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

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Debt collection

I contacted XXXX XXXX, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and XXXX XXXX, cease communications. XXXX XXXX, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with Alltran, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and XXXX XXXX, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX Creditor : 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 an account without my written instructions. 

This account is fraudulent account, I don't recognize this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report for the same auto loan. 
The company is CNAC  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX They also performed a hard inquiry on my credit when I defaulted on the loan amount and my car was repossessed. 
Date : Inquiry fromXX/XX/2018 was not aware of this nor did I authorize. Not sure what I can do to resolve these
Product: Checking or savings account

On XX/XX/XXXX I reported unauthorized debit card transactions to Chase Bank and on XX/XX/XXXX, received " permanent '' credit after Chase conducted and completed their investigation. On XX/XX/XXXX the same merchant was able to debit my account which was now listed as a " reacurring transaction '' and I notified Chase again and this time I was issued " provitional '' credit that was reversed on XX/XX/XXXX. I found out today that Chase Bank 's Caim Department input the claim incorrectly listing the payment method as " other means '' but failed to provide me with what " other means '' meant. I spoke with customer service and retail claims, was hung up on by " XXXX '' in retail claims after he failed to provide me with basic protocol guidlines that a financial institution must follow under federal regulation, EFTA, 15 USC 1693 et seq which was implentnted by the federal reserve and its sole intention is to protect consumers. Chase Bank and their refusal to uphold their fiduciary obligation under Regulation E borders on criminal. I would like a formal investigation conducted into JP Morgan Chase Bank for unfair and unethical business practices, violations of regulation e, tax evasion, breach of contract and violations of the CCPA.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vechicle and due to this was our first car loan and we are self employed I couldnt get approved they took 3  months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped XXXX points help please
Product: Credit reporting or other personal consumer reports

The account closed and reflected as closed on my credit report in XXXX of 2016 the company has extended the closing date several times and refuses to remove the entry from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from XXXX XXXX, the holders of my XXXX XXXX Credit Card, stating that they lowered my credit amount from {$1600.00} to {$400.00}. I had, in fact, recently paid my XXXX XXXX Card off entirely then began to use it again. I made all payments ON TIME and only used approximately {$380.00} of my credit line. I did not ask for an increase. XXXX XXXX informed me that they ran a recent review of my account, without my permission. Due to the response from Transunion Consumer Relations ( www.Transunion.com/XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX, XXXX, PA XXXX XXXX-XXXX-XXXX ), they were given the following inaccurate and untrue reasons for their decision : 1. Serious Delinquency 2. Proportion of Balances to Credit Limits on Bank/National Revolving or Other Revolving Accounts is too high 3. Too few accounts currently paid as agreed 4. Proportion of Loan Balances to Loan Amounts is too High 5.  Number of Inquiries was a Factor in Determining Score As a result, my FICO score dropped from a XXXX to a XXXX. 

In XX/XX/2019, I was granted a Home Equity Line of Credit of {$50000.00} from XXXX XXXX. Most of this money was used to pay off credit cards and an installment loan. As a result, I have not applied for any new credit since obtaining this HELOC and should have no new inquiries on my report other than XXXX, themselves. I paid off the installment loan, as well as many of the credit cards, with the exception of two. The ones I did not pay off, have been part of a Credit Management Program for two years and have been paid consistently on time. The information Transunion gave to XXXX XXXX  is false and misleading and I want it corrected immediately. The only change to my credit report has been for the better and I have no idea where they are coming up with this information. They have done this to me once previously and I have made a formal complaint with the CFPB in the past.
Product: Mortgage

I am a XXXX XXXX XXXXXXXX whose client was preapproved by Quicken Loans  for a conventional mortgage loan. I sent the accepted earnest money agreement and purchase contract to their loan originator at Quicken and yesterday he emailed me and asked for my license number. Even though it was already on the contract I emailed that back to him. This morning my client, the buyer, called me to say that she had been called by Quicken Loans and told that she and her husband could only have the loan if they dropped me as their realtor. The Buyer asked why that was and was told by the loan originator that they didn't know. Buyer and her husband called back to Quicken and talked to two different people who told them that Senior Leadership at Quicken had made that decision and they didn't know why. I got the number for the lady at Quicken and called to ask why they had told my client to dump me if they wanted the loan. She said she couldn't tell me but that it was a decision that came from the very top of Senior leadership at Quicken Loans. We talked for maybe 10 minutes and she would never tell me why they were XXXX   me. I have done deals where Quicken was the lender and have never had any trouble before like this. My client is trying to find another lender now and is very confused as am I. The lady at Quicken said I must know why they were doing this but I do not. I am a highly respected XXXX in my small town and have had no complaints against my license or character.
Product: Debt collection

For XXXX I have already paid this medical bill through another collection agency, when this agency first contacted me I told them it was paid, they proceed to say yes this was sent by mistake. I never heard from them until they had called my in-laws whom I NEVER listed as a contact! They are now claiming I yet again have to pay this bill from 2012!!!
Product: Debt collection

