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

Account : XXXX  XXXX there are several inconsistencies regarding this account. I will attach document below
Product: Credit card

On XX/XX/year>, I had requested to be removed as an authorized user on 3 accounts with Synchrony Bank, i was told that I would be removed and a letter would be sent to me. It is XX/XX/year>, I have yet to receive confirmation so I called them again and this time I was denied because I am not the owner. I have had no problems removing myself as an authorized user on other cards, for example XXXX had me removed and off my credit report within a day. Now synchrony is telling me that I have to wait until XXXX! This makes no sense and is totally wrong. I should be able to have this removed on my own with no problem, but it seems with Synchrony it is a problem.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.
Product: Debt collection

I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.
Product: Credit reporting or other personal consumer reports

On my credit report it shows XXXX XXXX with XXXX late payments. 

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

Under 15 USC 1681 Section 604 A 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.
Product: Credit card or prepaid card

NETSPEND WILL SLANDER YOUR NAME. They ca n't use the same verification process for everybody for whatever reason, and will allow ANYBODY to open an account under your identity without proof. They will then force you to claim ownership of anything made under your name, but due to discrimination, they will not allow you to gain access to information, submit fraud claims against problems, nor will they treat you with respect during customer service calls that you 'll have to place weekly for 7+ months before seeing ANY progress made. Do n't worry out of curiosity, even after all that, you 'll still leave with unsolved problems, Recently hired a lawyer to consult me through my problems with Identity theft and I 'm finally figuring out who was helping my name become compromised! Netspend has recently had to send multiple checks to me in order to refund MY money that was placed in their " bank '' with trust. It to over 7 months ( and weekly unsatisfactory phone calls ) to receive {$590.00} of my remaining balance after they decided that closing out accounts with money still in them, Lying MULTIPLE times of the whereabouts of MY money and treating me with utmost disrespect and condescending nature about fraudulent accounts opened under my name with no verification process would be easier than just doing what real banks do and VERIFYING IDENTITIES, I called to ask for information. Since I have been fighting Identity theft for quite some time now, I 've dealt with multiple companies, but Netspend was the first to know when I reported fraud before I even knew what was happening and yet, they seem too eager to hire inadequate employees who ca n't verify your information, but can allow an account to be opened without your knowledge, approval or authorization. They allowed FIVE accounts to be opened under variations of my name. Some of which, did n't even have an email address, but were pinned to my name and " verified '' with my STOLEN ssn. It 's crazy how little security goes into opening accounts, but they have all the security in the world to protect information used to commit fraud.
Product: Credit reporting

Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions.
Product: Debt collection

Date Opened XX/XX/2018 Amount reportedly owed- {$4800.00} This down payment for this vehicle was never paid in full. and for that matter, this account is a fraudulent account. Addresses ', balance, are inaccurate along with other information.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my XXXX XXXX that I don't recognize, I did not authorize this nor given consent to the company to pull up my XXXX XXXX. It is stressing me and making me anxious on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report. Equifax stated that they fixed this issue with my report. I have a score with XXXX and XXXX but not with Equifax. On my Equifax report, there is no accounts or score on my report. Nothing is being reported. I also contacted all of the creditors and they are reporting all of my accounts. My credit profile with XXXX is blank which is incorrect. As a result, this gets me denied when applying for a credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN
15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

3-4 calls each day. Repeatedly asked to please stop calling. They continue to call 7 days a week. Currently making an effort to pay on debt. Please make them stop harassing me.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

received car loan from XXXX ended up receiving unauthorized mortgage inquiry as well as several auto loan inquiries.
Product: Debt collection

I received numerous phone calls from a number that kept hanging up, to both my home and my cell number. I finally got the person to speak. They are a collection agency, and had the wrong address, and wrong name, and were attempting to collect a debt, which was not mine. They assured me that they would not call again. I then received a notice from XXXX credit report that my credit score went from XXXX to XXXX, and that I had a collection against my account through Credence Resource Management. XXXX filed a Fraud alert and told me to contact the collection agency and the Federal Trade Commission. I did contact the collection agency, and they are sending fraud documents to me. They have an address in XXXX NY that is not mine. My ex-husband 's sister lives in XXXX NY and she has the same first name as I do. When I was married to her brother, we had the exact same name, but that was over 15 years ago. The collection agency stated that the person who they had the collection against used my social security number. I had an almost perfect credit score, and now it's ruined. I take care of my son who has XXXX XXXX. My life is very sad and very busy. This is the last thing I needed. I was told to file a report here as well. In the future, is there a company I can trust to pay for fraud protection? I now trust no one.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Mortgage

Account # XXXX XXXX XXXX XXXX XXXX On XX/XX/2020 we sold our home, which Bayview Loan Servicing was servicing our mortgage. At the time of the closing, we had {$5500.00} in an escrow funding account for taxes and insurance, which is to be refunded to us, as of the date of the home sale.

