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

Phh mortgage/Ocwen/Homeq had to hide charging us late fees somehow. So they put a fake account number on our credit report. 
We never paid late and never wrote a check. 

I will attach my credit report showing the fake account number and NEVER LATE. But do they charge fake late fees? Yes! Look at the credit report showing never late but thousands of dollars in late fees. They need to be behind bars. 

Also, I will attach my deed that shows you I do not have a day during the month that payments are due. I also do not have a NSF fee or policy. So they illegally charged me thousands and thousands of late fees and NSF fees when I have never written a check to them ever. I have asked for the proof of these NSF checks that we were charged thousands for and no one will respond. Because they are fake fake fake. We were charged fee after fee after fee illegally. It is on this website if you are going to enforce it then you must prove it. I have waited for 2 months for these so-called nsf checks and they do not respond. I am filing for identity theft against them for the credit report. Now they are retaliating against us and stating we have to pay them XXXX more a month. They don't say why just put on the front of the screen you owe us XXXX more a month starting XXXX. I am filing retaliation as well. Can someone on here please help us? They are scam artists. 


Look at this credit report with their fake account number. Our account number is XXXX. It has been that number for 15 years! Look at the XXXX. Such a scam! Do you see any late payments? Look at my statements and there are thousands of them. We can do this all day long but I am right and they are wrong. You do not steal from people. It is wrong people. We didn't deserve it. You made us lose faith in humanity the way you callously steal and think it's okay. Its not!!!! 

HOMEQ SERVICING XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$93000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : {$0.00} Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$91000.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1700.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 10 Creditor Classification : Activity Description : n/a Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Comments : XXXXMonth Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( Transunion is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to TU Open date XX/XX/XXXX and According to XXXX  Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on TU, XXXX, and XXXX  ) TU has an opened date of XX/XX/XXXX and XXXX  and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), 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 ( 2 Times ) I was never late on my XXXX XXXX XXXX XXXX in XXXX or XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed I have XXXX inquiries : These items are not factual and need to be removed from my report! I am a victim of identity theft and these do not belong to me. 

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

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. 

In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. 

I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay me.
Product: Money transfer, virtual currency, or money service

Funds were dispersed from my account to wrong receiver and zelle failed to investigate my or acknowledge this error. Despite using the platform so many times, the company neglected me as a customer stating that the transfer was untraceable and undetectable. That is very concerning to me being that it is linked to my bank and Zelle not my bank seems to be able to give me these information or retrieve my lost funds. I am very disappointed and dissatisfied with the customer support and neglect to these concerns of my privacy and rights as a banker.
Product: Credit card

On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.
Product: Mortgage

I closed on a home in XXXX of 2015 with a XXXX loan. The contractor was negligent and the original lender WesStar Mortgage ; now with XXXX. XXXX is refusing to honor the original bid.
Product: Debt collection

I have tried several times to resolve this issue. I have disputed with the credit bureaus and sent multiple debt validation letters to Cavalry and I have yet to receive any validation of this debt. I have filed a dispute with the XXXX and this company mainly keeps stating the same information but has yet to provide me with anything. 

I don't know any other way to resolve this. I have attached the only thing I have EVER gotten from Calvary Portfolio. I received this in the mail the end of XXXX and onXX/XX/XXXXrequested debt validation -- - anything to prove the debt was mine. I never received anything even after 30 days. On XX/XX/XXXX I sent another request. During this time I also disputed with the credit reporting agencies. Again I never received anything additional in the mail other that what I have attached and that was my first communication from this company. Then on XXXX I filed a compliant against Calvary Portfolio Services with the XXXX and still never received any validation or any additional information from Calvary Portfolio Services. Since then Calvary has responded on numerous occasions that they have validated this debt. How was it validated? I have yet to receive anything. They state that it was mailed to the correct address as it was not returned.. again I have only received the one notice from Calvary Portfolio Services and that was on XX/XX/XXXX and there is a copy attached. The mailing address that I mailed the validation request to was the same one on the settlement offer that I have attached. That address is XXXX XXXX XXXX XXXX, NY XXXX. I have no reason to lie and state that I have not received any additional notifications or validations. According the the FCRA I have the right to receive validation of this debt within 30 days of request. Since Calvary stated that they acquired or purchased this debt in XX/XX/XXXXand I received a settlement notice XX/XX/XXXX and I had requested validation of debt XX/XX/XXXX due to it reporting on my credit report then I believe that I was within the 30 days of initial notification even though it was just a settlement offer. I have lived at this address for years and there is no reason it would have gotten mistakenly placed somewhere else. I have kept good records of my steps that I have taken. I also believe that the last 3 responses that were mainly just repeating themselves or saying this has already been validated is not appropriate at this time and with the circumstances the way that they are. I have seen no proof that you have validated this account or even made an attempt to contact me or to rectify this situation.

