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

On XX/XX/XXXX a Fraud Alert was issued by Equifax. On XX/XX/XXXX XXXX XXXX was allowed to gain impermissible access to my Equifax Credit Profile and fraudulently manufacture falsified dates of default. In XX/XX/XXXX XXXX XXXX  was included in my XXXX  XXXX Bankruptcy. In XX/XX/XXXX Bankruptcy was discharged. XXXX XXXX  has failed to abide by Federal Bankruptcy Laws by way of fraudulent claims and misrepresentation after bankruptcy proceedings. Equifax has failed to protect consumer from inaccurate furnishings and allowed Creditors access despite ACTIVE FRAUD Alert. Below please find evidence that shows payments issued and posted to XXXX XXXX Attached please find evidence that shows XXXX XXXX  has fraudulently furnished. 


XXXX XXXX-Dispute Reinvestigation Requested Borrower does NOT OWE XXXX XXXX  NOR NOR WAS THE DEBT CHARGED-OFF XXXX XXXX is required to Furnish Accurately - Discharged through Bankruptcy XXXX  XXXX. -Paid, Closed/Never late., Delete Highest Balance and CLOSEDACCOUNT Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Loan Responsibility Individual Date opened : XX/XX/XXXX Date Closed : Consumer Disputes : XX/XX/XXXX Change To : XX/XX/XXXX {$1600.00} was paid on-time in full under renegotiated terms. On XX/XX/XXXX ; Renewed contract commenced ; On XX/XX/XXXX ; XXXX XXXX dispensed Final payment to XXXX XXXX and Account deemed Closed and Satisfactorily Settled XXXX XXXX XXXX XXXX posted final payment. Reliant Payment Tracking : # XXXX ( Verified Original Statement Attached and Copy Below ) XXXX XXXX XXXX XXXXXXXX Check {$50.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Check {$320.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX Status updated : XX/XX/XXXX - Consumer Disputes : Change to : XX/XX/XXXX Discharged and Included in XXXX  XXXX Bankruptcy Debt Discharged on XX/XX/XXXX Borrower does NOT OWE SETTLED DISCHARGED DEBT {$440.00} Account Status : Consumer Disputes : Charge-Collection Change To : Unknown Status updated- Paid in settlement. {$2.00}, XXXX written off : DELETE - The highest amount owed on an account to date. - Change To : Current Consumer Disputes Change To : Discharged through Bankruptcy XXXX  XXXX. Paid, Never late. CLOSED Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest Bal. : Consumer Disputes- Unknown Discharged and Included in XXXX  XXXX Bankruptcy Debt Discharged on XX/XX/XXXX Borrower does NOT OWE DISCHARGED DEBT Terms- Remarks : Consumer Disputes - Charged off as bad debt Purchased by another lender -DELETE Remarks of Deficit Reduction Change To : Discharged through Bankruptcy XXXX  XXXX. Paid, Closed/Never late. Or Unknown
Product: Debt collection

First credit Service is trying to contact me about charges I have no knowledge of. They are attempting to contact me through phishings numbers from that are not in state of New Jersey. The number they are trying to reach me with is XXXX XXXX which XXXX XXXX XXXX number. The original number they attempted to contact me from is first is XXXX ( XXXX ) XXXX a New Jersey number. Please ask them to stop contacting me. Thus I do not have anything on my credit report from all 3 major agency to suggest I have collection.
Product: Debt collection

DISCOVER BANK HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX
Product: Mortgage

SPS Servicing ( Select Portfolio Servicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ) on behalf of Delaware trust ( ) took over the servicing of my Mortgage as of XX/XX/2018 from XXXX XXXX XXXX. Mortgage payments of {$1400.00} ( with additional principal ) are set up as recurring removals ( automatic drafts ) from my checking account. On XX/XX/2018, SPS removed the full mortgage payment and additional principal from my checking account and applied it to the mortgage for my property. On XX/XX/2018 I received a statement that my mortgage was not paid and a late fee was charged and that I owed 2 months mortgage payments. I also noted that my FICO score dropped 18 points when I received this notifications. I call SPSP customer service ( XXXX ) and he informed me to ignore it. I wrote XXXX letters to SPS regarding this issues and I receive 3 letters stating that SPS was sorry that I was having difficulty paying my mortgage on time. On XX/XX/2018, SPS removed the next required mortgage payment from my checking account My mortgage was never late, not any paym, ments delinquents since dealing with this Servicer, yet SPS is sending letters implying that my mortgage is not being paid and letters which imply I am not able to pay my mortgage, questioning my credit worthiness. 
SPS Servicing is also a debt collection agency. I believe this company is trying to establish a false debt delinquency to initiate foreclosure on my property be it intentional or through a computer glitch similar to the XXXX XXXX glitch that lets to thousands losing their homes to foreclosure. 

I have written three letters to SPS Servicing asking why I received a late notice of non payment of mortgage but SPS has not provided me with an answer. 
I have concerns that this Mortgage servicer will also documenting false credit delinquency information about me and also making false reports to the credit report agencies.
Product: Credit card or prepaid card

Hello, my name Is XXXX XXXX XXXX was thinking about opening up a credit card account with Discover and apparently someone used my name and social to sign up for a secured card. I was referred to this website from a professional in credit repair solutions to avoid any more consequences of this fraudulent activity. 

It really is inconvenient for someone to try and build their credit and come to find that others were using their private information. I need help finding a solution to my problem.
Product: Consumer Loan

This car was a lease returned on time with approx. XXXX miles over the cap. Should have owed $ XXXX {$180.00}. The dealership said not to worry about it. 
Now GMAC is reporting a $ XXXXpast due balance on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

XXXX did not investigate claims on incorrect reporting on my credit report simply came back with verified almost immediately. Incorrect information still remains on my credit report that needs to be removed
Product: Mortgage

I have been an XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX for about XXXX yrs. I recently started working partime as a XXXX  so I could focus more on my business as a XXXX XXXX XXXX XXXX. NFCU denied my mortgage loan because they said my income has decreased over the past yrs despite that I have excellent credit, make over XXXX per year, and I can afford to pay for the loan. I really feel that Im being discriminated against. Why did they pre approve me for the loan and wait until the last day of underwriting to tell me this? They were aware of my income and job situation when I was pre approved!
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a credit report from XXXX  where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX   which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. 
XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I mailed off a letter to Equifax about unauthorized inquiries reporting on my credit report on XX/XX/year>. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681b2 explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with XXXX and XXXX. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to Equifax informing them of the inaccuracies. I didn't include XXXX or XXXX 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving Equifax a chance to redress the situation. The letter contained the same information in the first one and I still did not receive written request. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. Equifax is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I contact PayPal about a fake account that took XXXX dollars from my account in PayPal credit. They transferred it to their account. There was also a XXXX XXXX XXXX for {$300.00} to an account I did not authorize. They were all fake accounts under fake names.
Product: Student loan

On XXXX  I called to ask about to defer but the option I have is forbearance. They said I have to pay {$50.00} and provide a financial statement. If I loss income where does the {$50.00} come from? I would rather use that for groceries and necessities. 

Why jump through barriers just to get a forbearance? The previous company did not have to have these requirements. Navient is a rip off!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. Capital one credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by Capital one credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Product: Money transfer, virtual currency, or money service

on XX/XX/22 I received a text message from Chase of a potential fraud charge on my business debit card, so I checked my bank account and sure enough there was a charge from a XXXX XXXX XXXX, FL ( I live in XXXX  ) so I responded " No '' because it asked if it was me. I immediately got a call from a person that claimed to be with XXXX XXXX XXXX XXXX. I checked the number and it matched the number on the back of my card, so I felt like I was on the phone with Chase. They verified my account and as he was trying to cancel the fraud purchase he said that they tried to wire {$24000.00} out of my account and in order to stop it, we had to duplicate it. Once again, since the number matched the back of my card, I felt like I was doing what the bank was telling me to do. As soon I did what the person asked, I immediately felt something telling me it was fraud, so I hung up and immediately called XXXX to do a swift recall on the wire transfer. They told me it would take 3-5 business days to complete. In the meantime, they were able to take reimburse me for the fraudulent charge at XXXX XXXX XXXX I figured they would have an easy time to get the recall done as well. After XXXX business days, I had heard nothing in regards to my claim, so I went to XXXX and XXXX told me that they didn't have an update and to check back in XXXX business days. This happen 3 times before finally the manager at the local branch told me that my claim was denied. I then filed a complaint with CHase in order for them to reimburse me because it was a fraud charge, followed by a phone call from the number on the back of my card, so I feel as though they should be responsible for this kind of fraud. It wasn't like I was trying to transfer money to a XXXX prince, but literally doing what I felt like the bank was telling me to do. This claim also got denied. So, all my savings in my account got taken from me and XXXX just continues to turn a XXXX eye to the situation. I have no money to feed my kids, pay rent, pay bills, pay credit cards. My credit cards with XXXX are racking up late fees and continuing to tank my XXXX XXXX and they aren't even willing to give me grace on the late fees. I don't understand what XXXX XXXX is in having a bank keep hold of your money if they aren't going to do a better job of protecting it. I am completely devastated and not sure how I am supposed to rebuild what was wrongfully taken from me and XXXX seems to not care. I have been with XXXX for over 15 years and I have never needed them to protect me until now and they just don't care. I have filed a complaint with local news outlets, FBI cyber, etc. I have not received any communication other than " Sorry ''. Please help me get my money back or at least some kind of reimbursement for XXXX not doing a better job of protecting my money. I have never made a wire transfer, so to me, the bank should have froze the wire considering it was in the amount of my whole savings account. Banks are well aware of this type of fraud and for them to have better protection is ruining lives. They need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. XXXX  XXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I also notice an unauthorized inquiry that i didn't approve XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit card

I recently received a new Social Security Number and I am trying to provide it to Chase. However, I have called Chase and they refuse to allow me to update that information on my account without visiting a Chase branch. 

This method is highly inaccessible, given that Chase does not have branches everywhere and that transportation to a Chase branch can be challenging, especially given that I do not own a car and must attend school full-time. This is clearly a discriminatory process, and other options should exist to update my account Social Security Number.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my equifax credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had been having difficulties with XXXX XXXX and suddenly get a letter from Midland credit management saying I owe them almost 4 thousand dollars because of a XXXX credit card with a limit  of only XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by BARCLAYS BANK OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach. My information was obtained and someone tried to open XXXX XXXX account, bought a phone. Charged {$120.00} on my XXXX  account and my XXXX  account was compromised