23daVinci/CFPB_Complaints huggingface dataset:
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. COMPANY AFFIRM 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: Mortgage

The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.
Product: Credit card

There was a credit card open in my name from a company name XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of this credit card, and I didn't give this company consent for this credit card
Product: Debt collection

XX/XX/XXXX XXXX Caller from ARA Inc. XXXX XXXX XXXX did not give statement that he was a debt collector or mention the call was being recorded. I did not acknowledge the debt yet he gave the debtor 's personal information including name, birthdate, and full social security number. He said the debt was from XX/XX/1997 in XXXX XXXX. I did not have any car repossessed in XXXX XXXX. He threatened me with legal action and that it would appear on my credit report. I informed him I would not give any information since I did not know who he was so he said he was going to " play this recording, because you are being recorded, to the court. '' The name he gave was XXXX XXXX. I informed him he was not to call this number again.
Product: Credit card or prepaid card

Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted Equifax regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Equifax adhere to the law and remove this information from my credit report immediately.
Product: Credit card or prepaid card

Mrs. XXXX XXXX XXXX the information of my 3 credit cards, XXXX XXXX , Bank of America, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the Bank of America for an Amount of XXXX and the XXXX XXXX  for almost 5000.00 I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?
Product: Credit card or prepaid card

I was going to XXXX on vacation. So on XX/XX/XXXX I set up automatic bill pay on my Alaska XXXX credit card through BOA. I was told that the auto pay would not go through until the following billing statement. They told me I needed to do the XXXX payment by phone. So I did. 

BOA took {$2700.00} out of my checking account on XX/XX/XXXX by phone. They also took XXXX out of my checking account by auto bill pay. ( even though they said that would not happen ) BOA only gave me credit ONCE for {$2700.00}. 

BOA has been holding onto the other {$2700.00} since XX/XX/XXXX. I have tried to contact them numerous times by phone and by messages. 

It is nowXX/XX/XXXX. BOA still has not given me back my money or credited my account. 

If this was they other way around they would be charging me a late fee, they would be charging me 26 % interest etc! 

I am very upset with BOA This has to be illigal!!!
Product: Credit reporting or other personal consumer reports

OK, it looks like somewhere in XXXX. 
There was a XXXX XXXX and a credit credit cards open in my name after I open app a bank account with XXXX. Some funds and stuff were drawn out of my account. Address the situation with XXXX. But I've never had any credit card ever. I mean, I'm in a credit card. I wouldn't think I'd awake to before. I made it to the age XXXX. To get a line of credit, I think I was going fine without a credit card but that's Around the time all of them suffered data breaches starting from XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is in regards to the XXXX XXXX XXXXXXXX credit card account ending in XXXX. This account WAS INCLUDED IN MY XXXX XXXX BANKRUPTCY FILING on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX was informed of this by the XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX as per the CERTIFICATE OF NOTICE. I have been disputing the status of this account since XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) but Experian REFUSES to update the account and lists it as a Charge Off with a balance owing of {$11000.00} and at present there are 18 Potentially Negative Months of non payment. THIS IS INCORRECT as I do not owe this money -- it was included in the bankruptcy filing. The other two credit reporting agencies ( XXXX, XXXX ) HAVE MADE THIS CORRECTION. Experian 's continued reporting of inaccurate account information is a VIOLATION OF THE FAIR CREDIT REPORTING ACT. They must correct their reporting of this account as a Charge Off and indicate that the account was included in the bankruptcy filing and THERE IS A XXXX BALANCE.
Product: Debt collection

Company representative called and threatened to garnish my wages thru my employer and or take me to court without any notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check m credit due to me being away for the past 2 years. I finally have a new job where I am at home now. My kids decided to tell me that they tried to apply for loans and credit cards in my name online so now I have 12 hard inquires on my account. I called all the companies and they told me there was nothing that they can do about it. I called Equifax and they told me they were coming back verified. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and have discovered the following fraudulent accounts and inquiries on my credit report. These accounts and inquiries were not authorized by me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that they be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.
Product: Vehicle loan or lease

A THIRD PRTYCOMPANY HAS MY LOAN AND I HAVE TO GO THROGUH THEM TO MAKE MY CAR PAYMENTS. 
THEY TOLD ME TO GO THROUGH THE PROCESS IN THIS XXXX  AND MY REFERENCE NUMBER IS XXXX
Product: Vehicle loan or lease

i had an account loan with wells fargo for my vehicle which was a XXXX XXXX XXXX which they repossessed without any calls or notifications. They added several fees to my outstanding balance and did not give me the chance to try to get my vehicle back before they sold it through auction. Wells fargo was aware i lost my job and was unable to pay and should have given me options such as applying for a hardship. They didnt offer me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts, Transunion has violated my right by ignoring my request to receive debt validation and investigation findings regarding the following account. 
XXXX XXXX XXXX Balance {$6300.00} Account XXXX.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Product: Credit reporting

I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with the XXXX credit bureaus ( XXXX, XXXX, and Experian ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.
Product: Credit reporting or other personal consumer reports

I have no ties to the creditors mentioned, or these inquiries are unrelated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was totally unaware the XXXX would report this as a debt. In fact they were still billing me the monthly fee with said account as of last month. 


