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

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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 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 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 XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I check my consumer report & seen that SPRING OAKS CAPITAL LLC was reporting a ALLEGED DEBT on my report! SPRING OAKS CAPITAL LLC never sent me any information about this ALLEGED DEBT. I am disputing and requesting validation according to Title 15 U.S. Code 1692g SPRING OAKS CAPITAL LLC HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from XXXX claiming to be from Chase directing me to what looked like the Chase website ( http : //www.chasexp.co/l ) I was asked to enter my account information and answer security questions to unlock my account, which I did. On XX/XX/XXXX I saw my savings account balance was short {$4000.00} and immidiately called Chase. I was told that on XX/XX/XXXX & XX/XX/XXXX {$4000.00} was transferred out of my savings account via the Chase-XXXX  XXXX app. It was supposedly sent to my mother XXXX XXXX at XXXX XXXX  XXXX. I did not initiate or authorize these transactions and after checking with my mother she never received any notification of these transactions nor any deposits. I will include her bank transaction history to show this ( and she has had the same account for years. ) When I filed the initial fraud claim with Chase I had not connected the XXXX message and the fraudulent account access. 
I have filed a reports with FDIC ( ref # XXXX ), FTC ( ref #  XXXX ), XXXX PD ( report # XXXX ), XXXX XXXX County Sheriff ( report # XXXX ), FBI - IC3, Federal Reserve and a claim w/ Chase ( claim # XXXX ) I have copies/confirmations for each agency. 
Chase at this time has said that the transactions will not be reversed because they believe the transactions were authorized from my device. This is not the case. I believe my IP address was used after being obtained via the false XXXX. I do not believe that Chase is taking this seriously at all but I will be opening a secondary investigation with Chase & submitting the additional information &  documentation I now have. Upon looking into this further I discovered that the text message I received was from a cell # from XXXX XXXX ( XXXX ). Also while looking into my cell phone records I have found that I received one of these phishing text once a month usually on or around the XXXX. Prior messages claimed to be from XXXX XXXX and not having an account there I dismissed the XXXX  and completely had forgotten by the end of the next month. When I received a message claiming to be from my bank, Chase, I assumed it was legit ; not remembering the XXXX XXXX messages until now. 
As well as the 2 trasactions for {$2000.00} each thru XXXX, there were 2 online transfers from my savings account to my checking for {$2000.00} during the same 2 days. I believe whoever is behind the fake XXXX transactions also initiated these online transfers. Again I did not initiate, authorize or even realize there had been 2 specific online transfers ( not made by me ) until getting my transaction history from Chase. I believe that Chase needs to look further into where those online transfers originated as well find out where exactly the transactions went to since their information of XXXX XXXX is incorrect.
Product: Debt collection

XXXX XXXX reported me to XXXX XXXX credit bureau for 3 different accounts. One of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with XXXX XXXX, I have never signed any contract with XXXX XXXX, and I certainly have never given my consent to XXXX XXXX to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. XXXX XXXX has violated my right as a free man. I repeatedly demanded that XXXX XXXX provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. XXXX XXXX clearly violated my right of privacy, my right of freedom, and etc .... I demand that XXXX XXXX cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I BEEN REACHING OUT TO LEXIS NEXIS ON MANY ATTEMPTS TO GET THIS MATTER HANDLE AND THEY STILL REPORTING TO INSURANCE COMPANIES INFORMATION THAT IS NOT MINE. SOMEONE GOT INSURANCE IN MY NAME AND BEEN HAVING ACCIDENTS IN CARS DONT EVEN BELONG TO ME AND I ADVISE THEM OF THIS AND THEY STILL REPORTING INACCURATE INFORMATION ACCIDENT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE ARE DATES OF ACCIDENTS THEY ARE REPORTING THAT IS NOT MINE ON MY INSURANCE HISTORY AND LICENSE
Product: Mortgage

My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.
Product: Credit card

Chase review account on XX/XX/year> and credit report and decided to reduce my credit limit based on a high limit on my XXXX XXXX card. This card is used to pay utilities, taxes, business expenses, etc. to receive XXXX rewards, and I explained to the issuer that I have been making needed home repairs. Additionally, I reminded them I have frequently used this card and never had a limit reduced ; however, usually this time of the year they are increasing my credit limit. I informed them I have never been late, pay way over minimum payment amount monthly, have a high credit score and usually pay down the account throughout the year with commissions and bonuses. The representative again responded that the decision was based on the XXXX XXXX having a high balance and not my credit score. They would review my account in 60 days after I paid it down and could call them again. I told her their actions felt targeted, unwarranted, and they were using a policy that did not pertain to me to justify the targeted action which would negatively impact my credit report and result in other creditors probably following suit. I believe their actions wereXX/XX/XXXXmotivated.
Product: Vehicle loan or lease

I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards. 
I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days. 

Transunion failed to respond telling me how they did their investigation. Who did they talk to at the original credit grantor? Did they write them? Was a UDF form used or was this through electronic automatic dispute verification? Did they contact them at the same address/phone number listed on my report? 

The FCRA says that Transunion has to tell me this in 15 days if I ask. Transunion provided no response nor deletion of the tradelines. Transunion failed to Tell me exactly how they verified this and include the full name of the person they spoke with. 

Transunion failed to respond to my MOV letter & failed to delete the tradelines after 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/18 that a debt with XXXX was verified and the company sent me documents as proof with someone else 's name, address and vehicle description. The contract also has the name XXXX on it and not XXXX. I have tried numerous times with certified letters to get this resolved with the company itself but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. There is no validation or verification of identity.
Product: Mortgage

We received a check from New Rez the beginning of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We told them we were not cashing it because they didn't have the correct assessment for the escrow account. We knew we would be short. We still have the uncashed check in our possession. Then the middle of XX/XX/year> they redeposited the money back into escrow ( XX/XX/year> ) but then withdrew it a few days later ( XX/XX/year> ). See enclosed payment history from NewRez.They are telling us that we called them and asked for the money to be resent so they sent us a new check for {$2200.00}, check number XXXXXXXX XXXX XXXXXX/XX/year>. They said we cashed the check on XX/XX/year>. We did not call them nor receive the new check. We asked for a copy of the cancelled check and they sent us a copy of a check that had void across the front and the back did not have endorsements nor any bank stamps showing that it had been cashed or processed at any bank ( attachment included ). We have confirmed with our bank they do not show any records of this check being deposited in either XXXX XXXX XXXX XXXX XXXX and the check would have their processing stamps on it if they had deposited or cashed it. 

I have tried talking to NewRez 4 times but have not gotten anywhere with them. They do not appear to have a copy of a cancelled check with any bank processing stamps on it. We just want the money put back into escrow where it belongs unless they can show us that we did receive it and cashed it and have forgotten that we did this. 

I know we are up in our years but we are not senile nor forgetful and do not believe we ever got the check nor cashed it and they can't prove to us that we did. I asked for a manager but they would only let me speak to the lead person and we got nowhere with him. We would like someone to intervene on this issue and assist us in putting it to bed once and for all. 

I did call XXXX XXXX XXXX XXXX and tried to see if they could send us a copy of the cancelled check but they said New Rez had to make the request.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 card

XX/XX/year> was my due date of XXXX  credit cRd acc with wells fargo, i have set up automatic payment and until end of XX/XX/year> there was no information about the automatic payment and there is no trace that automatic payment is set. I called wells fargo customer service and the staff confirm what i see and said there is no pending payment or any processing payment from the autmatic payment i have set. She then recommend me to pay it manually because that day was the due date to avoid the fee ; i express my concern that i dint want to be in the situation where i have to pay the bill twice as i dont have enough money in my bank to cover the payment twice. The bill was around XXXX XXXX she then assured me there is no pending payment from the automatic payment and if i pay it manually it will cancel out the automatic payment so i wont pay twice. i did then pay it manually and the next day i got notice thay my other bank has minus balance because wells fargo debit my XXXX XXXX the amount of the cc bill twice, resulting in XXXX debit in a single day. I then have overdraft issue and each day fee is XXXX $ ( XXXX XXXX ). I called wells fargo the next morning and they said they cant do anything and reversal will take them 11 working days to process. Now each day this issue caused me XXXX $ each so 11 days will cost me over XXXX $ ++, and if overdraft include weekend day this will cost me well above XXXX $!! I called wells fargo multiple time and there is no sense of urgency to return back the money and no willingness to help.i am still left hanging with XXXX fund in my primary bank acc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at my current address since XX/XX/XXXX. All of my accounts are tied to my address even previously opened accounts yet Experian still have a po box and my previous home address still listed on my credit report stating that creditors supplied that address. Never lived at a post office box and havent owned my previous home since XXXX. Remove those outdated addresses
Product: Credit reporting or other personal consumer reports

I call them but some of my credit is still not clean up
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS FRAUDULENT HARD INQUIRIES. THIS ARE FRAUD AND WAS NEVER AUTHORIZED
Product: Debt collection

I payed the XXXX XXXX office with my XXXX credit card and they said they never received payment, I have a receipt and they always make you pay the day of service
Product: Debt collection

This debt collector has gotten a list of employees at my job and calling them on their private phone numbers to tell them that he is trying to collect a debt from me.
Product: Student loan

I 've been setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$8800.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has an account that belongs to my XXXX and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and XXXX XXXX verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my XXXX  XXXX XXXX XXXX card account. This is notice to XXXX XXXX that I want to be removed as an Authorized User from the account or my XXXX  XXXX XXXX of XXXX XXXX XXXX  will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY XXXX ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were divorced in XXXX  2021 in XXXX XXXX, XXXX. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for XXXX XXXX failure to delete this account at my demand and federal rights.