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

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused XXXX  XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

it happened that i noticed some fraudulent activity on my bank of America account. after i disputed the charges through bank of America, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called bank of America maybe XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around XXXX months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a XXXX  report from Bank of America STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to Bank of America since XXXX after another XXXX calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem Bank of America decided to correct their mistake by reporting me to XXXX as an account Abuser, instead of informing ME that i was overcompensated and should return that money to bank of America. Very interesting!! as soon as i found out about that charge i paid that balance right away and bank of America promised to remove that report from my XXXX. but they only updated the balance to XXXX. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because Bank of America agents are IRRESPONSIBLE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I discharged the following accounts Capital One ( XXXX ), ( XXXX ) I requested that Capital One accept my form of payment and requested that the tender may not be rejected, stopped or refused without discharge of the obligation to the extent of the amount of the tender pursuant to ( XXXX XXXX XXXXXXXX ) ( from XXXX. XXXX, par. XXXX ) Tender of payment & VA XXXX XXXX, said tender and discharge being 100 % as full satisfaction. Capital One has a civil right to refuse the tender of payment ; If tender is refused, there being discharge, Capital One has no permission to contact the XXXX XXXX XXXX. Attempting to coerce payment of a discharged debt is extortion. Subsequent correspondence, bills, invoices and notices, incur mandatory fees. 

XXXX closed my account without any written notice or explanation and continuous send me communications via email to collect on the debt they have sold to a collection agency.
Product: Debt collection

XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Product: Mortgage

If I make a payment today ( XX/XX/22 ) for my mortgage minimum payment, mortgage company applies that payment to various items ( interest, principal, escrow ), this payment satisfies XX/XX/22 payment If I make another payment today, XX/XX/22, same amount, my mortgage company will charge me ahead of time the interest that would have been occurred if I had waited to make the payment on XX/XX/22 I used to have my mortgage with XXXX bank and under the same circumstances they applied the second payment all to principal and escrow, as they only applied my payments interest portion to the unpaid outstanding interest The example above occurred the first month I paid my mortage loan. 

This is predatory, as it encourages people to pay on the due date since they would not be saving any money on interest from paying early, and the auto pay options do not allow to pay early, they allow to pay up to 10 days late. These auto pay choices and payment allocation are designed to trick customers into being late and incur late fees and pay more interest over the loan time
Product: Mortgage

We received back information from CFPB today and the PHH mortgage attorney XXXX XXXX. Closed case # XXXX. Mr XXXX to be blunt is completely inaccurate in his response. 
XXXX sent us a letter of transferring our service to Ocwen dated XX/XX/XXXX. 
There is no wording on the letter about modification in XXXX as we did not apply for modification with XXXX in XXXX we applied with Ocwen who has lost the file. 
Funny Ocwen has a track record of losing files. We were not denied a modification in XXXX it was XXXX. Why would we be contacting XXXX  XXXX  looking for the original copy of the XXXX as this is what Ms XXXX and Mr XXXX said for us to produce. Please review the recordings of the phone calls I had with them.We would appreciate the attorney representing PHH Ocwen to be fair and honest. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX XXXX breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. Please see your response where you admit to no proof of validation. Also see the XXXX data breach claim ID.
Product: Checking or savings account

Wells Fargo sided with a fraudulent company that I bought a flight ticket from. A business that was charged by the department of transportation for mistreating their staff and people with handicaps poorly. 

After banking with them for almost 20 years, I now realize they will never change. They will continue to be a shady institution that steals and cons their clients. 

After everything I went through with surviving XXXX. XXXX, Loosing my job, I have to deal with the emotional stress of dealing with this business. 

They garnished 2 weeks of my wages, to pay off what they owe to the 1000s of people they scammed. XXXX, I will be posting complaint after complaint. I will continue to look for additional information to support and corroborate my complaints against Wells Fargo for EVERY year, that I've banked with this scam of a bank. 

When the opportunity comes to take legal action, I WILL. Sooner or later... 

I won't ever forget, how your bank has treated me and other clients.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX submitted an inquiry for my credit history without my consent. The enclosed are letters from XXXX verifying PER MY REQUEST applications in XXXX for a XXXX credit card were no longer being reviewed. The reason I requested to stop any further review was due to mishandling of the applications. On XX/XX/2022 I filed a complaint against XXXX regarding the mishandled applications. I am shocked and appalled that XXXX has again mishandled applications in XXXX for a credit card with a XX/XX/2022 inquiry that was at no time authorized.
Product: Debt collection

Summit XXXX XXXX called more than XXXX  times about a check in XXXX XXXX that I never had, I've told them over and over that this isn't my debt. They stated that they were a legal firm with my case ( debt ).
Product: Student loan

I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? 

I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?
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 : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau and the companies concerning inquiries on my report that doesn't belong to me. Here are the inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I applied with Explore Credit back in XXXX of XXXX Well in XXXX of XXXX to be exact on XXXXXXXX XXXX someone from XXXX XXXX tried to go into my checking account and take XXXX, so I had to get a new checking account with XXXXXXXX XXXX. I explained all of the above information to Explore Credit. Explore Credit went into my old closed account while having my new checking account information and debit the funds, well you can't take funds from a closed account and the strange thing is they went into my new account and debited the funds!!!!! Explore Credit comes back and tries to charge me XXXX for a late fee. I refuse to pay a late fee because my payments are automatically taken out of my account and it's not my fault that Explore Credit went into the wrong account!!! Since then I have been harassed, bullied, told my account was closed, sent email that I owe XXXX repeatedly!!!! My XXXX is high, my nerves are bad, and I'm tired of the foolishness!!!! XXXX texted me on XXXX at XXXX " XXXX XXXX XXXX This is XXXX from Explore. I'm reaching out because your recent payment was returned due to your account being closed. To help you, we are offering a 30 % off on your balance, which is a great opportunity to settle this matter. If you'd like to discuss this further, just let us know, and we'll be glad to give you a call ''. Text message Why would I need to settle when my payment are taken out of my account every week? 
Why would my account be closed? 
XXXX Text message XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited time chance to settle it for half your payoff balance. Call or reply to this message to discuss your options. Let 's work this out together! 

First, what's to work out together because I'm not behind on my payments??? My payments are automatically taken out of my account. I texted and said : " I don't have an unpaid balance, my payment are taken out every week ''!!!! XXXX texted back to say : " Sorry for the inconvenience, kindly ignore the previous message ''. I get another text message to XXXX from XXXX XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited-time chance to settle it for half your payoff balance ''. Now XXXX just sent me a message yesterday similar to the one today and told me to ignore!!!! I have emails on top of email and text messages. I could go on and on, but I refuse to do that.
Product: Consumer Loan

Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Creditor is issuing late fees and interest charges against an account and credit card that are not in use. The account was paid in full 6 months ago. Creditor continues to apply late fees and interest charges on purchases even if no purchases are occurring. I am filing this complaint to report fraud within American Express company. I have provided write documentation of creditor trackings.
Product: Mortgage

On XX/XX/2020 our mortgage lender Freedom Mortgage issued the annual Escrow Account Disclosure Statement. In the statement they calculated that we had a surplus of {$1700.00}. Under RESPA, they have 30 days from the date of the statement to refund any amount over {$50.00}. As of XX/XX/2020, they have not refunded said amount. Called Freedom today, XX/XX/2020, and was informed the refund would not be processed until XX/XX/2020. In my call I stated that federal statute states that refunds must be made within 30 days, and their claim was they were behind due to the virus. A virus is no excuse to violate federal statute. Yes, the surplus will be paid, but it is still late, so I would like it on the record that they violated RESPA.
Product: Debt collection

Ive filed several disputes with the company by the name of pronto finance to remove this vehicle from my credit report that isnt mine. It does not belong to me and i have {$11000.00} worth of debt sitting on my credit because of this.