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

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Product: Checking or savings account

XXXX  XXXX  XX/XX/XXXX my phone was stolen around XXXX. The perpetrator had access to my digital wallet on my phone including my Chase Debit made several fraudulent charges that include : XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX XXXX XXXXXXXX XXXX Payment to XXXX XXXX XXXX {$2000.00} I called the Chase to let them know my phone was stolen and they made me aware of XXXX XXXX  charges and they flagged it. I call again the same day XX/XX/XXXX to see if there are any other attempts they notify me that XXXX payment was blocked. XX/XX/XXXX I also go into Chase bank in the XXXX location to notify them. Three separations occasions where Chase has been made aware my phone device was stolen and they advised they will lock my account until I call to unlock and I will be reimbursed for everything. 

XX/XX/XXXX I find out that my XXXX payment was never reimbursed. The manager at the fraud said that it was an " authorized '' payment on my device therefore it went through. The manager XXXX said they have no record on file that my phone was stolen despite my calling XXXX separate times and also going into the Chase bank in person. I provided a screenshot from my XXXX XXXX XXXX XXXX that my phone was reported lost the same day of XX/XX/XXXX and the XXXX payment is under review again. I have not been able to pay my rent because of these fraudulent charges. 

XX/XX/XXXX Chase sends me a new letter that my XXXX XXXX payments that were reimbursed will not be deducted from my account because they were " authorized '' charges on a known device that I reported stolen. A police report was also made of the stolen I-phone and fraudulent charges at the XXXXXXXX XXXX prescient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA,XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already disputed this account with XXXX XXXX XXXX XXXX and again it shows on my report. I sincerely request and want this eradicated from my report as I have no knowledge of this account and Im a hardworking diligent student. My car got stolen with all my documents inside and I have been a victim of identity theft. Kindly remove this from my report immediately as it hurts my future graduate school admissions and other things while renting out an apartment. kindly remove this ERC collection account away immediately as it has been previously sorted but I dont know why it shows again on XXXX  and XXXX
Product: Mortgage

I was one of the original cases of fraud with Wells Fargo Home Mortgage in XXXX. We were over our heads due to my ex-husband being " Furloughed '' multiple times per month. We had our home on the market and had a renter who was paying us and we were paying the mortgage company and had never missed a payment. We were moving to XXXX  from XXXX  XXXX  for my husbands ' new job. I called during our move because my final paycheck ended up going into someone else account, due to an error at the University I worked for. I called to tell Well Fargo that the payment would be a week or two late, because of that. I was asked if I wanted to go into forbearance. I said no. From that month on, when I made a payment, it came back to us and I was unable to get an answer as to what was going on. Shortly after our renter started getting foreclosure notices on the door. Wells Fargo even took out an insurance policy of their own on the home, telling me I didn't have one, and billed us for it. It was nearly 4x what my policy was in cost. 
Our renter, having decided the foreclosure notices were accurate, despite me telling him it was not true, split, leaving the house a mess and not paying for several months rent. 
We finally got an offer on the home in less than 6 months. My agent and myself kept sending documents for a short sale approval. For another 6 months, Wells Fargo said they didn't have the documents, they couldn't read them, and more excuses. I even paid {$40.00} to OVERNIGHT and SIGNATURE REQUIRED delivery. Those documents I was told were unreadable when uploaded, same as all the others. I even used Well Fargo bank in XXXX XXXX to fax the papers to the correct department, and we were told they were still unreadable. 

Needless to say, after the buyer backed out ... don't blame them. We filed bankruptcy to get out from underneath the nearly year and a half of XXXX I went through on the phone hours per day with countless individuals. I may multiple complaints to the Office of the Comptroller and every agency including XXXX  and more. We got a {$4.00} check years later and otherwise have never heard anything else. A friend today sent me an article about Well Fargo finally paying out up to {$24000.00} for mortgage fraud and that they were supposed to contact us. I have YET to hear from anyone and if there is anything I can do to get even just a fraction back, I would be thrilled! I have been unable to get financially stable since this event and it led to my divorce and in part to my XXXX XXXX at age XXXX. 

I still have most of the documents from this and can prove everything. Please let me know what I can do now.
Product: Vehicle loan or lease

Southeast Toyota Financed repossessed a vehicle Id been paying on for about 4 years. They gave me an opportunity for redemption. Per their request I provided documentation for that purpose but have yet to receive my car back. The documents were sent via certified mail, signed for and per law theyre required to hand over possession of my vehicle and belongings. They have not done so.
Product: Credit reporting or other personal consumer reports

The company I'm complaining about is Experian. My credit score has been XXXX since last year. My credit core with XXXX and XXXX had been up and down. Right now my credit score with them is between 789 and 801, give or take a few. 
I didn't use their Experian Bosst and I believe they are keeping my credit score the same. My husband tried to get a XXXX XXXX refinance, and he couldn't because of Experian. He only has two creditors and they are paid on time. I believe it may be a race issue, but I need this to be investigated ASAP. Thank you.
Product: Prepaid card

XX/XX/year> We contacted Vanilla Gift to open a case because the {$500.00} Vanilla pre-paid visa gift card we purchased was not working. 

XX/XX/year> They opened a case. We called back and sent our documents to an email address they gave us, and they told us to wait a few days. 

XX/XX/year> We called them again, and they told us they did not receive our email. A second email address was provided so we sent it again to this new address. This time there was an automated email saying mail received. 

XX/XX/year> We called back to check if they got anything, but they still said no. We complained about their email not working, and they promised to escalate our case. 

XX/XX/year> We called back and found out our case was not escalated but was instead closed due to 'inactivity '. They gave us their fax number, but we found out the fax was offline even during business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. I am demanding that comenity bank remove this debt immediately or I will take further actions against them and their business practices.
Product: Debt collection

Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : Domestic Limited Liability Company Business Status : Admin. Dissolved Business Purpose : NONE Principal Office Address : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX Date of Formation / Registration Date : XX/XX/XXXX State of Formation : Georgia Last Annual Registration Year : NONE Hi There, Im filing complaint toward company listed above, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX # XXXX. 
As they were sending a false statement demanding payment on XX/XX/XXXX, which I request charge details thru email on XX/XX/XXXX, never heard back from them but keep calling me for payment. 
Now they have sent me to collection for money that i never owed. Please help. before that they were threatening me for legal action that is illegal. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One Auto Finance in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, Capital One reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called Capitol One a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.
Product: Credit card or prepaid card

I applied Chase Saphhire preferred and was denied because Chase 's system has a glitch in which it thinks I already have that card when I have already closed the card more than 48 months ago. 

This is a system issue I have with Chase.
Product: Credit reporting or other personal consumer reports

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.

The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses
Product: Checking or savings account

I applied for loan for through credit karma and got a call from a representative claiming that the loan amount I applied for was accepted. And that his name was from XXXX XXXX. And I was approve for the amount of installment loan. And can have it available in the next business day. This sound right because I have used other loan companies and this is the steps that were used. He verified my bank account and rounting number. And then I got a email with a update account notices I tried to discuss with them that I didnt and email with the repayment plain. And he placed me on hold. I started to receive notifications of a claim being on my account. For incorrect amount of A little after that I received a XXXX confirmation transfer for a person I dont know contacted Wells Fargo and explain the problem. That claim was made by me and was not need that was a pass rent payment. And the XXXX transfer is another fraud charge I had to have my account frozen and new open account open but wells Fargo still apply the same transfer to the new account. I everytime I block this company they will make a new number and call and text again.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a Citi XXXX Card online. At the end of the process I selected " Agree '' and " Submit '' thinking I would be able to review it before it was finalized. Instead, it was immediately approved for {$5500.00}. I DO NOT WANT THIS CARD. I have tried repeatedly to contact Citi, 12 phone calls in all. I get transferred and transferred and transferred and they end up giving me the phone number I called in the first place. Today, after my last attempt to cancel the application and/or card, after getting transferred 3 times, they asked for my phone number. I've had the same land line number for the past 4 yrs and they said it wasn't a valid number. I do not have a cell phone, only this landline, XXXX. So once again I was transferred to someone overseas who told me he would have to call me back to verify my information. I said fine. He said I'll call you right back. That was over an hour ago. 

I am tired of wasting my time trying to get a response from these people. I DO NOT WANT A CITI CREDIT CARD. I want the application to be voided or withdrawn or whatever process they have to CANCEL IT.
Product: Credit reporting

I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Citibank Mortgage Application number XXXX. 
The mortgage team delayed the process, especially the processor and the underwriter, and they started checking documents sent long time ago just one day before closing. I missed my closing date that was today, and still dont give any solution
Product: Credit card or prepaid card

I was a account holder at wells Fargo for many year, before I decided to apply for a credit card. I was not approved for a regular credit card, but I was approved for a {$400.00} secured credit card on XX/XX/XXXX. Around XX/XX/XXXX they allowed a car rental place to over charge my secured credit card. And closed my card immediately. When I called them they said you went over your limit. So I asked them how? They told my the car rental over charge me and there's nothing I can do to reopen the account. And when I tried to pay they deny my payment. And once I did pay the account in full. I never received my {$400.00} back plus I payed the total amount. They made me pay a {$1000.00} plus they took my {$400.00} from the secured credit card. Because they did not applied it the bill amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX Buck which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!
Product: Mortgage

On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.
Product: Debt collection

XX/XX/30 @ XXXX - spoke with someone for XXXX minutes informing them I lost my job and my last check should be deposited Monday XXXX and I would make my payment then. 

XXXX @ XXXX - spoke with someone else and told them I spoke with someone and already told them I would make a payment on the XXXX. 

XXXX @ XXXX- they called again and I ignored the call. 

XXXX @ XXXX- they called again and I spent XXXX minutes on the phone with someone again and she filled a complaint per my request. I told her she was harassing me. 

XXXX @ XXXX- they called again and I spent XXXX minutes on the phone with someone who verified he can see my complaint, I asked for a supervisor. He told me that one was not available.