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

Montgomery Wards is reporting negative information on my credit report that is not mine. The social security number is not mine and they continue to report negative information on my credit report ( XXXX ) every month for the last year and continues to do so even with letters and filing a complaint. I would like this removed since this is not my account and never has been. Montgomery Wards even told me that it was not my account but still continues to report it on my credit. Also, the account belongs to XXXX XXXX XXXX and I am XXXX XXXX XXXX, last name spelled different.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit reports are showing that i have or had a mortgage account with XXXX  XXXX with a balance of about {$700000.00} and it was liquidated or deed in lieu when no such debt existed with XXXX XXXX and in any event was discharged in XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


These accounts shouldnt be on my report and are reporting incorrectly i have sent validation letters to credit burear who has refused to reach back out so now im submitting complaint here ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XX/XX/XXXX -- {$62000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$54000.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XX/XX/XXXX -- {$6200.00}XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XX/XX/XXXX -- {$510.00} UNAUTHORIZED INQUIRIES :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Accounts that are not mines ; it is creating a Finacial burden on my life.
Product: Debt collection

I have fraudulent activity that took place with my credit account and I tried to settle it from the bank account telling them someone got into my account, I gave them the police report and fraud report and nothing has happened and now XXXX XXXX has this account like I abused the account when it was fraudulent activity there was not done by me
Product: Debt collection

IMC Credit Services contacted my employer, and communicated to them that they were a debt collector trying to collect a debt from me. In addition to verbally telling my employer about this, their caller ID shows " COLLECTION AGENCY '' as the registered name for the phone number.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX ( COLLECTIONS ), XXXX XXXX ( COLLECTIONS ) In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX - CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX and Equifax are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Product: Credit reporting or other personal consumer reports

I have recently been in the process of buying and selling a house. Because of this my credit was pulled and it came to my attention that there was duplication errors for my student loans. My federal student loan balance is just over {$100000.00} and with it being duplicated on my report it severely affects my debt to income ratio and thus my ability to buy a home. 

From reading articles online it seems this is a problem that has affected thousands of other federal student loan borrowers. My federal student loan servicer is XXXX, they recently changed their platform and erroneously reported some students continuing credit accounts as new causing them to be duplicated on the credit report. I called XXXX to ask them to help me resolve this and they did not give me much help over the phone other than saying they were aware of the issue and were working on resolving it. I was not satisfied with this given they caused the issue in the first place. 
I also filed disputes with each credit bureau the day I found out ( XX/XX/XXXX ). My XXXX and XXXX reports are now corrected as of today XX/XX/XXXX. However my Equifax report is not. It seems Equifax did not due their due diligence to fully investigate my dispute because they responded to my dispute request having not made any corrections to my credit report saying we verified that this item is correctly reportedwhen they clearly were duplicated. So now Equifax is delaying the resolution of my dispute and correction of my overall credit report because I have to dispute it again. I have resubmitted my dispute today with much more specific information specifically pointing out which reported student loans are duplicates of which. This delay is extremely problematic for me currently trying to buy a home.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/year> I received a notification for a possible fraudulent charge from Chase regarding a transaction of XXXX at XXXX store number # XXXX. Upon receiving this notification from Chase I immediately sent the text No this wasnt me and Chase cancelled my card immediately but still allowed the transaction to go through. I then received another charge from a XXXX store number # XXXX in the amount of XXXX. XXXX cents less which is quite strange especially in that short amount of time almost the exact same amount in which chase allowed as well after I just put no it wasnt me. It was impossible I made those transactions especially in that time frame as I was in XXXX at the time at a restaurant eating which my bank statements should show. I would just like a refund for these amounts its just very unfortunate chase did not investigate thoroughly to determine clearly that they were fraudulent especially when looking at the details. Please do follow up with me anytime.
Product: Debt collection

I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me? 









Personal And Confidential Communication from FAMS  for XXXX XXXX XXXX Inbox FAMS XXXX via bounce.rs-enotice.com Attachments XX/XX/2020, XXXX XXXX  ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully. 
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMS Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.

2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.

By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for FAMS to communicate with you via email. 

If you do not wish to be contacted via email, follow the Unsubscribe Instructions below.

FAMS is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us. 

Sincerely, Financial Asset Management Systems , Inc .
Product: Debt collection

I left an apartment with proper notice due to a domestic issue with my XXXX XXXX. 
The apartment complex allowed me to leave in XX/XX/XXXX. My XXXX XXXX stayed until XX/XX/XXXX. 
The collection agency refuses to follow up with their client. They request emails to a no reply email so they can say you didn't respond and place on your credit. Which XXXX, genesis collections did. 
They have since hung up, placed my nee husband on hold for well over XXXX minutes. They have told us we're going to let them finish talking and yet don't ever let us finish talking without interruption. 
They have hundreds of complaints on the BBB for their tactics. 
They continue to ignore the request for them to read the lease that is invalid from the beginning or reach out to the client to confirm I was removed from the lease. The other 2 people on the lease are responsible. Yet, they're not being harassed and bullied like the company is doing to me.

Getting out of a domestic violence situation is not a joke, clearly this company feels like bullying me will get the debt paid but I will seek legal damages if this continues. 
This needs to be removed from my credit immediately. Instead of attempting to have us jump through hoops, they need to speak to the property manager. All that takes is a call. 
Their employees XXXX and XXXX wanted to argue or get payment, they could care less about doing the right thing. Please help
Product: Debt collection

I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. 
Collection Agency COMMONWEALTH FINANCIAL SYSTEMS Original Creditor Name XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX Contact COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
Product: Debt collection

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called Unifin. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Product: Debt collection

Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ).  On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They  have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I requested my credit report from Experian, XXXX and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last XXXX of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. Experian charges {$24.00} for a credit file lock and that gets expensive also.
Product: Checking or savings account

I've had a formerly ING Direct, now Capital One 360 Savings account since 2003. I've never earned more than a 1 % APY despite the company touting this product as a high-interest savings account. Capital One never contacted me or informed me that they had a better savings product than the one I've been using over the past several years. I am absolutely gobsmacked that the company withheld this information and cheated me out of so much money over the past two-decades.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA LAWS 15 U.S CODE & 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX