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

I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. XXXX XXXX  was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then Equifax reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted XXXX. But both companies refused to remove.
Product: Debt collection

I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company!
Product: Checking or savings account

A fraudulent account was opened under my name this morning with Bank of America. I have spent 3 hours on the the phone trying to get clarification and get it closed as soon as possible. I keep getting transferred to people who refuse to help and have been hung up on several times.
Product: Mortgage

XX/XX/XXXX, Hurricane XXXX passed through Florida which I was affected by that, in my payments in XXXX I asked XXXX Bank for a forbearance and they said that no more documents are needed, the system put it as approved and today on the page XXXX Bank 's internet says they need a document, the communication is bad and they don't want to help the client, because I was recently approved by social security for XXXX and they are slow to send me a large sum that social security for XXXX owes me, I need you to XXXX bank help me modify my lowest payments
Product: Credit card or prepaid card

I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. 

On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.
Product: Credit reporting

I can not access my credit reportmy information does n't match with the credit bureauI applied for numerous credit cards and got a denied answer based on the fact that the can access my information to verify my credit.
Product: Debt collection

On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a Federal Stafford Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time Federal Stafford Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the two references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX  ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under Credence Resource Management, even though each time companies report it, they can not verify the information. I will be including Credence Resource Management in this complaint and a separate one for a debt collection violation. 

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are housing fraudulent hard inquiries that do not belong to me. I have been trying to dispute them off but they are not listening I have reached out to the companies along with filed a FTC complaint these hard inquiries need to be removed or every incorrect one is a XXXX dollar fine and I will seek legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise should be taken completely off of my credit reports, because the debt was sold to a creditor and has been paid.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX : {$160.00} ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Balance Owed : {$780.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I fell victim to a scam person who gave me a fraudulent check that I did not know was not valid and now my savings account with this bank is negative and I really don't have the money to pay it back but they said unless I pay it back they would not be able to even consider me for a new account application I was wondering since I was a victim if they could just take these charges off and be willing to open a brand new account for me because I don't know any other way to make this work I fell victim to this before with other Banks so I'm really running out of banks that I can use now
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to Fed Loan Servicing. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted Fed loan to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I was legally allowed by the federal bankruptcy court on XXXX XXXX in XXXX maryland to be allowed to discharge approx XXXX in unsecured credit card debt owed capital, one a limited llc, corporation.The bankruptcy final judgement occurring on or about the end of XXXX or the being of XXXX The legal department of Capital one credit in a capricious, illegal and retaliatory manner attached a lien again me and my then wife XXXX XXXX XXXX XXXX XXXX then home at : XXXX XXXX XXXX XXXX md XXXX This prevented us when our fledgling XXXX of only 7 years failed, from us selling in a free market our business and home in a timely manner. The illegal lien placed by capital one upon our principal residence prevented such a sale by us, because we lacked the funding necessary to secure legal counsel against this giant corporation. Although such action was seriously considered by us. 

As a result our entire equity in our principal residence which was close to XXXX XXXX was lost when the bank who held our mortgage note foreclosed and privately sold our home to an undisclosed third party I demand this XXXX sleepy companies practices be exposed and all legal damages be paid to me XXXX XXXX XXXX and my formal spouse at the time XXXX XXXX. 

Capital ones knowingly went gainst the direct court order of the federal administrative judges final verdict and the executives should be found culpable of criminal conspiracy to defraud a small business owner of their sole key asset, their home XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$470.00}.
Product: Debt collection

A company called Midland Credit Management has sent me letters and has reported negatively to the 3 major Credit Bureaus claiming I owe money to them, specifically {$12000.00}. I have never applied for or opened an account with Midland Credit Management nor have I given permission to them to use any of my personal information to open an account. I have recently reported this to the 3 major credit bureaus in addition to filing this report.
Product: Mortgage

Every year since I have purchased this house. My taxes have changed. Which is understandable. What is not understandable is that this year. Loancare had to pay additional taxes to ward off a foreclosure of back taxes. why should there had been any owed back taxes because I faithfully pay whatever amount they tell me to pay. But today was truly enough. I was advised for the first time that there is an additional parcel of land which does not reflect my loan closing documents. Every month it is something new and that is not right for me as a consumer. I feel like I am being taken advantage of and my mortgage lender is not properly doing their job and someone needs to look into this. This is very over whelming to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 Equifax added a personal statement to my consumer credit file without my consent. The statement they added was for as an explanation on a account I was disputing. This was not to be meant to be used as a personal statement on my credit report. Not only that but Equifax added my ex wifes name to the consumer statement. I want them to remove the consumer statement. I never gave them consent to use my dispute explanation as a consumer statement. I have included a screen shot of the consumer statement Equifax added to my credit report without my consent that violates my rights and privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, BARCLAYS BANK DELAWARE has violated my rights. 
Under 15 USC 1681 Section 602, it states I have the right to privacy.

Under 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

BARCLAYS BANK DELAWARE reported my account late for XXXX and XX/XX/XXXX. They have not updated the status of my account since XX/XX/XXXX. The balance on this account has been paid since XX/XX/XXXX ; however the report claims I still owe money. Also they have raised my interest rate ( APR ) to the highest possible rate since.
Product: Vehicle loan or lease

I reached the end of my lease and asked for an extension which I was given. I had problems with the lease because the contract had the incorrect mileage at XXXX miles. It's my understanding that this would make the contract void. I submitted a CFPB complaint which Nissan Finance responded stating XXXX XXXX ( Dealership ) needed to correct which they have not. I was given my options : purchase, turn in, and I provided I could trade they agreed. I wanted a XXXX. I went to XXXX XXXX to purchase a XXXX and I provided the payoff from the Nissan website good thru XX/XX/XXXX. I completed a full application and credit check, with paystubs. I was told there was an additional $ XXXX for early lease termination fees. Mind you my lease ended on XX/XX/XXXX. I tried to payoff the loan again through XXXX and authorized my salesman XXXX XXXX on XX/XX/XXXX and XXXX refused to speak to Mr. XXXX with XXXX. I believe that XXXX XXXX placed incorrect mileage on the lease contract so that I would incur a large fee at the disposition. I'm the one that caught the error not Nissan Finance or XXXX XXXX. I'm not sure how many other customer 's they have done this to on a lease and they should not be permitted to add a number to the mileage and think it's permissible. This contract is void. This is a large error on their part the mileage on a lease is paramount and they made a huge mistake.
Product: Checking or savings account

On XX/XX/XXXX, I was approved for a {$7000.00} hybrid loan from XXXX. {$4000.00} available immediately, and {$3000.00} secured in a 'locked ' savings account. The monthly payment was {$320.00}, which I kept current. 

On XX/XX/XXXX, I received an email from XXXX stating that my loan was being taken over by their 'trusted partner ', SST. The monthly payment was still {$320.00}, which I kept current. 

On XX/XX/XXXX I decided to pay the loan off and have the savings account unlocked. I initiated a payment of {$4000.00} which was processed, and deposited, by SST on XX/XX/XXXX. I immediately called SST and asked them to release the lock on the savings account so I could access the much-needed funds. Was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than XX/XX/XXXX. 

It is now the end of business on XX/XX/XXXX and I still do not have the funds. Furthermore, SST outright lied on an email to me about the payoff of the account, claiming it was XX/XX/XXXX ( please see attached document ). The payoff was 17 days earlier. 

Furthermore, SST initiated an auto-withdrawal from my checking account AFTER I paid off the account even though I have called numerous times informing them the auto-withdrawals need to stop immediately. In total, XXXX/SST owes me {$3300.00}, DUE IMMEDIATELY.
Product: Debt collection

This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to XXXX when I do n't. I sent them a validation letter in XXXX 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a XXXX follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the item which they received on XXXX/XXXX/15 and they still have not removed the item but yet continue to verify this with the credit bureaus. This company is in clear violation of the law as they have 30 days to respond to my request for validation and they have yet to do so. I am considering legal action if this is not promptly resolved because it is damaging my credit. By law a company can not report an unverified debt and that is exactly what this company is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX have 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
Product: Credit card or prepaid card

i have a chase freedom unlimited card and I decided to turn on automatic payments. When the due date finally came, it only paid a portion of the statement balance instead of the full amount. I didn't know of the error until a few days later saying when i got an email from chase charging me a late fee and noticed my credit score took a dip
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Product: Mortgage

In XXXXXXXX XXXX XXXX, I switched my home insurer. On XX/XX/XXXX, my previous insurer, XXXX XXXX sent a refund of {$2500.00} to Mr Cooper ( mortgage company ). On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX was cashed by Mr. Cooper. This was never applied back to my escrow, which I became aware of around XXXX XXXX. 

Since XXXX XXXX I have contacted Mr. Cooper at least 8 times, as well as my insurance agent contacting them several times. On at least 3 occassions we provided different parties at Mr. Cooper regarding the refund. They have provided a variety of vague explanations of what the issue is. 

On XX/XX/XXXX, Mr. Cooper transferred the servicing of my loan to another servicer. Now when I attempt to contact Mr. Cooper, a recording tells me my loan has been transferred and disconnects. 

I have tried to use the live chat option on their website, which has also been unsuccessful. 

Thanks, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX ( ERC ) for amount of XXXX. I have sent ERC a debt validation and ERC has not responded to my request. I also disputed this with all three credit reporting agency. I have no knowledge of this account