Hello, I was recently notified by XXXX regarding a change on my credit report. When I looked at the change it was a collection account with Amerassit Ar solution for XXXX XXXX XXXX  XXXX. I immediately filed an online dispute with XXXX and reached out to Amerassit on XX/XX/XXXX and then to XXXX XXXX XXXX on XX/XX/XXXX. Amerassit said to me it was because my XXXX XXXX XXXX had opened an account along with my ex wife in XXXX XXXXXXXX XXXX  around or about XX/XX/XXXX. Amerassit then told me they sent me a notification in XX/XX/XXXX to my XXXX XXXX XXXX XXXX, I never received any notices from Amerassit or XXXX XXXX XXXX When I told Amerassit that, they said that in order for them to remove this collection from my credit report I would have to report that my identity was stolen. I then reached out to my daughter and my ex-wife and both said they did not open an account with XXXX XXXX XXXX XXXX in my name. I also then reached out to XXXX XXXX XXXX XXXXXXXX and thats when I find out that they did have an account in my name. I told them I never open an account nor did I authorize any account to be opened in my name. The agent then said he understood my frustration and would elevate my issue to the billing department and they would contact me within 3-5 business days. I had one missed call from them on XX/XX/XXXX at XXXXXXXX XXXX, when I called back they said XXXX was handling my account and that he would be in touch with me. They also stated that they were going to make sure my account was canceled and that the credit bureaus, along with the collection agency Amerassit AR would be notified that this was indeed not my account, nor did I authorize any accounts to be opened in my name.
Product: Debt collection

I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.
Product: Vehicle loan or lease

Santander has been involved in a class action lawsuit based on consumer records from XXXX loan was started in XXXX and I show no accurate reports of my Loan being reported on my report from the time it was started. Loans that were open between this time should have qualified for a class action lawsuit on predatory lending. I have been hit with a large amount in interest on a loan that should have been paid off this year but instead I have been a victim of predatory lending making it impossible to pay off my car loan. 
Georgia Attorney General XXXX XXXX stated Santander " violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ''
Product: Payday loan, title loan, personal loan, or advance loan

this company still says I owe about {$14000.00} yet I have been paying on this loan for more than 6 months interest is way too high
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX. In XX/XX/2019 through the people of port and shopping for XXXX XXXX I visited the store called XXXX XXXX. Since I entered the store this people push me to buy something I can't afford. The sequence of events are the following : 1 ) I told them I didn't make a lot of money because I'm a XXXX that works in XXXX XXXX and that my annual income was XXXX a year ; but they kept asking me personal information, I told them that I didn't have any personal ID, then they told me if I have a picture of any ID and I told them I had my passport number, then I gave them the number. Then after a few minutes they told me to go to a room and handle me a phone, it was a lady that spoke XXXX, and then this lady also started asking me personal information, and I gave her my social security number. Then I returned where my husband was sitting, and after a few minutes they told me the ring for XXXX dollars is yours I could not believe it, I never filled out any credit card application with the terms and conditions, I never gave them any valid photo ID. They never gave me any paper or application to look, they never told me any interest rate. I never knew I was being qualified for a credit card to buy the ring. I never signed any document to apply for this credit card. Then they gave me a bottle of champagne and told me to return later, then they had a paper that told me to sing, but they kept the paper in their hands, they never gave the paper to me so I can read it and because I was tired and hungry and she was kept pointing me where to sing, I signed it without reading and resulted, i twas an invoice for the purchase of the ring ; but they either gave the invoice to me, they also kept it .Then inside of the ship at XXXX XXXX  XXXX who works for port and shopping for XXXX XXXX called me and he told me to go and pick up the ring, because I bought it. I couldn't believe it. I had something I can't afford to pay. Since the next day I put a claim on board against the store, but they said they could not do anything because any return has to be done in XXXX XXXX if the manager approve it. I had spoke to the Comenity Bank and put a claim, I had spoke to XXXX that works for XXXX XXXX and put a claim and to XXXX, XXXX and XXXX that work for XXXX XXXX and also put a claim. XXXX the customer service manager for XXXX XXXX said that he was going to see the store footage from that day ; but I am still waiting. I also put a claim in Comenity Banks, but they didn't care for XXXX  Credit Report because they knew since the beginning that probably I had the credit score ; but not the capacity to pay $ 500 monthly. This bank didn't has a location to visit everything has to be done through the internet or by mail and XXXX XXXX Headquarters located in XXXX XXXX didn't accept public visits. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I have tried to apply for an apartment and was denied to a false eviction on my XXXX   report. I was never evicted, the case was dismissed but on-site continues to report it as if i was evicted. I was actually bought out of the remainder 2 years of my lease from that building and they moved me in to their other building with 6 months free rent. So this is false info, i still rent from XXXX services to this day. I have contacted XXXX and XXXX XXXX XXXX XXXX , XXXX, they have no way to dispute any info on their site or via phone or email or mail at all.
Product: Mortgage

For many years, XXXX XXXX has communicate her desire to avoid a foreclosure. She has asked for a loan modification or short sale. the servicer has changed many times and they are not cooperative. She asked for a loan modification and she was ignored. The Dodd-Frank Act says as long as there is 90 days prior to the sale the bank, or mortgage company or servcier is to provide a mortgage assistance package. They filed to do so even though repeatedly asked for such. Now, even though there was more than 90 days before the sale, yet again, and they were communicated the borrower 's desire to avoid a foreclosure and deficiency judgement, etc. the servicer is not cooperative with a loan modification or short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Equifax Consumer Reporting Agency. Equifax has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. Equifax once blocked/deleted the rocket loan account # XXXX and as of XX/XX/2020 the account is currently displaying on my credit which violates section 605b. In addition Equifax was was notified via mail and internet with an identity theft report which included two fraudulent accounts Freedom Plus XXXX and XXXX XXXX   XXXX. This accounts currently are reporting as updated which is unacceptable after Equifax has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX ), Successor in Interest to XXXX XXXX XXXX , XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX as Trustee For XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX XXXX XXXX ), continues to allow others to proceed with foreclosure of my property in Docket No. : XXXX upon a note and mortgage ( " mortgage loan '' ) that became time-barred as of XX/XX/XXXX, by using the name of XXXX XXXX  as Trustee for XXXX XXXX XXXX 's name as the purported owner of the subject mortgage loan, despite XXXX XXXX as Trustee for XXXX XXXX XXXX 's communications dated XX/XX/XXXX and XX/XX/XXXX annexed hereto as Exhibit 1, declaring that : The servicer is the party to the Trust that has the authority and responsibility to make decisions regarding individual mortgage loans in the Trust. The Trustee has no authority or responsibility to review and or approve or disapprove these decisions and actions.. 

Furthermore, XXXX XXXX  as Trustee for XXXX XXXX XXXX further declared within its publication titled Role of the Corporate Trustee enclosed hereto as Exhibit 2, that : ( 1 ) As Trustee, XXXX XXXX   XXXX XXXX XXXX XXXX performs the following responsibilities. Does not initiate, nor has any discretion or authority in the foreclosure process .... ( Id. at Page 2 of 4 ) ( 2 ) All trustees for XXXX transactions, including XXXX XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX  transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process. ( Id. at Page 2 of 4 ) ( 3 ) As noted, the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any, information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. ( Id. at Page 2 of 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint for this earlier this week but accidentally said XXXX when it should have been against Equifax in XXXX. Meanwhile, today I received the attached letter from Equifax AGAIN refusing to remove the fraud alert from my account. Just to reiterate when I submitted earlier, I've apparently had a fraud alert on my report since AT LEAST 2011 because I was denied an apartment in VA because they couldn't get my Equifax report. TO DATE, this fraud alert is STILL on my report. According to their website, it's suppose to automatically expire in 7 years and it's been at least 8 years and it's still preventing me from getting credit BUT IS CAUSING MY CREDIT SCORE TO FALL WHEN A VENDOR ATTEMPTS TO GET THE REPORT. In XXXX, I sent the attached letter to Equifax registered mail along with a copy of my drivers license, passport and utility bill. Both the drivers license and utility bill have my current address which is also shown on my credit report. The attached printout is directly from the Equifax page and it states that I should send ONE document from each of the two sections. From section one, I sent TWO documents, both the DL and the PP. The DL clearly shows the current address. From section two, I sent a current utility bill. Instead of them removing the fraud alert, now they're claiming they need my social security number. As you can see on the letter that I sent to Equifax, I included my SS number and previous addresses for the past 5 years even though NONE of that was required. NO WHERE ON THEIR PAGE DOES IT SAY THEY NEED A COPY OF MY SS NUMBER/CARD. Again, I've been trying to years to get this alert removed from my report BUT EQUIFAX REFUSES TO REMOVE IT EVEN THOUGH I'VE MET ALL THE REQUIREMENTS THAT'S LISTED ON THEIR WEBSITE!!
Product: Credit card

Bank of America decreased my credit line for no reason last year. They have no justification as the payments were never late, they were on auto-pay. Bank of America NEVER notified me that they were taking this action. They refuse to work with me or accept responsibility for damaging my credit report by decreasing the line to where I'm utilize 99 % of the balance, whereas before I was at 33 %. I'm an XXXX and things were a little tight for me and my family these last XXXX years. Bank of America refuses to work with me and will not do anything for me as the consumer. They are extremely rude and insulting over the phone.
Product: Checking or savings account

Date XX/XX/2022 I Received from Wells Fargo Bank stating that owe them XXXX on close account that Wells Fargo chose to close that no longer want to business prior this letter nothing has been sent from this informing what is stated letter sent.