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

I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I traded in my XXXX XXXX XXXX on XX/XX/XXXX, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/XXXX, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/XXXX. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed for XX/XX/XXXX, at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/XXXX XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC  I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX - Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1800.00} XX/XX/XXXX 0 % {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXX 0 % {$2100.00} {$2000.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX  - XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$440.00} XX/XX/XXXX 0 % {$440.00} {$440.00} 1 Month XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that you remove the fraudulent information I found on my Credit File. My credit report contains a significant number of unauthorized inquiries, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following unauthorized inquiries off my Credit File : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2021. If you believe that the disputed inquiries belong under my name, please send me copies of proof of verification, ownership, or the results of your investigation. If you are unable to send me any of these documents, please remove the disputed items off my Credit File as soon as possible.
Product: Debt collection

Multiple complaints in connection with servicing and debt collection on mortgage account.

1. Denial for a work out option which entails staying in my home. Correspondence read I can request an appeal to my assistance review but fails to give specific reason on why modification was denied. It only reads ... according to the mortgage service agreement ... and there is nothing in the mortgage service agreement which set forth a reason for not modifying the loan.

2. Every single call to mortgage servicer was met with your account may be refer to an attorney for legal action. This threat has been recited to me ever since XXXX of XXXX when federal funds expired for assistance on the account. 
3. At the time home assistance funds ran out from the federal government in XXXX I asked for a deferral or a forbearance and I was told I was ineligible in spite of the fact the account was current ; except for negative escrow balance. Yet, The reason why they are telling me I am ineligible for a deferral or forbearance now is because the account is too far behind. It seems that they are coming up with reasons just to say no. 
4. When the federal government was assisting people during COVID the underwriter of this mortgage changed from a government backed federal loan to a seasoned trust which was specifically designed to subvert federal regulations for assisting homeowners who were in jeopardy of losing their homes.

5. This mortgage servicer specifically violated an order and stipulation from the Federal Trade Commission and where they were to list every single dollar owed on the account on statements. They failed to do this when I was getting HAF assistance and as a result {$4000.00} which would have been paid through federal assistance was not paid. This is a direct result of SPS not following federal guidelines. When confronted by this detail SPS claims that it is my responsibility that HAF were not received for the escrow shortage. They it is because I supplied the statement to HAF However, SPS provided the statements to me which lacked all the money due on the account as provided in the stipulation and agreement of XXXX with the federal government. 
XXXX. This servicer debt collector also calls quite often XXXX and XXXX times per day and has even called at XXXXXXXX XXXX. 
XXXX. Part of the reason I am in this predicament is because I have become XXXX since losing my job just prior to COVID. I am awaiting approval of XXXX benefits and have been in constant contact with the lender servicer to let them know the updates. 

This account would be in a better position if SPS had abided by the Stipulation entered into with the Federal Trade Commission. 

They have provided some information which was requested but not all. They refuse to take responsibility for monies not being paid to them to bring the account current as a direct result of them violating the Stipulation and Order entered into with the FTC in XXXX.
Product: Payday loan, title loan, or personal loan

They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal
Product: Checking or savings account

I am a XXXX XXXX  and Webster Bank is giving me one problem after another. I went online today and saw that 2 new accounts were opened without my authorization. I called customer service and XXXX helped close the accounts but they were " investment '' accounts that were opened without my knowledge and authorization. 
XXXX XXXX # # XXXX {$0.00} {$0.00} XXXX XXXX # # XXXX {$0.00} {$0.00} I told XXXX that I hope they won't try to charge me fees for XXXX balances. He said they should not. 
Want to make CFPB aware of this because of what happened with XXXX XXXX XXXXXXXX and XXXX XXXX opening unathorized accounts.
Product: Vehicle loan or lease

I took out a 39 month lease with Kia Motors Finance ( KMF ). KMF reported to the credit bureaus that the last payment I made was more than 30 days late. 

I paid off my lease and returned car to dealership where they do an inspection. A month or two later they send me the bill for any excess wear and tear and the turn in fee.

I then proceed to remind KMF that they need to apply my lease insurance and they tell me to wait for new bill. New bill comes and it is due XX/XX/XXXX - I pay the XXXX. Now I found out they reported my XXXX payment as late ... if that is the reason I am even late at all. 

KMF refuses to speak to any customer regarding credit reports.The only way to handle it is to write to KMFs mysterious internal Care department. This clandestine department can not speak to anyone on the phone - customer or KMF employee according to policy.

KMF expects the customer to send a letter via mail and hope after 30 days that the department can properly sort it out and wait for a letter back. If the customer believes their response is not factually accurate they will have to send another letter back. 

KMF has a created a circular highway of purgatory, it is just not right. Especially to a XXXX year old hard working honest young man who took his first car loan out at the age of XXXX thinking he was in good hands, who made every payment on time via auto-pay for 38 months straight, and who just wants a simple straight answer.
Product: Credit card

Synchrony bank has been shutting down all my accounts I have with them and reducing my credit limits even with my good payment history and being a long time customer with them. I did reach out to them on XX/XX/23 and they stated I was a high risk and they keep pulling my credit which results in inquries being placed on my credit report. I have some of my accounts with them over XXXX and I always pay on time or before time, so I need to know why are they harassing me by closing down my accounts and reducing my limits
Product: Checking or savings account

I went to my local Chase Bank branch and as always was directed toward their Indoor ATM/Teller machine. I first had to pull out cash from my IRS stimulus debit cards so I could transfer the funds to my checking account. The machine had trouble with this and only allowed me to removed a portion of my available funds that equated to roughly {$1600.00}. I then needed to deposit my businesses checks to my business checking account in addition to the cash I had just withdrew along with a few other personal checks. In total, the deposit was roughly {$25000.00} give it take a few XXXX dollars. After inserting the cash and then the checks, the machine began to process the items. Then out of no where it spit my money back out to me. I was shocked and very confused. So I took my cash out of the tray for fear that it would get stuck. Then the screen started to show a load symbol, then made a bunch of noises like it was processing my checks, and suddenly and error message popped up with instructions to call a 1-800 number. I grabbed a teller and they were very perplexed by this instance and instructed me to call. I called and spent nearly 30+ minutes on the phone with a customer service rep who had no idea what to do. He said they would send a team of researchers to investigate the situation in 10 days, and if there was no remedy, they would loan me the {$25000.00} until it was settled. The branch staff had said that this has happened before but never with this much money. So they just told me to deal with the customer service people over the phone. Ultimately, no action has been taken by chase or the branch staff to fix the machine and they then continued to allow other customers to use the machine and even directed them to use the exact ATM that had just taken all of my money without depositing it. I have people and bills to pay and checks that have been written, yet the branch staff nor the customer service reps seemed like they had any care to fix the situation. Please help me track down my money.
Product: Debt collection

I, XXXX XXXX has been fighting this frivolous supposedly debt for XXXX over 3 years now. First, I was going back and forth with Diversified ConsultantsXXXX but they could not verify the erroneous information that was being reported to my credit reports, so XXXX, XXXX and XXXX XXXX removed the debt from all three reports. Diversified Consultants were harassing me sending computer printed statements, but nothing ever indicating that I was legally responsible for the debt. Next, a few months later, Diversified Adjustments Service INC inserted the debt back on my reports illegally, with no notice or anything indicating on physically verifying validation of the debt. I called and called both collection firms and I was getting conflicting stories about the erroneous debt, which does not belong to me legally. So I reached back out, contacted the credit agencies first class mail, along with Diversified Adjustments. I sent first class with a return receipt which showed that " XXXX XXXX '' with Diversified signed for the letter on XX/XX/2021 ( evidence at hand ). I still didn't receive any legal documents or relevant information expressing debt is mine, there is NO LAWFUL STANDING 15 U.S Code 1692i ( b ). So XXXX and XXXX XXXX went on to delete this debt again, but XXXX has not and still showing negatively on my credit reports, although there still has not been any proof presented. Granted, this issue has been a nightmare and I am turning to CFPB to help me with this dilemma.
Product: Mortgage

initiated file with CFPB in XX/XX/2018. # XXXX XXXX. Received notification via email that company had responded. They have not responded to me. Why does CFPB indicate company responded and case is closed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the account listed below 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 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681- XXXX INVESTIGATIVE CONSUMER REPORT States a consumer report in which information of consumers character, reputation, personal characteristics, and mode of living is obtained through personal interviews with neighbors friends or associates of the consumer who have knowledge concerning such items of information and is kept on FILE The accounts that I have listed below that I see on my consumer report are violating my rights and are doing so without my written instructions of consent and the inquiries that are also listed below that I have no knowledge of are also reporting on my consumer report without my written consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.

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.
Product: Checking or savings account

On XX/XX/XXXX I noticed a charge on my debit card for a company called XXXX   in the amount of {$180.00}. I decided to contact the company and explain that I did NOT make NOR authorize a purchase from them and that I wanted my money back. 

I was told there was nothing to be done as it was handled by XXXX and that I needed to contact them. I contacted XXXX on XX/XX/XXXX and started a dispute. In doing that dispute the company sends XXXX a shipping update but says the item is intangible. How was it shipped then? What is it? I heard nothing else from XXXX. 

I decided to dispute through my bank since I saw the charge on my bank statement. My bank disputed the charge and on XX/XX/XXXX I was told that documents provided by the merchant shows the charge as valid and my dispute had been denied. I asked for the documents used and it was one piece of paper ( attached ) with some random numbers on it. I will be going into the bank and speaking with someone else regarding this matter as well. I have even offered to file a police report. 

I emailed the company AGAIN about this matter after being told to dispute through paypal etc. and that email I sent on XX/XX/XXXX was ignored. These people are crooks and have helped someone steal money from my account and I'm still having to deal with this after all this time. My bank account is NOT in good standing due to this fraudulent charge as it over drafted me and fees were assessed. They will not help in any way and it's ridiculous that I have to do all of this for a charge I didn't make nor authorize.
Product: Debt collection

The company IS Portfolio recovery and the amount listed on my credit report is XXXX contacted the company and asked for validation of the debt. I sent them an several certified letter to signed upon receipt to present me in writing validation of the debt. I never received any validation of the debt. I explained do not recall the particular bill. I called again on XX/XX/1923 and the representative stated that it ( debt ) is was in there legal department and I had to speak their litigation department.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Accounts, has violated my rights.

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

15U.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: Debt collection

I am disputing charges with this account. I was told they sent me a letter and have been sending letters about recurring draft that I di not set up. On a call today, I was told they did not have to send to me, but then later in the conversation it was then said they sent it but have no copy to send to me. 
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Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).