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

XXXX XXXX XXXX XXXX, is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. XXXX sold our loan to a different creditor in XXXX XXXX XXXX The only amount in dispute is XXXX payment we allegedly owe XXXX of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own XXXX real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to XXXX reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if XXXX is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the XXXX payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX dollars when in reality we are only in debt {$600000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to AMERICAN EXPRESS for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report number related to this complaint XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX/ XXXX Account Name : XXXX & XXXX XXXX XXXX All Accounts Have Violated My Rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX are all fraud. I have not received any merchandise or applied for anything from any of these places. I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, MERCHANTS & MEDCAL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( MERCHANTS & MEDCAL ) communicating with me through email/text/calls. I would also like to request the purchase agreement between MERCHANTS & MEDCAL and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX
Product: Debt collection

I had a collection item placed on my consumer credit report that has caused a significant drop in my credit score. The third-party collector is Enhanced Recovery Company , LLC. Their address is XXXX XXXX XXXX, XXXX, FL XXXX. They are alleging a debt of {$140.00} to XXXX XXXX. I have no knowledge of this debt. I also have not received any correspondence from this collector in regard to this debt. I should be allowed at least 30 days to respond to a debt before it is assumed to be valid. I have not had the opportunity to acknowledge or deny this debt and for that reason, I am requesting immediate removal of this item from my consumer credit report. 

There is a footnote on this collection item that I was recently impacted by a natural or declared disaster. I am not sure how that impacts this collection item, but that seems like it would be a reason to extend leniency instead of skipping steps and depriving a consumer of their rights under the FCRA. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous things put on my credit in past years such as Texas attorney general for XXXX children  that arent mine. Auto loans and credit accounts that were not mine either in the past. The credit agencies had the year wrong on my birthdate up til last year which they changed for me. This past Saturday I checked my XXXX XXXX  app I was looking to trade in my vehicle for a new one. I was pre approved with my credit above 640 Saturday morning XX/XX/2021. When I went to purchase I told sales person I was pre approved with a few companies the dealership contacted the banks and now they wont give me credit. My credit fell almost 200 points in 2 hours? The reporting company XXXX XXXX Im not sure who that is since they told me it was XXXX XXXX well they show an XXXX and XXXX paid but hadnt paid XXXX yet due on the XXXX. I am 6 days late and credit fell almost 200 points. Also when I purchase the vehicle I have now when I signed the contract what I signed isnt what I was getting for finance rate its much higher so I wanted to get out of that vehicle and start a new contract with new vehicle. The fraud now on my credit I cant do anything. Someone is manipulating my credit as they please and it also shows 41 hard inquiries that I didnt make I get pre approved and have only used my credit a couple times ever. No judgements dont have bankruptcy nothing. My drivers license was stolen about 2 months ago which I reported to XXXX county sheriff dept. also my XXXX XXXX app shows now that my credit dropped 16 days ago thats not true it dropped on Saturday the XXXX of XX/XX/2021. Also have a collections that was removed and now has reappeared that is not mine. Thats over XXXX dollars. I hope this is enough information. My email is XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of identity theft due to someone having a scanner at the gas station pump. I was at the XXXX gas station in XXXX XXXX Georgia and paid at the pump for my gas. After I left there was charges being made to my Card the other side of town at XXXX XXXX XXXX in Georgia with out my authorization. I notified the police and the bank Money Lion and they are still refusing to refund my money.
Product: Checking or savings account

I have a business banking account at Chase for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX Although, I followed all regulations when establishing the account, the bank sent me a letter in XX/XX/2022 asking for copies of documents. I went to the bank in person on XX/XX/2022 and supplies all copies of articles of incorporation, IDs etc. 

Yet Chase froze my account on XX/XX/XXXX and XXXX, causing disruption to my business. Several insurance companies and XXXX suspending me from their electronic payment system. My long term care insurance premium which is set up on automatic pay .... was rejected. 

Although, my account is now unfrozen, Chase refused to take any responsibility for the harm done to my solo medical practice. As a XXXX, female business owner, I shudder to think if this is how I was treated ... how many other XXXX owned business are suffering. 

Multiple phone calls to Chase representative XXXX at XXXX ext XXXX have not been returned.
Product: Credit reporting or other personal consumer reports

Good day, This is XXXX XXXX XXXX, I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

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 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 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: 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

according to the FCRA I have Identified items on my report that are a result of identity theft these items are not related to any grand action by me nor any written consent from me I would like them removed immediately. 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MI, Address XXXX XXXX XXXX XXXX mi XXXX Address XXXX XXXX XXXX XXXX mi XXXX
Product: Checking or savings account

I opened a new joint checking account with my wife XXXX XXXX XXXX approximately two decades ago at a branch in Washington DC. ( Citibank account XXXX XXXX ) We have been Citibank customers ever since. The terms of checking account package that we opened included no monthly maintenance or administrative fees. I understand this was a called a Regular Blue account at that time. 

I recently learned that our account was changed, without our knowledge or consent, to a new type of account called a Citibank Account Package that included a $ XXXX monthly fee when certain minimum balance requirements were not met. Since we had no idea that our account had been changed to a new product, we were not cognizant of the minimum balance requirements and consequently we were charged a monthly fee of {$25.00} on many occasions. Citibank online records only go back 18 months and I was able to identify a $ XXXX monthly account maintenance charge posted in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I was not able to check further history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TD Bank in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow-up complaint to resolution of complaint ID # XXXX. 
I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. 
According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 
I believe these are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several credit card accounts on my credit report that does not belong to me. 
XXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXXXXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... Account Number XXXX... Date the Account was opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Product: Mortgage

I am writing to dispute a billing error in the amount of {$800.00} assessed on my previous loan # XXXX serviced by Citimortgage. My previous mortgage servicer CitiMortgage mistakenly foreclosed on my home in XX/XX/XXXX. Due to this mistake, the foreclosure was rescinded and Citimortgage waived all the Fees ( Letter attached. ) However shortly after, Citimortgage inaccurately charged an {$800.00} fee to my loan on XX/XX/XXXX ( Citimortgage Expense history attached ). This was inaccurately charged to my loan as citimortgage previously waived all the fees due to their error. I have previously asked citimortgage to remove this inaccurate charge, however they have not removed it and citimortgage has not provided me any evidence ( Break down of charges equal to {$800.00}, detailed description of services rendered for each fee, date of services rendered for each fee, amount of each fee and copies of original invoices for each fee which adds up to the {$800.00} ) confirming that this  charge was accurately assessed. Due to this inaccurate {$800.00} fee charged by Citimortgage which was in direct correlation with the mistaken foreclosure in XXXX which citimortgage has waived all fees, I am requesting citimortgage refund me the {$800.00} which they had charged my new servicer ( XXXX XXXX history attached ) when the loan service transferred to XXXX XXXX loan # XXXX. Please have Citimortgage refund the {$800.00} to me so that I can refund the {$800.00} to my new servicer to correct the inaccurate charge.
Product: Payday loan, title loan, or personal loan

On XXXX I received a message from Wells Fargo asking about some charges on my account. I followed a link. They called and unfortunately I logged into my account. Supposedly they took off the charges. Shortly I received an email from Wells Fargo stating I had sent 2 wire transfers. I called to report that I had not sent the transfers. My account showed {$14000.00} taken from my Visa signature card and {$12000.00} removed from my savings. The money was wired to another account. The fraud specialist said they would stop the transfer, not to worry. Today, Wells Fargo denied my claim stating that I or someone I authorized had performed the transaction and they would not reimburse my funds
Product: Credit card

i have credit protection on my destiny credit card until XX/XX/XXXX per a recorded Phone call, but they didn't make the payment last month. all fes and late fees need to be paid and assured the same thing won't XXXX happen next month.i have consistent issues with this company and credit protection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.