Fee charged this month :. 
XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19.00} This was actually a savings loan or credit building loan with my own funds. I went to the app and my funds I put in the account are gone. 

I like XXXX but this is shady. Please remove this collection because this is not a loan. I do not owe them any money on this collection. Thank you very much for your help.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXXXXXX, a collection account from IC System ( original creditor is XXXX and a medical collection from XXXX ( original creditor is Georgia XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act..
Product: Credit reporting or other personal consumer reports

For the XXXX time this morning experian starts yet again with another lie by saying there STILL WORKING ON THE ISSUE because everyone knows they don't do anything this is a stall tactic FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT FRAUDULENT COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLER CAPITAL IS REPORTING FALSE LATE PAYMENTS. I HAVE BEEN DISPUTING ONLINE AND I HAVE SENT LETTERS FROM XXXX XXXX XXXX. I AM NOT SATISFIED WITH THE RESULTS OF THERE FINDING. I KNOW THAT THE PAYMENTS WERE MADE ON TIME. THE DATES I AM DISPUTING ARE XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XX/XX/2021. I RECEIVE A CALL FROM CHRYLER CAPITAL THE LAST WEEK OF XXXX AND THEY STATED THAT THEY WOULD DO A XXXX DAY THOROUGH INVESTIGATION OF MY LOAN. I RECEIVE A CALL BACK FROM THE COMPANY ON XX/XX/XXXX AND THEY STATED THERE FINDINGS WAS CORRECT AND THEY WOULD NOT BE ABLE TO PROVIDE ME A DOCUMENT OF THERE INVESTIGATIVE WORK. ACCORDING TO FCRA THEY ARE SUPPOSE TO PROVIDE ME A COPY OF WHAT THEY " INVESTIGATED '' CHRYSLER CAPITAL IS PRACTING FRAUD BEHAVIOR.
Product: Debt collection

I put the dispute in XXXX in wells fargo because I buy a travel in book it and the in send the lettle with notifications the cancel my trip and call my bank for option, but my bank no help just said no probe enough and closed my dispute sorry for my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I sent in a letter with FTC report, copies of my ID, bank statement, and social security card and Equifax has not remove the fraud information from my credit report. I also reached out to the collection and they agreed to remove it. XXXX and XXXX has deleted the fraud accounts but Equifax hasn't done anything. Everything was sent in certified with a return receipt in XXXX. All information is in the letter I sent certified. I demand these 2 collection accounts to be deleted immediately. 

Collections Accounts from XXXX XXXX XXXX XXXX
Product: Debt collection

In 2014 I secured the services of an attorney and provided a XXXX retainer, with no agreement, written or verbal which would authorize or permit the attorney, under any condition or extenuating circumstance, a blank check in which to exceed the retainer and bill for non-approved services. Upon discovery, on the day of XXXX XXXX, 2014, the arrangement for services were terminated with cause by the client. Shortly thereafter, the client received a bill from the attorney in the approximate amount of XXXX for non- approved charges which exceeded the retainer. The former client contacted the attorney, a discussion ensued and the client requested the refund of a portion of the retainer based on the reasons for the termination and further advised the attorney the non approved charges would not be paid. The attorney fully aware of the condition of the arrangement of services forwarded the account to a collection agency demanding payment for unearned, non-approved, billed services. To date, the former client is continually forced to tolerate the violating behavior of the collection agency in carelessly accessing his personal identifying information via skip tracing methods, harassing calls and voice mails, in their persistent attempt to collect full payment of an invalid, 2yr old account. An itemized bill provided by an attorney for unearned, unapproved services is not a contract and is therefore not enforceable. No legal agreements were signed by the client. The supporting documentation in possession by the client consists of privileged email communications between the former client and attorney.
Product: Mortgage

My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XXXX, XXXX, XXXX XXXX impacted Florida. I called my credit company " XXXX '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called XXXX once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.
Product: Credit card

The account was closed due to fraud. I have a XXXX credit sitting with Bank of America. I want them to send me my money.