I am attaching the only thing that I as of today have received from Cavalry and I have also attached Cavalry 's reply to my XXXX  complaint which still does not show that information has been provided to me to verify and/or validate that this is my debt. Again, I have only received this one letter which is a settlement agreement from Cavalry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion/XXXX to remove the XXXX  attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy proceedings currently underway in my name, which I believe have been conducted in violation of the Fair Credit Reporting Act ( FCRA ) Section 15 US 1681E. I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these matters so they can help me get to the bottom of this inaccurate reporting on my consumer profile.

1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} 15 usc 1681b permissible purpose. i never gave written permission to report this account on my credit report i never filed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


- 15 US 1681E - Compliance Procedures I am deeply concerned about the accuracy and legitimacy of the bankruptcy proceedings in my case. It has come to my attention that the procedures followed may not be in compliance with the aforementioned federal statutes. As a result, I insist on a thorough investigation into the matter to rectify any potential errors or misconduct.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

Obviously this BANKRUPTCY does not conform to the FCRA REGULATIONS by reporting a court name that reflects different variations. Please investigate and delete from my report. 

I request the following actions be taken : 1. Verification of Compliance : I demand a comprehensive review of the bankruptcy proceedings to ensure compliance with 15 US 1681E. This includes a meticulous examination of all documents, notices, and communications related to my bankruptcy case.

2. Expedited Investigation : Given the urgency and potential impact on my financial standing, I kindly request an expedited investigation into this matter. Swift resolution is crucial to preventing any further damage to my credit and financial well-being. 

In addition to disputing the bankruptcy proceedings, I am concurrently filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the involved parties for potential violations of consumer protection laws. 

I am confident that a thorough investigation will reveal any discrepancies and rectify the situation promptly.
Product: Credit card or prepaid card

I did not realize I missed the pay off amount of my Bill of {$520.00} with XXXX First Finacial on XXXX and I Accrued an Interest Charge of {$720.00} added to my Account. 
I offered to pay off the remaining balance of the account owed today of {$1300.00} on XX/XX/ if they would remove or lower the accrued interest of {$720.00} and was told they would not. 

So on my latest Billing Statement if I fail to pay of the next Balance of {$800.00} by XX/XX/2023 I will Accured Interest of additional {$620.00} more to my Bill. 
This was all done from XXXX work from XXXX XXXX. 

This is just crazy! Can you help me? 
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone XXXX email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018. After further research regarding my XXXX  credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my Experian report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Product: Checking or savings account

To Whom It May Concern, I have been harassed by U.S. Bank or rather the U.S. Bank National Association since XXXX. After the market crash in XXXX, U.S. Bank became the Indenture Trustee of a student loan asset-backed security fund administered by the former XXXX XXXX XXXX. I obtained a prospectus from XXXX XXXX which confirms that U.S. Bank was the Indenture Trustee. Several years later, I was sued by this fund despite the fact that there was no letter of true sale or proof of true sale vis -- vis GAAP protocol. To use more candid wording, they sued me without proof that I even owed them any money. I have a deposition wherein this fraud is admitted. After years of emotional distress due to this unlawful lawsuit, I was forced to get 2 years of XXXX XXXX for XXXX and XXXX XXXX. In order to pay for this XXXX, I had to cash out an IRA that was managed by none other than U.S. Bank, the very organization that was suing me as Indenture Trustee. U.S. Bank delayed my check so long from my liquidated IRA that I had to delay my XXXX, remaining in XXXX all the while. Now, as a caregiver for my XXXX veteran grandfather over on XXXX XXXX, the only bank that is available is none other than U.S. Bank once again. In the last month, my U.S. Bank account has been hacked and I was urged to apply for a secured credit card for which I was promptly rejected. Prior to applying for this credit card, I was urged to do a money order for {$300.00}. I have yet to receive the {$300.00} back despite being rejected for the secured credit card. I am seeking full restitution for all the harm U.S. Bank has caused me over the past decade. Over the past decade, this bank has defrauded me via a lawsuit, delayed receipt of my IRA liquidation check so that I had to remain in XXXX, and now allowed me to get hacked and solicited me on a credit card for which I was ineligible. I plead for you to regulate this bank in order to stop its functionaries from destroying people 's lives as it has destroyed mine. 

Thank you for your assistance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. They have caused me to have emotional stress due to their continued lack of response.
Product: Debt collection

I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt. 
I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt. 
Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing. 
I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive. 
I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system. 
my contact number is XXXX should you need any further verification.
Product: Checking or savings account

An account for Citibank was opened through the website for a checking account. Terms and conditions have been met. Citibank has not refused to honor their website promotion and claims to have no knowledge of promotion code even though their promotion code was pre-filled on their website. Citibank has not declined to honor their promotion. I attempted to resolve issue with bank but they refused to honor their promotion. Promotion was for {$500.00} and they are only willing to pay {$300.00}.
Product: Credit card or prepaid card

Because of Covid-19 this seems to be a prevailing problem, you look up and your credit card is closed for no credible reason, effecting your credit score. The reasons given are laughable.