We have contacted Bayview Loan Servicing multiple times, regarding our refund. They acknowledge the amount to be refunded. However, as of today, we have not received our money. Bayview Loan Servicing keep sending us letters that they have refunded our money. Yet, we receive those letters, but, have yet to receive our money. 

We are requesting our {$5500.00} which is owed to us by Bayview Loan Servicing. This company has been nothing but trouble throughout the life of our mortgage. They have very poor customer service, and are rude at times. We are a retired couple ( over XXXX ), seeking to get our money from our escrow account. Thank you for your prompt attention into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after returning from over 4 years XXXX XXXX XXXX XXXX XXXX XXXX charged me {$1400.00} in error, and despite numerous representatives telling me that the charge would be removed, it was never deleted from my account. I tried to get the attention of a supervisor or empowered representative from XXXX over ten times of several hours on the phone to ensure they followed through, but eventually I gave up and decided to go with another provider. Recently, despite an XXXX XXXX XXXX, I was denied a credit card because of a single negative mark on my credit from XXXX. I disputed the negative mark with Experian twice and each time they apparently conducted an investigation, but no information on the legitimacy of the charge from XXXX was provided to me and instead the negative mark continues. I do not want to have anything to do with XXXX after this colossal waste of my time trying to fix this error, but I still need this to be removed from my credit report. XXXX is famous in online reviews for being difficult to reach and unwilling to fix legitimate customer billing errors. XXXX representatives promise that errors will be fixed, but then do not follow through and the customer is left with the onus to either just pay, or have to call and explain the situation again and again.
Product: Bank account or service

I have been excessively charged throughout my time add a customer of Wells Fargo. The amount in overdraft fees I have paid exceed {$1100.00} to date. Recently they have " reordered transactions '' in order to impose a overdraft of an item that is automatically debited each month, first of the day. I check my balance regularly to prevent any mishaps. This particular item was later reordered after another checking my balance notice no pending transaction, and available funds, in order to make a transfer into a family member account. Again I check my account and notice a negative balance because the reorder, I then go and make a deposit to cover account in arrears in cash. Though trying to prevent fees, this Result in a fee incurred. This is a business account, which have merchant deposit directly into the account. I receive notification of monies deposited on the same same day in discussion. however, Wells Fargo Bank fail to show this deposit or recognise this transaction in order to impose fees. Upon which Wells Fargo Bank decided to overlook that and charge me anyway. This is a summary of the latest incident which occurred XXXX/XXXX/16. I spoke to associate about reversing and to explain practice, which he denied any bank error had occurred and denied my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries that am not aware of an thats a violation of consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Hard inquiries thats am not aware of and thats a violation of my consumer rights XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ ] XXXX XXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,
Product: Mortgage

To whom it may concern, My grandmother passed away in XXXX 2023 leaving a reverse mortgage. The reverse mortgage company was very difficult to work with however we finally managed to pay the loan back. They gave us a payoff amount of {$170000.00}. We secured the a new loan and wired funds to the company on XX/XX/. The reverse mortgage company received the total amount requested and released the lien on the property. On XX/XX/ we received a check stating that we overpaid by {$830.00}. The check was made out to the wrong person and the mortgage company is refusing to reissue the check with the proper name of the person. Please help me.
Product: Student loan

I do not acknowledge this debt and respectfully request the United States Department of Education remove this debt from my records. XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full which I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who improperly report debts to credit reporting companies. The original Student aid servicer was XXXX.Studentaid.gov indicates my loan servicer as Dept of ED XXXX. XXXX indicates that a Direct Consolidation Loan Application and PSLF was submitted on XX/XX/XXXX. It indicates the consolidation disbursement on XX/XX/XXXX of {$36000.00} for the consolidation and now shows a balance of {$46000.00}. Default resolution Group say {$47000.00} owed. US Dept of Ed Debt Management and Collections myeddebt.ed.gov shows a last payment of XX/XX/XXXX. XXXX XXXX at XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. I assumed from my PSLF or by President Bidens Loans Forgiveness. Credit reports indicate that since late XXXX that this account was current or paid as agreed which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full. Now the US Dept. of Education is indicating to the credit reporting companies that this account began in XXXX of XXXX, that I am in default and they just changed the balance again lowering it between XX/XX/XXXX and XX/XX/XXXX, by {$250.00} from {$46000.00} to {$46000.00}. 

All of these fluctuations, changes and inaccurate information keeps my credit scores and reputation bouncing back and forth and the stress is damaging my mental, physical and financial health! Again, I do not acknowledge this debt as XXXX issued me a letter dated XX/XX/XXXX stating the loans were paid in full. Credit reports indicate that since late XXXX that the US Dept of Ed has been reporting that this account was current or paid as agreed ( Example See " XXXX  Terms met '' & " XXXX XXXX reporting '' attachment ) which would confirm my stance about the XXXX XXXX letter from XXXX issued XX/XX/XXXX stating the loans were paid in full.