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

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACHIEVE PERSONAL LOANS XXXX XXXX Equifax Account # : XXXX XXXX  Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/2023 XX/XX/2023 Balance : {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2023 XX/XX/2023 Comments : - Unsecured Fixed rate Date Last Active : XX/XX/2023 XX/XX/2023 Date of Last Payment : XX/XX/2023 XX/XX/2023 Two-Year payment history Month 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 OK OK OK OK OK Equifax OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 



As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from National recovery as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. You have deemed the debt valid by putting it on my credit report before sending me written notice and allowing me the 30 days to dispute. I had no knowledge that I owed a debt to give to the client because I paid the company {$790.00}, which I was told that was all I owed. They should have billed my insurance dental for the dental procedure and medical for the medicine. I did a change of address with the post office, also if the mail was returned, that does not constitute a right to add a debt as valid on my credit, per the FDCPA guidelines. Your response said that I probably didn't receive any notices because you had the incorrect address and the mail was returned to you.
Product: Credit reporting or other personal consumer reports

One I was never notified that my account was charged off. Also there are an accuracies. They said I paid off the account in XXXX of 2022 but they put on my report has a charge off. Where I made payments they entered no data, then everything is charged offs. These are in accuracies and I was never notified. I have contacted they company the lady told she would not do anything about it and for me to keep disputing.
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. 

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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Transunion has allowed XXXX to report inaccurate information on my credit report. It was opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reports inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. XXXX XXXX reported inaccurate information on my credit report, which opened in XX/XX/XXXX. Transunion failed to investigate. These accounts have been damaging to me. Remove all accounts immediately. Unauthorized inquiries on my account 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  Remove all these unauthorized inquiries immediately.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. I disputed the fraudulent information ( AMEX ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )
Product: Mortgage

There have been many issues with this loan I've been trying to work through with 4 servicers since COVID-19 Pandemic. Problems existed with the original loan modification and remain unresolved, which is why I sought 3rd Party loss-mitigation with XXXX XXXX in XXXX. And for obvious ( financial incentives ), the present servicer is pushing another loan modification as their solution to a problem that wouldn't exist, and my loan number would be in good standing had they not violated my rights during a loan transfer that was in loss-mitigation the entire duration of Mr. Cooper 's announced acquisition of XXXX in XX/XX/XXXX- XX/XX/XXXX when they finally sent notice of the acquisition and transfer. 

Up until that point, XXXX XXXX had initiated communications in XXXX XXXX that went non-responsive and as consequence, cancelled my grant award of up to {$50000.00} XX/XX/XXXX because the servicers would not respond to their numerous attempts to execute my award to bring my loan current and in good standing. 

After pleading with HAF to try one more time ( with the newly obtained information ) from Mr. Cooper XXXX, XXXX XXXX paid Mr. Cooper at or about {$22000.00} in XX/XX/XXXX that brought my loan current, but because of the excessive delays, XXXX XXXX requires that I reapply for the monthly payments or {$28000.00} balance of the original {$50000.00} award. Further, I did not find out that XXXX XXXX rescinded the monthly payment portion until Mr. Cooper noticed me that I was 90 days past due on my monthly notes. 

XXXX XXXX is now telling me that they can not do anything until Mr. Cooper produces a foreclosure date. 

I am trying to get Mr. Cooper to communicate with XXXX XXXX and straighten this matter out without my property going into foreclosure. I have had this property for 24 years, this original mortgage for 23 years and I do not intend to lose over {$400000.00} in equity over Mr. Cooper and XXXX incompetence and or negligent loan transfer processes. Particularly when there are specific laws that governs notification timelines when mortgage loans are transferred to a new servicer is found in the RESPA Servicing Rule, which is part of Regulation X ( XXXX XXXX XXXX ). 

The original loan number and the new altered loan number can be found in the attached correspondence with Mr. Cooper and XXXX XXXX. 

