23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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, LA XXXX ( XXXX ) 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 NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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. I also asked for the original contract to be provided and it was not.
Product: Credit card or prepaid card

Payments made on the card and are deducted from my bank account and show as received on the credit card. The available credit does not reflect the payment for as long as 14 days. That means they are in possession of the funds for their own use and are not available to me.
Product: Mortgage

SLS Has Violated Multiple multiple state and/or federal regulatory laws. 

They have : 1 ) Illegally Changed my Mailing address without my knowledge, so I would not receive any correspondance on my account.

2 ) Illegally Added an address that is not mine to my Account and Credit Report, so I would not receive any correspondance on my account. 
XXXX ) Did not send me XXXX XXXX to the correct mailing address required by XX/XX/XXXX. 
4 ) Form 1098 retrieved digitally has an address that was illegally used to update my information without my knowledge. 

Suit XXXX has been filed against Specialized Loan Servicing in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
In addition agencies has/have being alerted of SLS 's servicing practices including : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , D.CXXXX XXXX XXXX : ( XXXX ) XXXX
Product: Student loan

I try and get a lower payment for my student loans it always end up being over 200.00 a month when I have no job and XXXX children its seems even if I go into Forbearance its only a couple of months and my payments after are like XXXX I tell them I can only make a payment of XXXX dollars a month they tell me thats no sufficient even when I was XXXX on ssi and ssa they still would not lower payments now my loans has incurred 8 years worth of interest because they would not work with me and my low income
Product: Debt collection

24/7 Advance financial repeatedly charged my bank account after i paid off the full balance that i owed. I walked into the branch to make sure my payment went through and the clerk informed me that my bank cleared the payment and was waiting for their bank to proccess it. But a few days later i was getting notifications from my bank that 24/7 financial attempted to debit my account {$61.00} this happened at least 5 times which is excessive because i did not Authorize any autopay from my bank account.
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting

I mailed several dispute letters pertaining to unauthorized inquiries on my credit report to Equifax by certified mail. The dispute dates and dispute complete dates are as follows : Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for all inquiries each time disputed which was 'inquiries are factual record of file access. I you believe this was unauthorized, please contact the creditor. ' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it 's files. The fact that I received a response in 8, 1, and 4 days respectively, after the receipt of my certified letter, one can assume that there was no investigation conducted pertaining to the matter. I am planning on purchasing a home this year, and with fraudulent information on my credit report such as these inquiries shows financial desperation. I 'm submitting this complaint due to the lack of investigation into my original dispute for inquiries that were not authorized, nor did I sign for.
Product: Mortgage

Mortgage was origionated by XXXX and subsequently sold to Flagstar in XXXX ( i beleive ). 

XX/XX/XXXX was informed that I did not have SUFFICIENT insurance coverage. After proving coverage no further communicaiton was recevied. 

XX/XX/XXXX I was told that they had " sent notification that the amount of coverage provided by my current flood policy was less than they required '' they hadn't told me that since XXXX of XXXX in the info above. 

On XXXX XXXX was billed {$13.00} for insurance. 

Again informed that I had INADEQUET coverage I called AGAIN. Its difficult to get a real live person at Flagstar. Finally connected with an insurance representative who is a contract employee for multiple banks and said that I had an issue with a LAPSE not INADEQUET coverage like the letters stated. XXXX confirmed with someone at Flagstar but when I asked for a name for my records they would not provide that. The agent acknowledge that My insurance company XXXX usually does not have issues. I have been with XXXX for 36 years. 

I want to make sure that we don't keep having this issue with Flagstar. They did not convey the confidence to me that they knew what the problem was and that they could correct the issue. I am contacting on my behalf as well as those who may also be affected by their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

XX/XX/year>, The account was not changed - XXXX  XXXX XXXX XX/XX/year>, The account was not changed - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, Sun Trust closed my checking account and confiscated over {$5000.00}. They have been holding my money claiming that my account is under review. I have spent over 3 hours on the phone with them trying to get my account status and when my money will be released. Despite talking with 7 supervisors in their fraud department, no one is willing to give me any information. It has been 20 days since they froze my account. I desperately need access to my money!!
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 ( original creditor : XXXX XXXX XXXX  ) ( XXXX ) - XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX  ( XXXX ) 15 USC 1681 sec . 602 A states I have right to privacy.

15 USC 1681 section. 604 A sec 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) sec. 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 7 years.

