23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2013 Reference # : XXXX Asset Amount : {$0.00} Court : XXXX XXXX : {$0.00} Exempt Amount : {$0.00} *15 USC 1681 section 602A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Mortgage

On XXXX XXXX, XXXX Deutsche Bank acting as Trustee ( defunct from XXXX ) on behalf of legally " dead '' XXXX filed wrongful foreclosure case against me based on robo-signed Assignment of Mortgage. Case XXXX Deutsche Bank v. XXXX In the Complaint Deutsche bank claimed that XXXX was a mortgagee for my loan with XXXX. It was not true because XXXX was not a mortgagee. Moreover, on XXXX XXXX, XXXX Deutsche Bank was not a Trustee and XXXX did not legally exist to accept any interest in my loan with XXXX. I many times contacted Deutsche Bank to obtain information on this wrongful foreclosure case as well as proof of Deutsche Bank ownership of my loan and its rights to foreclose on my property. Deutsche bank never responded to my inquiries. On XXXX XXXX, XXXX Deutsche Bank, still acting as Trustee, sold my wrongfully foreclosed property to a new buyer with a fatally defective Title.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, XXXX, & Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DEALING WITH THIS ISSUE SINCE XXXX OF XXXX  AND THIS ISSUE HAS STILL NOT BEEN RESOLVED. THE ACCOUNTS THAT ARE REPORTING ON MY CREDIT FILE DO NOT BELONG TO ME AT ALL AND MUST BE REMOVED ASAP BECAUS EYOU ALL ARE BREAKING THE LAW! PER 15 USC 1681B YOU CAN NOT FURNISH FALSE INFORMATION ESPECIALLY IF THE INFORMATION IS INCORRECT. I NEED THOSE ACCOUNTS GONE I DID NOT AUTHORIZE THOSE. THET WERE THE CASE OF IDENTITY THEFT/FRAUD..
Product: Debt collection

After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX   Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/2019, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The Home Depot/XXXX '' dated XX/XX/19 that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the Home Depot consumer credit department to advise them of this case of identity theft. However, Home Depot 's automated phone system never let me talk to a real person to report this issue.
Product: Debt collection

I received a letter in the mail from Revco Solutions advising that I had a debt owed to XXXX XXXX XXXX {$330.00} ) and XXXX XXXX XXXX ( {$120.00} ). There was no additional information verifying that this debt was valid and belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal action.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or  DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my FICO consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXX XXXX XXXX  - ( account number ) - XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof
Product: Student loan

I recieved notification in XX/XX/2023 that approx XXXX of my loans were supposed to be forgiven with PSLF. The XXXX has not fell off my total balance so my payment has not decreased. Mohela is making my payment adjustment based off the XXXX instead of subtracting the PSLF loans. I also continuously recieve emails that I am deliquent on payments even though thru Mohela it shows that I am in a administrative forbearance. Ive tried SEVERAL times to reach out via phone but the wait times are 6-8 hours. I one time spoke with someone finally but was disconnected prior to relieving my issue. If the PSLF loans were completely forgiven since the 120 payments were made then my monthly payment would be feasible and I could afford the payment.
Product: Checking or savings account

In XXXX of XXXX I opened a 7 year CD at 3.85 % with USAA. When the XXXX matured this past XXXX XXXX, USAA automatically rolled over the proceeds from that XXXX into a new 7 year CD without my knowledge or consent. The new XXXX has an interest rate of only 1.1 %. In order to get my money out I had to pay a {$2500.00} early withdrawal penalty from the new XXXX that they opened without my knowledge or consent. I tried several times to get through to the bank in late XXXX and early XXXX. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.
Product: Credit reporting or other personal consumer reports

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and experian credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX -XXXX XXXX XXXX # XXXX
Product: Debt collection

I requested that Eastern Account System validate an account that they are reporting on my credit report from WOW. The company has not validated this account and the account is still on my credit report. This is not my account. The company has not provided a written agreement with my signature on it proving that this is my account.
Product: Checking or savings account

I went to Wells Fargo on. XX/XX/14 at approximately XXXX to use their ATM after running the full transaction Wells Fargo ATM froze and declined my transaction placing at hold on the full amount. I went into the branch to try and resolve and was told the ATM was only saying I tried to withdraw {$930.00} despite the hold being {$980.00} plus fees on my checking account. I showed this to Wells Fargo and waited almost XXXX minutes. they told me they needed to speak with the higher ups and after XXXX hrs I was still not granted the full attempted withdraw amount. Wells Fargo has yet to explain any issues and why the ATM had and is continuing to have issues. Attached you will see the pending transaction from XX/XX/14 and amount from XXXX XXXX and the amount Wells Fargo manually credited to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen due to American Express and XXXX cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a XXXX account in my name on XX/XX/XXXX and attempted to open another credit card with American Express on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from XXXX and one from American Express I do not have any active accounts with either of them and never had an account with neither of them I contacted American Express they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both XXXX  and American Express I can prove to the credit bureaus these inquiries do not belong to me
Product: Checking or savings account

Hello my name is XXXX XXXX and Im a victim of Identity Theft and Fraud, is being investigated for over XXXX months battling with the wellfargo bank and so far they keep denying their wrong doing. The criminal took over XXXX XXXX dollars and they cant or dont want to pay it. I have send them all the information as well documentations regarding this matter and they keep refusing to pay me. I dont know what else to do. Please if any one can help me in this matter I will appreciate it please. Thank you
Product: Bank account or service