Please see the attached documents for present communications between XXXX XXXX and me regarding the issue. The responses are non-responsive and after XXXX attempts at inquiry, I feel my efforts have been exhausted at reaching a good-faith remedy. The order of the files are listed in chronicle order : : XXXX. ) XXXX XXXX. ) XXXX XXXX. ) XXXX Thank you for any help you can afford this matter.
Product: Money transfer, virtual currency, or money service

No live support and due to that my information was given to someone else my account had unauthorized transaction
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of 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 personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account. 
account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

An account opened at XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # XXXX 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

I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these items as soon as possible.
Product: Mortgage

In XXXX 2016 I had snow damage to a aluminum awning that is attached to my house.State farm issued a check made payable to me and to Wells Fargo.Well Fargo will not release the funds to me so that I can get the damage fixed. 
They told me it has to be monitored. They want to release funds to contractor in increments. This process is impossible because it only takes contractor one day to complete. my loan is current and the amount is XXXX dollars which is under their threshold. I can not get this fixed until they release the funds to me. This awning is about to fall and I really hope nobody is under it when it does fall.
Product: Credit reporting

Every company whom pulls my credit report sees that I have XXXX Credit Score. Upon examining my credit report for XXXX, I see that there are XXXX different names on my credit report, XXXX being XXXX XXXX and XXXX being XXXX XXXX XXXX. The companies are getting the report for XXXX XXXX, but the entirety of my credit history exists under XXXX XXXX XXXX. I keep getting declined for EVERYTHING I APPLY FOR based off of my SUPPOSEDLY nonexistent credit score that your companies are misrepresenting to them. I am utterly outraged and will be seeking legal action against the credit reporting bureaus if nothing is done to have this problem corrected in your system. As if this has not caused me enough problems already, I spent XXXX $ and applied for a rental home a few days ago and was DENIED because of a N/A Credit Score. I ca n't believe no one has noticed this fatal error!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau violated my privacy rights and allowed erroneous inquires to be reported on my credit file at the credit bureau without my permission!! According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I HAVE NOT given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is.
Product: Credit card or prepaid card

I purchased two refundable one way tickets from Chase XXXX Rewards program using my Chase Card for a flight from LAX to FLL on XXXX XXXX leaving XX/XX/XXXX. I paid using over XXXX in points plus {$150.00} via my Chase card.. On XX/XX/XXXX I tested positive for XXXX and changed the flight to leave on XXXX XXXX. I paid an additional {$510.00} using my Chase card due to the increase in price for the new date. Unfortunately on XXXX XXXX, I was ordered by the Health Department to postpone my trip to XXXX XXXX out of concern I might still be contagious. I called Chase XXXX Rewards  on that day and throughout that week to cancel and refund my points and the money I paid for both tickets. They have refused and asked me to pay 150 cancellation fee for the refundable ticket. I explained that it was refundable and therefore cancellation fee didn't apply because XXXX does not charge cancellation fee. They said the airline was charging this and it was out of their hands. When I called the airline they confirmed there is no fee to cancel the ticket and they cancelled the reservation for me without charging me. When I called Chase XXXX Rewards reps they still refused to issue my refund and said I needed to get it from XXXX even though I never paid XXXX XXXX any money directly. XXXX has also said they can not issue the refund since it was not paid directly to them. See attached screenshot with their letter to me. Chase XXXX Rewards  continues to refuse to credit my account the points and and monies I paid for the ticket. I would like help getting this credited back to my account.
Product: Debt collection

This is the last time I will dispute this. Next I will be suing. This is not my debt. I have NEVER been in possession of a vehicle that had liberty mutual. No traces from the department of motor vehicles or tax offices in XXXX XXXX XXXX stating I owned, leased or rented a vehicle or home with them. The is complete fraud. At this time you are intentionally harming my credit and I am owed compensation at this point. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately
Product: Debt collection

Wakefield & Asscociates were collecting a medical debt that I have been unaware of due to mailing issues with a super long address. 
How Wakefield & Associates mailings got to me, I have no idea.

