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

1. Chase MTG, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a Chase Bank representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with Chase Bank. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

Apparently, a test was done and I was billed for it {$310.00}, via XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

I have Medicare, A, B and C with XXXX XXXX XXXX, XXXX as secondary. 
All the Medical procedure 's provided for XXXX, I've never received a Bill XXXX Why I was not informed ahead of time. Normally, the XXXX will send me to another location that pays for Specialty Tests. 

I have attempted a few times to research what this is about? No one seems to know? 

Thank you, XXXX XXXX
Product: Debt collection

2. The next complaint is XXXX Community College is reporting the same debt twice on my credit report from Automated Collection Services and XXXX XXXX XXXX. Both have the same amount owed and paid. Automated Collection Services is showing XX/XX/XXXX and XXXX is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX  or the collection agencies will fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this derogatory ( Collection/Chargeoff ) off my credit report for months. I have sent in 5 disputes, and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud alert on my account nobody can get any info unless they could call a number I have listed which need to be updated there are 27 inquiries on my credit that experian has given my info to and there are addresses that I never lived at XXXX XXXX XXXX XXXX XXXX IL reported XX/XX/XXXX I have never lived there reported XX/XX/XXXX XXXX XXXX XXXX XXXX NY multi unit do not live there there a several names on my credit XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX XXXX never used this name XXXX XXXX XXXX never used this name I have been violated under the fair act law
Product: Mortgage

I am once again filing a complaint for Select Portfolio servicing out of XXXX, Utah. 
My loan they claim they are servicing has XXXX as the trustee. Select portfolio is also owned by XXXX. XXXX these banks have, as late last year, agreed to settlements due to fraudulant mortgage practices and have agreed to help the borrowers as part of their settlement. I called Select Portfolio to see if my mortgage would be part of the settlement. I have tried for many years to get a fair modification from Select Portfolio. They claim to have no idea about how the settlement would work or if I am a part of it. I have sent documents, as instructed by both XXXX and XXXX XXXX, to find out if the trust my loan is part of will be getting funds from the settlement. 
In the mean time, although I had talked to Select Portfolio telling them what I had done and that I would not be hearing from either bank for a couple of weeks, they have foreclosed on my house. The sale date is XX/XX/2016. I believe I should not be foreclosed on while I wait for information on settlements from XXXX banks that select portfolio is heavily involved with and I demand they hold off on the foreclosure process until they know if my loan is part of the settlement from their parent company, XXXX XXXX or from the trustee bank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 30 days late marks in a different dates which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

This is complaint against Synchrony Home Design Credit Card. I had this card over 2 years now. But when I did my refinance back in XXXX my title company issued a check of the full amount on the credit card. They posted the payment at one point and then they reversed it back on the account in XXXX and since then they are reporting my account past due. I called them multiple time to fix this but they are not cooperative at all. I had a brief call this morning to find out what is going on with that account. The account manager tells me that there was some more information required in order to process the payment which I was never informed prior to today. She also claimed that they still have the check in their possession. I asked them what information they need and once I provide that how long will it take to resolve this issue she tells me it can still take up to another 60 days which I feel it should not be as everything on the account currently is because of their mistake. I would like to resolve the issue at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my TransUnion account online at www.transunion.com 2 ) I want my TransUnion account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. As of right now - I am not able to login online.

Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Good day- Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX XXXX that the account is 90 days past due. This was removed/blocked from my credit report in XXXX for it being fraud. Now suddenly it has reappeared back on my account from over XXXX years ago. The original Identity Theft Report was dated XX/XX/XXXX. The case # is XXXX. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A XXXX NEW REPORT WITH THE DELETION & gt ; Again, you are reporting this and its inaccurate. MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report. 

Thanks XXXX XXXX XXXX
Product: Mortgage

When Wells Fargo assumed the mortgage for my home in XXXX, the interest rate was 2.67 %. Wells Fargo raised the rate to 3 %. I gags spoken to them in the phone numerous times and they claim ignorance of just didnt care. I have the proper paperwork to prove what Im saying
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.
Product: Mortgage

On XX/XX/XXXX I visited a Wells Fargo Branch to inquire about my loan balance of {$58000.00} and to find out when my loan type was changed and why I was not notified. The loan officer at the branch stated that they were unable to answer any of my questions and said I would need to call the XXXX number on my statement. I then called the number on my statement and they transferred me to the Home Equity Servicing Operations and the young man that answered referred me to XXXX XXXX but she did not answer and I left her a voicemail stating the reason I was calling. A few days later on XX/XX/XXXX I  received in the mail a Transaction Statement, I reviewed the statement and attempted to call XXXX and left another voicemail stating that I had requested an amortization printout for my loan not a Transaction Statement and I would like to know when did my loan become a Simple Interest Equity Home Loan when my Promissory Note states that it is a 30 year fixed at an interest rate of 7.24 % in the amount of {$65000.00} and the Settlement Statement states a Conventional Loan. I reached out multiple times during the next couple weeks trying to speak with XXXX but without success. I them asked if someone else could help me and he said at this time no and XXXX was out of the office. On XX/XX/XXXX my wife was able to speak with XXXX and she attempted to explain that when Wells Fargo took over our loan they decided that it was best serviced as a Equity Simple Interest loan instead of a Conventional loan. My wife asked her to explain a simple interest loan and she said it 's a type of loan that accrues interest daily from payment to payment not monthly like a conventional loan, at which time my wife asked why were we not notified and got no response. XXXX then stated that she had prepared an ammoritization chart for the account and would be dropping it in the mail but it was only accurate if we brought the account current by XX/XX/XXXX.  After speaking with XXXX my wife relayed to me what had been said at which time I called XXXX myself and asked her why did years go by without any principal being applied to our mortgage even when we paid on the XX/XX/XXXX or within the grace period based on our documentation and she repeated the same thing that she had told my wife at which time I decided to contact my attorney and he suggested that I go ahead and file a complaint. On XX/XX/XXXX we finally recieved a Recalculated Amortization which shows that if we are current by XX/XX/XXXX by the last mortgage payment on XX/XX/XXXX we would have a balloon payment in the amount of {$18000.00} which we did not have in our original documentation, how and why are my questions which she can not provide an acceptable explanation. I am attaching documentation of our Settlement Statement, Promissory Note, Truth-In-Lending Dsiclosure Statement, Transaction Statement and Recalculated Amortization.
Product: Debt collection

I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.
Product: Credit card

Synchrony Bank took funds out of my checking account with my consent. This is causing me to go without money for me and my family of XXXX for over two weeks. I can not even feed my children due to them taking out money without my consent. I understand that I was late in my payments due to my job loss, but I had never agreed nor had a monthly payment reoccurring plan set up with them. How did they get my bank account information? Is n't that theft and fraud? I am still struggling and plan on making payments to them but how can they get away with this.
Product: Checking or savings account

We always check our bank accounts to check on balances and transactions. We were surprised to see a {$1000.00} ATM withdrawal from our account on XX/XX/XXXX. The withdrawal was a Non-WF ATM withdrawal somewhere in Pennsylvania. My husband and I were nowhere near Pennsylvania at that time. As a matter of fact, we were not in the United States at that time the withdrawal was made as we were both on a cruise from XXXX XXXX XXXX and we both have our ATM cards in our possession. My husband had been XXXX  since XX/XX/XXXX and only returned to the United States on XX/XX/XXXX. As a matter of fact, my husband used his ATM card in the XXXX which shows that he has his card in his possession. 

We contacted Wells Fargo Bank N.A. right away to report the fraud incident. They conducted an investigation and told us that our claim is denied as the chip was used to conduct the ATM transaction by us or someone authorized by us and it was legitimate. 

We have proof we were out of the country when the incident happened so it is impossible for us to make the withdrawal. I sent an email to their cardclaim department and attached copies of our airline itinerary and cruise documents showing that we were out of the country. They told me that a supervisor would contact us in the next 2 business days but we never got a call back. I called again and was told the same thing but never got a call back. Someone called us yesterday while we are at a graduation ceremony and left a voice mail. We tried calling that person back, but no success. 

I searched the internet and XXXX  if a card chip can be duplicated and sure enough there were articles of criminal activities of cloning ATM chips. I demanded Wells Fargo to investigate further but they refused and insisted that our case is closed. Our case is never closed for us as we are out of pocket by {$1000.00} plus the {$2.00} Non-Wells Fargo transaction fees. We are not rich people and this amount is a huge amount for us. 

Wells Fargo is supposed to protect our money. However, in this case, they did not protect us and they did not do their due diligence. They should go after that person who made the withdrawal who obviously is a criminal and conduct a more thorough investigation and return our money back to us.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$330.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX AFFIANT XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEFENDANT : MISSION FINANCIAL SERVICES GROUP CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX number XXXX XXXX CO-DEFENDANTS : XXXX XXXX XXXX XXXX number : XXXX, XXXX, XXXX SUITCASE GO AFTER MISSION FINANCIAL SVCS CORP. XXXXXXXX XXXX TO SUE UNAUTHORIZED BONDS , SECRET CONTRACTS , DOUBLE RECOVERY, INSURANCE FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ACCOUNT # XXXX DEAR DEFENDANT : MISSION FINANCIAL SERVICES GROUP CORPORATION IVE RECENTLY REVIEWED MY XXXX & XXXX XXXX XXXX IVE NOTICE THAT YOU HAVE AND XXXX XXXX XXXX XXXX XXXX ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN XXXX XXXX FEDERAL FINANCE DIVISION/US TREASURY. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099-C & BILLING ERROR OF BEING LATE FROM MISSION FIN. SO, I AM REQUESTING A COPY OF 1099-C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX XXXX MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY Human Wet Signature THAT IVE RECEIVED IT. [ IRS FORM 211 WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : XXXX XXXX XXXX  XXXX Living man, Im far from being dead XXXX XXXX XXXX ACT 1666 Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES INC PER HJR -192 1933 USC 6802 RICO SUIT SECURITIES CLAIM If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a FRAUD SUIT 18 USC 1028A
Product: Debt collection

Upon looking at my credit report on XX/XX/2020, I realized that I had 2 collections from the same company for the same debt, one for {$1100.00} and another for {$1600.00}. So starting off they are reporting FALSE information. On top of that, they WERE NOT licensed when they obtained my collection.
Product: Checking or savings account

I received a new business debit card on XX/XX/2022 through the XXXX  Mail from Square, issued by XXXX Bank. I have had no previous business interaction with Square. The card I received was for a new business checking account for which I didn't apply. I did not attempt to activate or use the card. I contacted Square customer service on XX/XX/2022 at about XXXX XXXX XXXX. The person I spoke to took my name, email address, and the account number from the card. I explained that I had received the card without applying for a new account. The representative from Square checked the account, saw it had no account activity, and immediately had the account closed. I asked the representative about submitting a fraud report with the FTC. They agreed and recommended that I file a report. 

The issue was resolved quickly and easily, but I still decided to file a report so there would be a record of the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. 

Please remove this account from my credit file.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX, and everyone else I spoke to that day, they refuse to give me their names. And other Bank of America, discriminate against as a XXXX members they made me wait excessive wait times and hung up on me multiple times. 
Filed a complaint that she submitted with out reading to me. Refused to file my complaint as stated and wouldnt tell me the next steps.