23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally reached out XX/XX/year> reporting the inaccuracies on my account and providing a FTC identity theft report for the creditor. You stated a drivers license was required to complete the process but you have not shown proof of the drivers license presented at the time. FTC reports nearly XXXX XXXX dollars lost to fraud each year. That number is not fictional. My identity theft report was not taken seriously, and when given the opportunity, the " comments '' section was not updated as " identity theft '', nor was there any acknowledgement of my dispute. Attached are the responses from the original creditor alleging I provided a drivers license, which can be obtained illegally by criminals wishing to steal someone's identity. What's more is the account alleged to be mine isn't even reporting accurately. How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. Transunion 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. I have waited a year and disputed this multiple times with a paper trail being left in my favor. Depending on the outcome of this dispute, please understand that I am intending to sue if my report is once again neglected. please see the attached images and files for context.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inquiries attributed to your company that I do not recall authorizing. As I understand, such inquiries should only appear on my credit file with my explicit consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

For the last few months I continue to try to access my free annual report but TransUnion online platform never works and constantly gives me errors. When I contact support they give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed XXXX XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which Im current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTotal XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit card

I ordered a riding lawnmower online from Home Depot approximately XX/XX/year>. I received the riding lawnmower on XX/XX/year>. Home Depot refuses to remove crate. There are no instructions. Home Depot stated just have a couple male friends over and they will know what to do. REALLY. They did not know what to do and could believe Home Depot refuses to remove it. Nobody so far knows how to remove it. I can not use it. Home Depot can remove the crate or issue me a credit of {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.
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 XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : 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, credit repair services, or other personal consumer reports

I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
Product: Debt collection

The company ATG Credit, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, on behalf of original creditor XXXX XXXX XXXX XXXX claims that I owe a past due balance of {$110.00} to the original creditor of XXXX XXXX XXXX XXXX The collection was opened on XX/XX/XXXX of 2020. I have no knowledge of the debt whatsoever besides the simple information that my credit monitoring service provided me. Furthermore, I am not familiar with XXXX XXXX XXXX XXXX  or ATG credit. I have not received any notification by phone or mail of the debt in question and these companies do not have a contact with my signature.
Product: Money transfer, virtual currency, or money service

PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY TD BANK FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. 

HAD TO RETURN TO TD BANK AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY TD BANK AND WELLS FARGO. 

WELLS COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM WELLS AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE WELLS ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD.

2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER.

3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. 

BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$830.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balanced {$1300.00}
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX, I WAS A VICTIM OF BURGLARY TO MY VEHICLE. DURING THAT TIME MY WALLET GOT STOLEN. A YEAR LATER I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. UPON DISCOVERY I REALIZED MY IDENTITY HAVE BEEN USED. I DISCOVER AN ACCOUNT WITH BRIGHT STAR CREDIT UNION THAT I DID NOT KNOW ABOUT. I TRIED CALLING AND A PERSON TOLD ME THAT BECAUSE THE SCAMMER HAD ALL MY INFORMATION IT WILL BE HARD FOR BRIGHT STAR TO RECOGNIZE THAT ACCOUNT AS FRAUD. I WOULD LIKE FOR THE ACCOUNT TO GET OFF MY CREDIT REPORT.
Product: Mortgage

I am attempting to work with my mortgage company, Guild Mortgage, to defer my home loan for a few months while COVID affects our entire country. The options given to me by Guild Mortgage were to special forbear my loan, which would cause all the amounts forbeared to be due at the end of the special forbearance. I'm unsure how this is even a option, as if I can not pay my monthly mortgage at the beginning of the month then how am I supposed to come up with a sum total of those amounts at the end of forbearance period? Especially considering the vast impact of COVID, Guild should absolutely be working more with their customers to work through this situtation.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> Checkr, a background check company whom I have no contracts with or affiliation with is reporting false and frivilous reports against my NAME. I'm applying for work to feed my loved ones and they have information on the background report from XXXX XXXX, CA which the principle ( XXXX XXXX XXXX ) has never been in any disputes or criminal activity involving case number XXXX at XXXX XXXX XXXX XXXX XXXX. The charges they are showing are : " UNLAWFUL TO DRIVE UNLESS LICENSED '' and " WILLFULLY DISTURBS ANOTHER PERSON BY LOUD AND UNREASONABLE NOISE '' ( both of which is false and not related to the Principle-DEMARIO XXXX XXXX XXXX XXXX 

XXXX Issue : The XXXX, XXXX  " OBSTRUCT GOVERNMENTAL OPERATIONS '' at the DISTRICT COURT OF XXXX XXXX. This court lacks jurisdiction and failed to show their lawful judicial authorization and authority and/or delegation of authority from XXXX showing XXXX have the jurisdiction to administer the Estates of XXXX XXXX Nationals. I am not a XXXX XXXX, Black or Africans american ( see XXXX documentation ) which is another reason the foreign and private DISTRICT COURT OF XXXX XXXX lacks jurisdiction. 

Attached to back my claim : Writ of Error sent to DISTRICT COURT OF XXXX XXXX, XXXX Documentation, Name Correction/court ordered, CHECKR report
Product: Student loan

On either XX/XX/XXXX or XXXX XXXX XXXX 2017 ( I can not remember the exact date ), I called Sallie Mae to discuss why I received no e-mails or letters or phone calls about my forbearance ending and my payment being late. After that issue was resolved, I learned that I might qualify for a program to help lower my payments since I am going through a lot of health issues and am not even allowed to work full time because of my health issues. I talked to a representative and he took my information and I answered all of his questions and then he said he would need to talk to my consigner. On XXXX XXXX XXXX 2017, my consigner called and talk to a representative who was quite rude to my consigner who is also my mother and I do not appreciate that. During that call, my mother described how the representative tried to convince her to ask people who have nothing to do with the loan to make the payments on our behalf and that is 100 percent uncalled for. This loan is between me and my consigner and has nothing to do with other family members and friends. When I called on the same day, after my mother, I was told that I did not qualify for any program because it could not be guaranteed that I could make a lower payment so I would have to make the full payment that we can not afford now. If Sallie Mae acknowledged that I might have a tough time making a lower payment, how do they expect me to make a higher payment.
Product: Debt collection

This company ccs collections is saying I owe a debt of {$150.00} this is not my debt I have not received any notice of debt or proof by mail that this is my debt.
Product: Checking or savings account

Chase Bank will not return the money I have in my checking account. There was a problem with a deposit. I was told that the person who made the deposit into my account had to bring identification to a Chase branch. I was told to do the same. The person who made the deposit has disappeared. I am the victim of a scam. I explained this to many Chase reps & managers. I dont want the deposit! I want my money released and my accounts closed. I dont believe Chase has the right to keep my money. Chase was not hurt by this transaction, I was. Now I am further scammed by this bank. I want this resolved! Its been going on since XXXX.
Product: Debt collection

A collections agency - All Debt Solutions , Inc . Keeps reporting that I have a debt to the credit bureau. I reached out to them XXXX months ago to validate the XXXX and they have not responded. I just submitted another letter to them and hope they will reply. I can not identify the debt. I have no consumer debt of that amount ( see attached ) and I refuse to pay what I can not validate. I need the account removed from my credit report immediately if they can not validate that debt. I have no proof of the debt. This negative account has been affecting my credit report and I need it to be validated with the original contract and proof that the debt belongs to me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. Southeast Toyota finance was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently looked at my Credit report XX/XX/year>. I saw some hard inquires that do not have permissible purpose. 

I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I request that you promptly remove this unauthorized inquiry from my credit report. 

XXXX XXXX, Date of inquiry : XXXX XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX  XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX XXXX, Date of inquiry : XXXX
Product: Checking or savings account

I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!
Product: Mortgage

Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. 
Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed the inaccuracies listed on my Experian credit report from XXXX XXXX on multiple occasions. In XX/XX/XXXX, I disputed the late payment history from XXXX and the inaccuracies that were being reported. Experian responded to the dispute as account updated ( proof attached ), but the late payments were not removed from my account as requested nor was the account updated from what was reported previously. Additionally Experian has XXXX XXXX XXXX Date of Last Activity reported as XX/XX/XXXX, whereas XXXX has the Date of Last Activity reported as XX/XX/XXXX ( proof attached ). This XXXX XXXX account has been re-aged, which Experian has to delete account for being in violation. Also the payment status is reported inaccurate, Experian has the account listed as Current, was Past Due 60 days, but XXXX has it reported as Paid or Paying as Agreed ( proof attached ).