Billed 4 times for 4 different accounts on XX/XX/ and stating " .... a one time offer to pay 50 % of the balance by XX/XX/ and your financial obligation will be completely fulfilled and will notify credit reporting agencies that your accounts have been paid in full '' I did pay them on all 4 accounts the full 50 % agreement amount on XX/XX/ to satisfy what Wakefield & Associates requested.

After Wakefield & Associates had cashed all 4 orf my checks, they then sent me a letter on XX/XX/ stating, " Thank you for your recent payments of {$1400.00} received on XX/XX/ ... ... .. 
Please call our office to make arrangements to pay the remaining balance of $ {$1500.00} I did file a dispute with XXXX  Credit reporting agency and that is still under investigation in which I submitted the same supporting documents as I am to you.

As you can see in Wakefields own mailings, they ALSO did not include apartment # 12 in the address. So its a XX/XX/XXXX if I get mail or not apparently since these got to me but others haven't. 

I have made good on other accounts in collections because of same issue and did not have any problems with those companies. 

I am writing this complaint because it is " Unfair Business Practices '' and " Breech of Agreement/Contract ''. I feel bad for the elderly who may wind up double billed from unscrupulous  companies. 

Supporting documents attached including cashed checks
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report from identity theft EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquires on my report that need removed immediately. 

Xactus/fairway Independence XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Checking or savings account

XXXX XXXXXX/XX/, I dialed XXXX from my handset to make the monthly payment. After typing my zip code, the automated machine said there was an error, wait for an assistant. I didn't believe anything. So I tried it at least three times, and same response. Therefore, I decided to pay my bill via XXXX XXXX. Again, I was informed there has been error. Finally, I tried it again, I took a screenshot picture while the payment was processing. I received a notice saying payment didn't go through, but when I checked my Bank of America online ledger, it had gone through. ( see images ). 
Since the payment of {$71.00} had gone through, I notified : - XXXX ( requesting my payment confirmation ) - XXXX - XXXX - XXXX Nobody texted me anything. This morning, XXXX, I woke up and went to use my phone ; no service. I couldn't believe payment had gone through, and I had no service. This is the second time I wake up with no service and the bill is paid So, I called XXXX to inform them that my handset was switched again and now I have no service. This took place around XXXXXXXX XXXX EST. I even disclosed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my way to the airport, I stopped at the XXXX XXXX XXXX retail store inside the XXXX XXXX. By then, it was XXXX XXXX XXXX., XXXX to XXXX XXXX. EST. I shared everything to XXXX. He alleged his computer reflected no payment. I dialed XXXX on speakers, and the machine said my last payment was XX/XX/2023. XXXX dollars has been added to my account. And then it said " you have a XXXX balance. '' Dialing XXXX was not enough evidence to XXXX. So, I dialed the Bank XXXX on speaker phone. The automated machine said clearly XXXX XXXX {$71.00}. Then XXXX said, " Well, I do not know if it's being returned. '' So, I called XXXX XXXX XXXX and when I asked for Customer Representative for payment, the machine hung up on me. 
At that point I notified XXXX XXXX XXXX FCC OIG of what I was encountering. Then XXXX came over while I was trying to reach XXXX XXXX XXXX customer service. XXXX had already left my side. XXXX asked me to open my handset. He brought over a sim card and IPad. He then punched a few characters. He closed my cell phone. He then said " all done. '' Something to that effect. After that he dialed XXXX. The automated machine said, " Your last payment was XX/XX/2023. I went crazy ; and raised my voice. XXXX said he didn't do anything. I haven't paid. 
In conclusion, since I had a flight to catch, I made a second payment, {$69.00}. ( see images ) I recorded 95 % of the payment process. After a receipt was handed to me, I opened my online ledger and showed the double billing. 
A few hours later, a text kicked in saying my payment was not successful. Therefore, I'm asking for a refund of {$71.00}. 

Please have Bank of America refund {$71.00}. CRAZY, but true. Again, please have {$71.00} refunded asap. 

Thank You, XXXX XXXX XXXX