I had a personel account with Capital One Bank and An XXXX Corporate Account with the same bank. the bank manager closed my account and removed all funds from my personal account and deposited the funds into my corporate account without any permission and without advising me of the transaction. when I went to the branch they stated that there was two cashiers check mailed to me, which I never received they failed to tell me that they deposited my personal funds into the corporate account. its been now 30 days since that happened and the accounts are still open. I never authorized any of the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2919 a fraudulent application was submitted for a XXXX-XXXX XXXX XXXX credit card. I was notified via my fraud protection services and I immediately notified XXXX and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019.

Initially when contacting the XXXX Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days.

On XX/XX/2019 I made a 2nd call to the XXXX Fraud Team, and I was informed it would be removed in an additional 45-days.

On XX/XX/XXXX I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days.

On XX/XX/2019 I again called XXXX and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail.

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Product: Credit card or prepaid card

In early XX/XX/2019, I received 3 letters from Chase bank. Each letter informed me that a credit card account had been closed down. I had 3 total credit cards with Chase, so that meant all my cards were closed. 
I called Chase the same day I received the letters. I explained what happened to the CSR. A payment I had made did not go through because I had mis-typed my bank account info the setting up payment options. It was off by 1 digit. I had called and corrected this with a different Chase CSR as soon as I noticed the problem in late XXXX. I did to miss any payments and all accounts were paid in full at the time I received the first letters. 

The CSR told me that she would send my info to another department for review. 2 weeks later, I received 3 more letters, all dated XX/XX/2019. All letters said the same thing : Chase would not re-open my accounts. Again, all cards were fully paid and 2 of them even had small negative balances due to bonuses earned that were paid after the cards were shut down. 

My total credit limit across all cards was less than {$15000.00} and I never came close to that much spending in any billing cycle. I never missed a single payment over the life of the credit cards. Chase made a rash and ridiculous decision to close all accounts over a typo that I corrected as soon as I learned about it. The higher balances over the holidays was due to some gift cards that I purchased for friends/family. Again, none of this violated the terms and conditions I agreed to when I signed up for the cards. 
I would like all 3 credit cards re-opened. I am not interested in applying for them all over again.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent inaccuracies in my credit report. This marks my XXXX complaint about the reporting of incorrect personal information, and I am frankly baffled by the continued presence of these errors. 
The most alarming issue is the multiple variations of my address being reported. This is not only confusing but also deeply embarrassing for me. I want to emphasize that I have consistently provided you with my correct and legal personal information. 
I am formally requesting the immediate deletion of the following incorrect information from my credit report : Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX These entries are entirely inaccurate and have no place in my credit report. I urge you to remove this incorrect information as swiftly as possible. I am gravely concerned about the potential harm this may cause to my future prospects with employers and creditors who may review my credit report. 
The current state of my report paints a misleading picture, suggesting that I have simultaneously resided at XXXX different locations, with various phone numbers and employers. This gross misrepresentation of my personal history is unacceptable and potentially damaging to my reputation and financial opportunities. 
To facilitate the correction process, I have enclosed copies of my current Driver 's License, Social Security card, and a recent Utility Bill. These documents serve as proof of my identity and provide the correct information that should be reflected in my credit report. 
I expect this matter to be addressed promptly and thoroughly. The repeated need for corrections is not only frustrating but also raises serious questions about your data management practices. I reserve the right to pursue further action if these inaccuracies are not rectified in a timely manner. 
Thank you for your immediate attention to this critical matter. I look forward to receiving confirmation that these errors have been corrected and that my credit report now accurately reflects my personal information.
Product: Credit reporting or other personal consumer reports

**To Whom It May Concern, ** **Subject : Request for Personal Information Update and Deletion of Inaccurate Data** I am writing to request an update to my personal information in your records. Please ensure that the following information is the only data associated with my accounts : - **Name** : XXXX XXXX XXXX XXXX **Address** : XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Employer** XXXX XXXX XXXX XXXX - **Social Security Number** : XXXX - **Birthday** : XXXX - **Phone Number** : XXXX Attached will be documents to support my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2018 I contacted SB & C, Ltd. was referred to XXXX? and asked for verification of amount I owed. Twice she refused, said a letter was in the mail and would not verify the amount. This woman was aggressive in her tone and condescending. I told her I had not raised my voice to her and that she was being rude. The Lady hung up on me. Recently XX/XX/XXXX the judge had reduced my LFO and sent it back to collections. In the 7 years that this company has held my account, I received two letters, one on XX/XX/2018 and XX/XX/2018. Until 2018 I was unaware this company had an account for me.The interest charges on this account are being disputed. This lady has the ability to spin someones life out of control with her attitude. I have the right to be treated fairly.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XXXX XXXX XXXX  they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XXXX ), as well as the date that there were reinserted without any written notice ( XXXX ).

They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. 2025-CFPB-0002 for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Mariner Finance has been advised many times in the past not to call me or contact me at work. Mariner Finance continues to call me during work hours on my work phone. This is a violation of the FDCPA which Mariner continually disregards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX