my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX  I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Product: Credit card or prepaid card

I have a business card with Capital One and have a problem. On XX/XX/XXXX my account access was locked. I contacted Capital One and they not only did not resolve the problem but they permanently locked the account with no explanation or cause. The account is in good standing, never late and is over five years old. I recontacted Capital One on XX/XX/XXXX and they refuse to resolve the issue or even let me know what is the problem so I simply made a payment. Here is the issue ; 1. Capital One refuses to provide any statements, 2. Capital One refuses to provide interest paid forXX/XX/XXXX which is needed for tax reporting 3. Capital One refuses to provide any statements going forward in XX/XX/XXXX 4. Capital One refuses to provide any person, escalation path or information regarding the account
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX, XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.