15 USC 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

Derogatory Information WELLS FARGO HOME MOR XXXX Mortgage XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX XX/XX/XXXX WELLS FARGO XXXX Mortgage Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!! 
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time XXXX I XX/XX/XXXX {$0.00} {$0.00} {$0.00} XX/XX/XXXX INCLUDED IN BANKRUPTCY {$0.00} Comments - Comments - This is NOT TRUE THESE WERE ON TIME AND PAID IN FULL!!!
I sent you and have all copies of Mortgages stating Satisfied Paid in FULL!! On all Wells Fargo Accounts they were never included in my Bankruptcy.And Paid on Time Equifax XX/XX/XXXX Same Goes for the Tax Lien that you have a copy for again and again I can send a copy of that too,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, BK OF AMER, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BK OF AMER, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

XX/XX/24 my vehicle was repossessed from my fenced in back yard during rest hours a few neighbors tried to ask them not to go in yard yet they refused my daughter scream from the window dont take my dad car they just took it anyway so, I was not notified of the repo XXXXdays prior although its illegal to repossess someones property to collect on a debt yet they took my car and all my belongings inside they have not called they send some automated service number to contact them. These are unjust actions that violate consumer rights to privacy and property and is outside of code and title this action has breached the peace my fence destroyed
Product: Checking or savings account

Wells Fargo charged a {$10.00} service fee that was supposed to be waived if the checking account balance was > {$500.00} which it was ( {$500.00} ) on the date that this service fee was taken. This was fraudulent behavior that they blamed on their " system. '' They have promised to reimburse but given the history of this company 's shady practices towards consumers I wanted to submit a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit card or prepaid card

Chase closed all of my credit card accounts after reviewing my credit report. They said I have too many new accounts opened and too many recent inquiries, even though almost all of my new accounts shown are authorized user accounts on which I am not the responsible card owner. I have never defaulted or missed a payment with Chase or any other bank and I never carry a high balance on any credit card. I also have {$15000.00} in a Chase savings account and an auto loan with Chase.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products
Product: Checking or savings account

I'm still waiting on the response from Wells Fargo legal department please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/18, I called XXXX XXXX, Serviced by XXXX XXXX Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, to ask for the final total amount to pay off my mortgage, I called at XXXX AM. The gentleman I spoke with said he could not give me a payoff amount, said a supervisor would email me an amount within 2 hours. At XXXX PM I hadn't received a email so I called again and again was told they could not give me a payoff amount. I said, you have asked me a lot of personal information ( SS #, loan #, name, address ) and still you can't give me a payoff amount? 
I asked to speak to a supervisor and was told that none are in the building?? I said there isn't one supervisor available in the entire building available for me to speak to and was told no. I don't understand how this company can do business like this and why I just can not be given my total amount of the mortgage so I can pay it off. This to me says something is wrong and why are they hiding my information from me? Please see if you can help me or if you could direct me to someone who can because this whole thing seems very fishy. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

Zelle didn't disclose the proper disclosure. Also money sent to wrong individuals was never recovered
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EQUIFAX SEVERAL TIMES ( 7 ) TO HELP FIX THIS PROBLEM, BUT THE WHAT IT IS THEY JUST DONT CARE. I HAVE SEVERAL ACCOUNTS ON MY FILE WITH EQUIFAX THAT ARE FRAUD! I HAVE SENT OVER POILCE REPORTS AND MY ID SEVERAL TIMES AND WITHIN THREE DAYS OF THE DISPUTE IT SAYS COMPLETED. THEY FINALLY REMOVED AND BLOCKED A FRAUD ADDRESS BUT THE ADDRESS LINKED TO THAT ADDRESS ARE STILL ON MY FILE. HOW CRAZY IS THAT. I HAVE ACCOUNTS ON MY REPORT THAT ARE FRAUD AND THE PEOPLE WHO STOLE MY IDENTITY HAVE BEEN ALREADY BEEN TO TRIAL AND FOUND GUILTY AND SENT TO JAIL, XXXX XXXX LOAN OFFICER ( XXXX XXXX, XXXX WHICH IS THE BRANCH MANGER, AND THE OLD CEO IS ON THE RUN SOMEWHERE IN NJ. THEN XXXX XXXX BOUGHT A TRUCK UNDER MY NAME ONLINE WITH A BLANK CHECK PROGRAM THROUGH XXXX XXXX  AND IT WAS RECOVERED WHEN HE WAS ARRESTED AT XXXX XXXX XXXX, XXXX SC XXXX. ALL I WANT IS MY ACCOUNTS THAT ARENT MINE TO BE REMOVED AND BLOCKED FROM MY ACCOUNT. 1. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I HAVE ATTACHED A POILCE REPORT TO THIS COMPLAINT WITH A COPY OF MY ID. XXXX PLEASE STOP BLOCKING MY PERSONAL ADDRESS OF XXXX XXXX XXXX XXXX, XXXX NC XXXX. IF NOT REMOVED I WILL SINK LEGAL ACTIONS AGAINST EQUIFAX. NOW I CANT EVEN GO ONLINE TO DISPUTE ANYTHING, EQUIFAX HAS ME BLOCKED FOR SOME REASON AND THEY KEEP SAYING WE ARE SENDING IT UP TO I.T. DEPARTMENT TO FIX YOUR PROBLEM AND IT NEVER HAPPENS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

XXXX  I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX  and {$520.00} XXXX XXXX XXXX XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  Experian I sent dispute onXX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Product: Debt collection

XXXX receiving phone calls of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Assistance , IncXXXX, Debt Collection Representatives for a debt of {$360.00} from XXXX XXXX XXXX XXXX. The debt collection account is the result of identity theft and not my debt collection account. Financial Assistance , Inc., is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter