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

I have identified information on my credit report that is a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXXXXXX XX/XX/2019 XXXX XXXX XXXX XXXX I have expressed this concern verbally and orally to the reporting agency over 30 days ago.
Product: Vehicle loan or lease

I attempted to payoff the vehicle at the end of lease through XXXX XXXX in XXXX, PA. The dealership spent a month telling me they can not accept my check and that i would need to take a day off work to come in as they refused to process payments on Saturday when they are open. They then told me I could make a payment through the Finance company. The finance company declined to take the payment as they said it has to go through the dealership. This extended well past my End of lease. Once my lease ended they stopped taking payment on the past due amounts that continued to stack up while i tried to make the payoff. They have since reported me as both 30 and 60 days late on my credit while refusing to take payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX and have no access to paypal or accou ts attached but can give other unique identification but they refuse as well as admission that fraud may have occurred
Product: Credit card or prepaid card

My account opened on XXXX, after 3 years ask me send in my Drivers license and SSN card and documents for verification, all those copies? all those documents can be required when I am opening a new account may needed, also I dont think giving anybody of my SSN card copies and may documented other then Government department is legally, Instead of last week I verified my account many times throw text messages, phone calls, and go in to the store with my photo ID, my account was back to back locked, This is not for customer account protection, May I know is that happen with every customer account holder? I have just cleared my balance on my account, and Im sorry I dont feel comfortable to sending all those documents to Nordstrom in the mails.please have someone contact to me, I may choose to close my Nordstrom account.

also just checking I did not missing payment, why put a 30days late payment alart on my credit reports on XX/XX/XXXX.
Product: Checking or savings account

Hello, I am not sure if you deal with ALLY bank. I have had issues with them since I started banking with them. I had filled disputes earlier this month and they blocked my account from doing so. I am unable to even look at my account. I get paid through XXXX  which is linked to Ally. I called Ally to unlink my XXXX account and they will not do so. I have been hung up on when asking for a supervisor by the back office. I recently was paid through XXXX and they will not give me my money. I was told this would be resolved in 3-5 buisness days and this was on the XX/XX/XXXX. I need my money like anyone else and I don't see how this is legal to hold someone's earnings as Ally is doing. I've had nothing but issues with this bank from the start. At this point I don't care about the disputes I just want my money Tha was sent through XXXX and they will not give it to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my credit reporting tool that on XX/XX/23 with a social security number fraud alert informed me that it was used associate with an address where I never lived nor has been associated with before. The address is XXXX XXXX XXXX, XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : //www.equifaxsecurity2017.com/ validating made up information, therefore providing incorrect information about the security breech and affected persons. Unable to properly determine if affected or not due to this.
Enter " XXXX '' as name and " XXXX '' as SSN
Product: Debt collection

I received a mail on XX/XX/23 about a past due amount of XXXX to XXXX XXXX XXXX, after calling the debt collector online information services it was found that this account was fraudulent as the service address is not an address I have ever been associated with. 
I then called XXXX XXXX XXXX, and stayed the same to them. the customer service agent then directed me to fill out this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter regarding XXXX XXXX XXXX XXXX account # XXXX. I had received a letter back from TransUnion file number XXXX stating account not specified. As Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you could not verify the information within the 30 day time period, account should have been deleted from my credit report.
Product: Debt collection

I have already reached out to XXXX XXXX company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. 




This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the XXXX or XXXX XXXX. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and XXXX and XXXX XXXX called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
Product: Debt collection

I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.
Product: Credit reporting or other personal consumer reports

I purchased my home in XX/XX/XXXX with XXXX XXXX XXXX  who sold my mortgage to XXXXXXXX XXXX on XXXX I refinanced my home with XXXX XXXXXXXX XXXX. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. 
XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. 
I have attempted to get all statements of my account from XXXX XXXX XXXX, I have also filed disputes with different agencies. XXXX XXXX XXXX now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. 
In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.
Product: Debt collection

AMSHER COLLECTIONS SERVICES, INC. has failed to provide necessary request to validate any alleged debt owed to them by the Estate of XXXX XXXX. Not only are they in violation of [ 15 USC 1692g ], they are attempting to do business in a Florida which is a State that they are not licensed to operate which is in violation of [ 15 USC 1692e ] This company has violate consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated 3 inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that 14 inquires were generated on XXXX, 6 on Transunion, and 9 on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days,  creating several entries. These inquiries were UNAUTHORIZED. I  have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : XXXX XXXX XXXX XXXXXXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Thank you for your assistance on this matter.
Product: Student loan

In XXXX, my husband and I took out $ XXXX each to go to an XXXX prep school. This was not a Title IV school. The school 's name was XXXX University. The purpose of the school was to help prepare for the A+, N+ and MCSE computer certifications. Shortly after attending the school filed for bankruptcy. Since these loans were person loans, we had to continue to pay on them. In XXXX my husband and I filed for XXXX XXXX bankruptcy. Our bankruptcy was finished in XXXX. 

In XXXX Navient reached out to let us know we will start paying them since the bankruptcy was over. I wrote Navient a letter stating that the loan should have been discharged because the loans were not from a Title IV school. I sited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Class Action Lawsuit Case No. XXXX and I referenced the Federal School Code list from XXXX indicating XXXX  University located at XXXX XXXX XXXX XXXX XXXX, Kansas XXXX was not on the list of eligible institutions for Title IV. Navient put our loans in forbearance while they completed their research. I called Navient every couple of months to check in but there was no movement. 

In XXXX, Navient told me that it was not likely these loans would go away and all I was doing was building up interest. They told me to start paying the loans. I took a 401K loan out and paid my husband 's loan off. For my loan, Navient said to refinance it with Navi ReFi. Today I saw that the suit was finally settled.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A SECTION 2 : it also states a consumer reporting agency can not furnish 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 record of conventions 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: Checking or savings account

An elderly XXXX man who did yard work for me for years and was the helper of a deceased man who did home improvements for me has asked me for money and I have granted him the money because he is a friend. After paying exorbitant fees to XXXX, along with XXXX  XXXX XXXX 's additional fees because these are " cash '' transactions, I decided to revise the man 's checking account with Wells Fargo to include me so that I could quickly move cash into his ( and now my XXXX Wells Fargo checking account. Normally these transactions take 3 business days. The XXXX man, whose deceased wife handled the family financial transactions, was always low on available funds for rent and food. The joint account was established in XX/XX/2019. Months of small grants from me to him proceeded smoothly. I never withdrew money from his account. All deposits were electronic. No checks. In a conversation with my financial adviser she said the arrangement was stupid since I am retired and plan to live a very long time. I closed a separate checking account that I opened at the same time as the aforementioned joint account. I told the XXXX man that I was no longer going to be able to help him. Beginning XX/XX/2019, person or persons unknown deposited fraudulent checks totaling {$21000.00}. Wells Fargo did not wait for the checks to clear. Wells Fargo happily handed cash to whoever was depositing the checks. I reported this several times to the financial institution. They refused to remove me from the joint account without the XXXX man being present at the branch. He was, at the time, in the hospital. Today I received a letter from Wells Fargo threatening to ruin my credit rating if I, personally, did not pay {$21000.00} to Wells Fargo. They also intend to close the joint account effective XX/XX/2019. Wells Fargo could have but did not use due diligence with these multiple checks that turned out to be fraudulent. I have retained counsel.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( 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 designed 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.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX
Product: Mortgage

Arrest mortgage accepted XXXX payments on XX/XX/2022 amounting to {$2300.00} that I erroneously made to them. They sold my mortgage in XXXX and I paid the wrong mortgage company this month. They deny having my money despite my bank providing proof they sent the money electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get phone support with Experian and XXXX and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from Experian and I need to have this fix thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I contacted the debt collector with a debt validation letter. Within that letter, it specifically stated that the only forms of communication were by mail only, with no calls or emails. The letter was sent by certified mail. I have proof that they signed for it but on day XX/XX/2022 at XXXX XXXX  they left a voicemail and I still have the recording & screenshots of the voicemail from their office location. 

The debt collector is in violation of 15 U. S. Code 1692c-Communication in connection with debt collection, 15 U. S. Code 1692b ( 2 ) Acquisition of location of information, 15 U. S. Code 1692c ( a ) Communication in connection with debt collection,15 U. S. Code 1692d ( 2 ) Harassment or Abuse & 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Product: Checking or savings account

Approximately two month 's ago I was informed by BMO Harris Bank of ( XXXX XXXX, WI XXXX ), by a teller that I had extra account ( s ) in my name ( showed up under my personal account information ). Estimated date was XX/XX/XXXX. I dismissed that info provided by the teller ( thinking it was an error on the teller 's part ). one week later, I went to BMO ( same location ) and performed a transaction inside the bank. Upon making a withdrawal from my individual checking acct the teller had asked me which acct I wanted the funds to be pulled out of? My individual acct or my premium money market acct. I declared my individual acct. After the completion of that transaction I requested to speak with an acct representative. The rep ( XXXX XXXX ) is whom I spoke with. I had inquired with Ms. XXXX about obtaining some deposit history to my individual checking acct. When Ms. XXXX opened my acct information, an additional acct showed up ( MM Acct ). Ms. XXXX inquired, which acct? I said the individual checking. She said the info that I requested would take a few days to acquire the documents. Then, I requested information on the ( MM Acct ), that is or has my name and personal info attached to the acct ( as it appears each time I utilize the bank for a transaction ). Ms. XXXX played down my inquiry. Refused to disclose the acct holder 's name, refused to release any info to that MM acct that has/had my name on it. I became angry, angry in fear of someone having my acct information, utilizing my name on an acct that I did not open, that I did not provide a signature to the acct. I'm in fear of being held responsible for fraudulent activities. Ms. XXXX, only stated that I maybe receiving a small inheritance., a beneficiary possibly. THIS WAS NOT AN ACCEPTABLE RESPONSE! ... Now, on XX/XX/XXXX I spoke with acct rep Mr. XXXX XXXX, I had made an inquiry about the mm acct. The rep stated there was no other account showing up other than my own two ( individual checking & savings ). This tells me an acct representative move that mm acct off of ID, but it does not assure me that my name is removed from the mm acct and a CD acct. I expect absolute assurance that my name has been removed from these acct 's, ( not just moved off my ID and placed on a different board whereas it no longer shows up with my board/ID.
Product: Checking or savings account

In XX/XX/2021, chase closed all my bank account and credit card with out any reasons. And i tired a lot of times that if they could reconsider about closing my account but they refuse to do that in very rude way. i have no idea why they closed my account without any pre-notification, and i am currently travel aborad, and they just canceled all my card which makes my life really difficult. i have no idea what is going. i have the only clue that may cause this happen, it is i upgraded my chase student account to the chase private client account because the banker keep push me to do that. i have no idea about this kind account, they tell to do it, i just do. please help me re open my chase account, even just the checking and saving account. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

They are charging me a debt that does not exist, I appear in person at the office and the debt is closed, now they want to charge me an amount that does not exist
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

I have received numerous phone calls / voicemails from XXXX. They never identified themselves, said why they were calling, only saying that it was a personal business matter and refused any other information and kept insisting that I identify myself. I hung up on them several times and they kept calling. I also never received notice of right to dispute either.