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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Debt collection

First Federal Credit called me several times, on the most recent interaction in which I stated that I wasn't able to make payments, the agent called and told me that my credit would be negatively impacted by not paying her. 

This account has been in their charge since XX/XX/22. They've ALREADY reported negatively against my credit report and have now SOLD THE DEBT to another collection agency ( XXXX XXXX XXXX  ) without giving me a fair chance at resolving this debt.
Product: Debt collection

on XX/XX/XXXX I got a phone call from Zwicker & Associates P.C explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.
Product: Money transfer, virtual currency, or money service

I had previously filed a complaint for this matter under OMPLAINT ID XXXX. After several weeks, the company contacted me and informed me that the problems had been resolved and that I could now use my account without reservation or any restriction. However, when I attempted to use my account and utilize the funds in my account that had been frozen since XXXX, 2022, I was informed that my account is restricted. 

I contacted their customer service and was again informed that my account is restricted. They are now demanding access to my bank accounts to verify my identity even though I had previously sent them my state ID on multiple occasions. This company has now refused and failed to allow me access to my money since XX/XX/2022. This is truly unacceptable and should be investigated.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. 
Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. 

XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXXXXXX XXXX  the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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.
Product: Credit card

I received XXXX XXXX from Chase bank in XXXX of XXXX. These cancelled the debt 's I had owed them on XXXX credit card accounts. They continue to report these accounts as late and with a balance, even though they were charged off in XXXX and cancelled effective XXXX XXXX. I paid the taxes on the cancelled debt as income on my XXXX tax returns. I have disputed this information multiple times with all three credit reporting agnecies and Chase always refuses to change the informaiton. I have attached the XXXX XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting and collections on account is fraudulent. And I did not give consent for my credit file to be improperly used.
Product: Debt collection

STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) account # 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report!
Product: Credit reporting

See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. 
This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX
Product: Mortgage

We refied a year ago XXXX with XXXX, and soon got notice of mortgage change of where to send payments, then it was CMC/SLS, and then just SLS ( Specialized Loan Servicing ), an LLC out of XXXX, also in XXXX. My property taxes went up and my escrow increased by {$120.00} in XXXX. I was not aware of it, but got late payment letters, after the fact, the even though the XXXX payment had been made, and the XXXX payment was made on the day I spoke to them. I changed to the new amount in my auto pay, but it did not save it, so the the XXXX shortage occurred in XXXX, and here came the letter with the XXXX late fee, a week after I had already sent the XXXX the day XXXX spoke to them, I believe on the XXXX. So SLS already had the electronic payment on the XXXX. I called to question it, and removing the fee has to be approved by the cashier dept. which I will have to call back in a week to check status. 
It is constant hassle and nickel dime churning. I have never had to make so many calls to a deal with a mortgage payment. It is like dealing with some sleazy collection agency. 
I don't believe these mortgage collection entities existed prior to the housing collapse. A residence is very personal to most people, and it leaves a bad taste to have your home mortgage sold into the clutches like grist for the mill. How is this allowed?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/24 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Product: Debt collection

After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they are fraudulent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND XXXX AS WELL AS NEXISLEXIS TO RESOLVE THESE MATTERS SO NO RESPONSE.
Product: Vehicle loan or lease

I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.
Product: Mortgage

After being told that my number was being taken out of the system at XXXX on XX/XX/2019 I got another phone call that no one talked on the message for minutes and I was told last week that I would not be getting any more calls after being hit by a drunk driver and this is the way Bayview operates. They continue with the harssment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act Bank of American acct # ending XXXX, XXXX acct # XXXX, and XXXX  XXXX acct # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. 

This creditor has reported to XXXX XXXX and XXXX
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 Bank XXXX, XXXX XXXX Bank XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Checking or savings account

Awful bait and switch on a CD. I asked when I opened the account about a withdrawal penalty. I was told 2 months loss of interest by XXXX XXXX. This was at the time opening a the XXXX XX/XX/23. 

I ask via email XX/XX/XXXX, what would be the penalty for withdrawal. XXXX responded via email, 2 months. I went in today and they want to keep about 3 times that amount in penalty. That is what the computer says was the answer. I talked to the XXXX XXXX, nothing we can do. You were given misinformation.
Product: Debt collection

Cards to old to be on credit score asked for original documents I was denied I know debt is over 7 years old and NCA brought it back in with 2 cards from same year!
Product: Checking or savings account

XX/XX/2022 Tried to make a deposit for a friend and the Teller asked AND required that I give them my ID. 
This will lead to Identity theft. 

At Bank of the West, XXXX XXXX branch. I complained to the Manager who wished me a " good day '' Took the deposit, unaccomplished, with me.
Product: Mortgage

Our home was hit by a tornado. We have already worked with our insurance and have a check for repairs to begin. Our mortgage company ( Village Capital ) requires their name on the check as well. We have called and been on hold for hours each time to try to find out the process to endorse the check. They do not have a local branch ( we were sold to them when we bought the home and didn't have a choice ). We can not reach anyone, and we are displaced from our home until we can have a heating unit installed. We have contractors ready to install the heat and begin the extensive repairs to our home, but we can not start the process until we get the mortgage company 's process for endorsing the check/releasing the funds. At this point, my family is living outside our home because they won't answer the phone. It is also costing my insurance daily for us to be displaced when we have the capability to get it fixed if they would just respond.
Product: Debt collection

Repeat calls daily/ robot Has placed derogatory remarks on my credit report and consumer reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report shows a closed account for : XXXX XXXX XXXX XXXX Line of Credit Closed : XX/XX/XXXX Remarks : Chapter XXXX Bankruptcy Last reported : XX/XX/XXXX This account was actually closed in XX/XX/XXXX and discharged in Bankruptcy in XX/XX/XXXX. 

Because of the inaccurate reporting, I have been denied a mortgage, loans, credit cards, and have even been denied opening checking accounts. 

The way XXXX has reported this makes it look like I had a closed account 2 years ago and filed bankruptcy 2 years ago. 

As stated above, this account was closed over 12 years ago and discharged in bankruptcy over 9 years ago. 

XXXX XXXX XXXX XXXX should not be reporting this account at all due to the age of the account. 

I have reached out to XXXX several times. 3 times in XX/XX/XXXX, and once this past week. 

XXXX has confirmed with me that the account was infact closed in XX/XX/XXXX, not XX/XX/XXXX and that it was discharged in XX/XX/XXXX in bankruptcy. I have been met with great resistance though in getting them to correct the information they are reporting to credit bureaus. They have told me numerous things, just dispute it on my credit report, that they will take care of it, etc. Nothing has worked and as recently as XX/XX/XXXX they have not corrected this issue and misreporting and the item and the inaccurate information is still on my credit report. I have even gone as far as to dispute the information but XXXX validates it every-time and says what is being reported is accurate. 

We even have a letter from XXXX   confirming the account closure in XX/XX/XXXX " not XX/XX/XXXX '' and that the bankruptcy was in XX/XX/XXXX, this letter and the recent  communication has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 


There absolutely NO reason this should have been removed from my account! I was told that this was a mistake on the behalf of Equifax. This has basically thrown my life off track because I lost XXXX points that I worked very hard for and no one understands me telling them that this is an error. Someone anyone please help me out immediately.
Product: Credit reporting or other personal consumer reports

I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to XXXX, Equifax and XXXX. I need this loan to report XXXX on my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a hard hit inquiry on my XXXX Credit Report by Chase Card that I do n't recall authorizing.