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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I attempted to obtain my free credit report from Experian using XXXX. However, the website returned an error message saying my identity could not be verified. It asked me to send proof of identify. 

I have had this happen every single year for the past several years, and I am tired of jumping through hoops to get my free credit report from Experian. 

Next, I went to the Experian website to fill in a complaint form, and the website said I had to call them because they couldn't take the dispute online. That number is useless for my purposes as I couldn't talk to a live person and it's a system designed, I think, to make you give up. 

So, I am beginning to think that they are intentionally trying to make it difficult for me to get my credit report. 

I believe it's illegal for these companies to profit from my information and then refuse to provide it to me via my free annual credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had XXXX late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : UNIVERSITY FCU Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

I have a positive balance on my credit card # XXXX. In the middle of XXXX I have called the company to have it refunded in the form of the check however when I called back on XX/XX/23 to inquire why the check has not been received I was informed that the check was never issued and the {$1000.00} positive balance is still there. 
When I requested to speak with the supervisor I got an employee named XXXX who informed me that " I am sorry that I feel the bank didn't fulfill its responsibility toward me as their customer. '' Since the issue is not my feelings but a complete breach of contract on behalf of the bank that refuses to refund my own money which belongs to me I requested to speak to a supervisor with a position of authority to address the issue. I was informed that " nobody is available '' and someone will call me at the later time. Well, nobody did. 
Here is the issue : beyond just a complete arrogance and lack of responsibility to provide any kind of customer service, the US Bank employees use talking points without understanding what they actually mean that wind up offending customers. They also provide a service in bad faith as they have no authority to address issues with the US bank holding my money against my will and instruction.
Product: Payday loan, title loan, personal loan, or advance loan

On my credit report it has been showing the loan going up every month instead of down. I want paperwork as to why. Then they told me they also added over {$600.00} to my loan because I dropped my coverage and I did not drop my coverage. I have not received an amendded loan or anything.
Product: Debt collection

Portfolio recovery services account XXXX amount {$630.00} opened XXXX and account XXXX amount {$580.00} opened XXXX has been reporting inaccurate on my credit and is in violation of federal law. These accounts are collection accounts and are reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this XXXX accounts from all XXXX of my credit reports for violating the fcra and inaccurately reporting account statuses as well as account types. I will be following up with complaints with the federal trade commission as well as the Virginia XXXX for violating federal law.
Product: Credit reporting, credit repair services, 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. 

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 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

I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My XXXX XXXX   mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.
Product: Debt collection

Calling too frequently, being rude and obscene. Someone even contacted a family member of mine and was threatening. Poor excuse for people.
Product: Debt collection

Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on it.
Product: Mortgage

I have been requesting mortgage assistance for months with Wells Fargo Home Mortgage. My mortgage is a line of credit, the interest rate is changing and terms of the loan. I went to Wells Fargo XXXX TN to finance the purchase of my home. 
Wells Fargo representative did a line of credit on my home, instead of a 30year mortgage that I requested. I trusted Wells Fargo but all they have set me up to loose my home.I did not know or understand the mortgage that was on my home. I have been infected by Covid-19 and Wells Fargo still has not assisted me with mortgage assistance request. Wells Fargo Bank has entered into a federal consent order for XXXX XXXX TN XXXX, TN for ethical and discriminatory practices with their mortgage lending. I know I'm also a victim of their lending practices
Product: Credit card or prepaid card

I applied for and received an American Express credit card offering {$270.00} cash back if the card was used for a target amount. I did this and received the cash back as a payment deduction. I decided to cancel the card 1-2 m later. Recently I received an e-mail indicated that the cash back was reversed and I now owed that amount. It was never made clear to me in any obvious way that the card needed to be held for one year for this offer to apply, only that I needed to use the card up to the target amount. I did not solicit this offer- it was a pre-approved solicitation by mail. 
It is likely that this one year rule was somewhere in the multiple paragraphs of the user agreement, but this was never made clear in any of the summaries of the offer, or when I cancelled. I had an AMEX card in the past for many years and was checking this one out because I received good service on that card. 
I think this is a shady way to do business. Why does AMEX make these offers and then revoke them? 
XXXX XXXX ( for record : birthday XX/XX/1955 )
Product: Credit reporting or other personal consumer reports

In XXXX I disputed inaccurate late payments on my credit report. I disputed the XXXX on my credit report, I asked to send roof that I was ever late, I never received a notice in 21 days stating my payments were late.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue since XXXX of XXXX JPMCB reported a card that I never took out or had the ability to use to my credit report at first i didnt notice because there was no damage done to my report from having all the way up until XXXX when whoever opened this account stopped making payments I had no need to check my report consistently as I wasn't taking on to much debt during this time, however when the negative payments started affecting my credit and ability to take out new loans to my surprise I noticed the JPMCB card reporting delinquency this account has significantly affected my credit score since then and I have been actively trying to dispute this account directly with Chase with no luck I never took out this debt or accepted responsibilty for this act and do not feel i can be legally obligated to pay this debt with reasonable doubt as to the legitimacy of this account the most recent balance reporting is {$110000.00}
Product: Debt collection

First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Dept of edXXXX  Accounts # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Product: Mortgage

I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed this company years ago that my wallet was stolen and a credit card was opened with this company they informed me that the card was closed and they will inform all 3 credit bureaus but this account is reporting on my credit reports as a chard off account this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership to apply for a Car, the salesman 's stated they were going to pull from one bank but they did multiple ones. Please REMOVE 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want equifax to straighten out my credit report. Was told I had a mixed file the other day when I called and they always need me to send in some kind of document to verify me and update my information properly and also my phone number keeps changing on that fraud alert.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : Accounts Regional acceptance account # XXXX XXXX collection {$81.00} Inquiries : XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( Department of Education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX co XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX ( XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Student loan

I filed bankruptcy two year ago in XX/XX/2018. Since then I have not heard from Sallie Mae loan company regarding my private student loans. Yesterday I received an email from XXXX XXXX  saying that my Sallie Mae loans are going to collections. I tried to log on the website to make a payment plan or speak to a representative about it and it said my account was disabled. So I called the customer service hotline yesterday and today and as soon as I put in my account information it tells me that nobody is in the office to speak to me. And their business hours are open at the time I make the calls. So Im struggling to get ahold of this company to figure out this issue and its like theyre ignoring me. Im not sure what to do because they dont have any other way of contact besides that hotline and as I said I cant get ahold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX  Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : XXXX-XXXX  XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen