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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.
Product: Debt collection

I was contacted by Weinburg mediation group about a month ago they threatened to take me to court if I did n't pay them. We do n't have alot of money to give they said if I did n't agree to an amount they suggested I would be sued I made 2 payments and ca n't pay what they want so one payment has n't been made they are still threatening me to sue. Last call was XXXX/XXXX/17. They are also contacted my ex step mom which she has nothing to do with any of my debt.
Product: Checking or savings account

On XX/XX/2019 a withdraw of my personal checking account was authorized without my permission. I was hacked and had to change my account number. The total was {$2900.00}. The name appeared was XXXX XXXX and XXXX XXXX on 3 different transactions. I was not the one making these withdraws and would like my money back. Thanks XXXX XXXX
Product: Mortgage

Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.
Product: Debt collection

Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX. This address belongs to Georgia XXXX XXXX XXXX. 
Sequium Asset Solutions , LLC Sent a bill in attempt to collect a debt of {$100.00} claiming to represent XXXX XXXX XXXX Date of letter : XX/XX/23. I contacted XXXX formerly charter communications directly. I am not an account holder. Spectrum has no knowledge of this alleged account and does conduct business with the debt collection agency XXXX XXXX XXXX, XXXX. This information was verified by XXXX customer service and billing department. This is a fraudulent attempt to collect a fraudulent debt.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XXXX, 2018. Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. Experian fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.
Product: Credit card

I was contacted by someone claiming to be an Amex fraud and complaint representative. I am writing to confirm that the person that I spoke with is in your employment They identified themselves as XXXX XXXX ID # XXXX XXXX and gave me the document number of XXXX to track my case. 

I was told that an unauthorized account was opened in my name through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The representative asked me to get a police report from the XXXX police but I was not able to because they did not have a translator available. I was told that the card could not be terminated without this report. I was told to send it to the above address. 

This case was brought to my attention because a purchase for XXXX was attempted. That transaction was denied but I was told that the card is still active. If there anything I can do to make sure that this doesn't continue?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reporting noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize nor did I authorize these accounts. If I may speak freely. It angers me that an individual would steal my personal information to seek medical treatment. I have no knowledge of the listed facility. I'm hoping the this facility will be forced to provide documentation/proof of some sort so that I may prove this was not an action of mine so that this fraudulent account may be removed from my credit report.
Product: Checking or savings account

I went to the Chase bank ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) on XXXX XXXX to deposit two checks issued from the IRS ( one for {$210.00} and the other one for {$160.00} plus {$45.00} cash ) through the drive thru, to my bad luck the ATM ate everything and nothing was deposited. The only thing I got was a receipt with a phone number to call. I called back the next day since XX/XX/ was a holiday. Chase bank opened a claim to investigate this issue and then they have to close the claim on XXXX because they asking me for proof of the checks. How can I provide proof if the ATM ate everything. Also they dont want to reimburse the cash because they dont have proof. My question isnt the banks log all the info from that day? If they do I think they are doing an horrible job. I would like these matter solve because I need these money
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Checking or savings account

In 2013, I open a M & T account for direct deposit. Without notice, a lawyer somehow put a freeze on my checking account. I was n't aware of the freeze until I went to use my check card. I was not given any notice that my account was going to be put into a freeze status. After I went to court and explained to the judge what happened, he released the freeze from my account. I closed the M & T checking account because I was not happy with the way they put my account into freeze without letting me know first. Later, I was charged by M & T bank for extra fees for some very small unauthorized charges. I 'm not sure what these charges for or why they were put on my account, but I was held accountable for them being charged {$38.00} fee on a {$1.00} charge, etc. This was done three times for very small charges. I was n't made aware that I had a balance until I went to have my name added to account with my husband at XXXX XXXX this year. XXXX XXXX would not allow me to establish a joint checking account with my husband because they said I had an outstanding amount to pay at M & T. I need these charges to be investigated because I feel they were unrightfully charged against my account at M & T and wrongful bank fees were applied giving me a negative rating with XXXX XXXX  for minor unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries related to this breach. 
Fraudulent Accounts : XXXX XXXX XXXX  Date : XXXX Amount : {$00.00} XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount : {$410.00} XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount : {$660.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i received a default letter of an amount I owed of which was a total of $XXXX of which there was a Charge of $XXXX in purchases that i questioned and stated were not made.  Synchrony Bank review purchases thru XX/XX/XXXX and could not tell me where they came from.  That day they started a dispute file and stated to me it would take 30-60 days to resolve.  Since then i have spoke to them every week XX/XX/XXXX spoke with XXXX and stated its was under dispute and she noted it would take 30-60 days to resolve.  XX/XX/XXXX spoke to XXXX she stated there was a resolution for which I never received in the mail which was stated to me and they had to reopen  because they did not see it resolved and again would take 30-60 days. every week since them i keep reminding them the account is under dispute and until the purchases that were not made are resolved the bill would not be paid.  as of today, XX/XX/XXXX the resolution still has not been acheived and they still have not answered the request of where the original purchases came from.  I speak to them still every week.  they stated the week of XX/XX/XXXX a letter of resolution was sent out, but the letter i received was agian just a past due notice with no resolution.  they keep reporting me as past due and keep sending me late payment fees but still have not answered my questions.so i am looking to this  organization to assist in moving this dispute forward and get it resolved.
Product: Student loan

My federal student loans were forgiven by Mohela in XX/XX/XXXX. I waited 90 days for my credit report to show that the loans were paid in full and in good standing but as of XX/XX/XXXX, they still show a balance.
Product: Debt collection

I filed a dispute about this debt and it was denied I have no knowledge of this debt from EOS CCA For XXXX the original creditor is XXXX XXXX. Any information would be helpful
Product: Mortgage

In 2012, Wells Fargo strung us along for almost a year, telling me the loan modification for our home mortgage was approved but then kept saying we need more paperwork... it was a game they played until the time ran out. 
I have a very thick file of all our correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understanding, you will investigate the following account to ensure its accuracy. The account that I am asking you to verify and validate : Account Name : XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.
Product: Debt collection

RECEIPT OF UNREQUESTED XXXX XXXX XXXX VALIDATION LETTER AFTER STATUTE OF LIMITATIONS EXPIRY On XX/XX/XXXX, I received a telephone call from Transworld Systems Inc representing XXXX XXXX XXXX XXXX XXXX  ). The collection agent told me that I owed money for a private college student loan. I stated that I knew nothing of this debt, and that I had never received a private student loan in college, the conversation ended shortly after that. At no time during the conversation did I request a validation of the debt. 

On XX/XX/XXXX, I received a 46-page debt validation letter that I did not request for a loan that is 7 years past the statute of limitations. 

Upon reviewing the document sent to me it showed that the loan defaulted on XX/XX/XXXX, and according to the Washington attorney generals office the statute of limitations has expired for this type of debt.
Product: Debt collection

Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. 
I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.