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

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX power energy account # XXXX, XXXX account # XXXX, XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is an unauthorized reporting from Synchrony Bank on XX/XX/year> that I did not recognized.
Product: Credit card or prepaid card

Per FACTA and the Furnisher Rule, furnishes have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number # XXXX, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Credit Card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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/year>
Product: Debt collection

Eastern Account Systems knowingly, willfully, and intentionally filed a FRAUDULENT report with all three credit bureaus, falsely claiming I owed {$210.00} to " XXXX XXXX. '' This claim is a blatant lie. 

Their defamatory statements have severely impacted my credit score, costing me a {$15000.00} deposit as I am now unable to close on a loan. Litigation is pending, and I will seek full reimbursement for the damages caused by their criminally libelous actions. 

Moreover, Eastern Account Systems is currently conspiring to harass and psycho-call me several times an hour from multiple, untraceable phone numbers. These ghost calls are clear violations of the FDCPA, and each call has been meticulously logged. The pending litigation will seek a {$1000.00} fine for each harassing call.
Product: Debt collection

This creditor just posted multiple false dates and late payments to the credit bureaus. They are showing my last payment as XX/XX/XXXX and I have bank statements showing no such payment was ever made. They also reported three years of late payments at once this year when nothing has changed on the account since at least XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Equifax mortgage service-inquiry on XXXX XXXX XXXX XXXX inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Product: Student loan

I am a full class member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

My loans were consolidated from XXXX in order to qualify for XXXX and the servicer of those consolidated loans was XXXX XXXX. I made monthly payments to XXXX XXXX beginning XX/XX/XXXX until XX/XX/XXXX when payments were haulted for XXXX. 

XXXX XXXX went out of business and Mohela became the servicer of my consolidated loans. During this time, the XXXX  requirements were changed and I became eligible for loan discharge via the XXXX program. My loans were XXXX and even though Mohela was my service provider, I never made any payments to them because of the discharge and the covid repayment pause. 

Regardless of the discharge, I am due a full refund for payments made towards these loans as stated in the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX had no issue giving me a refund within a couple months of the court case. Mohela, on the other hand, has done absolutely nothing and we are well past a year now. 

I am making a very simple request of Mohela. They are the servicer of my loans and I need them to go through my loan history ( specifically XXXX XXXX payments as they are no longer in business ) and go through the process of issuing me a refund for all payments made. This isn't XXXX XXXX I have gathered all dates and payments made to XXXX XXXX from my bank statements and it took MAYBE XXXX minutes. 

Mohela is dragging their feet with this case and have been taken back to court recently. According to the latest lawsuit information ... If you have Direct Consolidation Loan ( XXXX ) that include your XXXXrelated debt and you have not yet received a discharge, then you should expect to see those loan balance ( s ) discharged in full by XX/XX/XXXX. By that date, the Department is also supposed to send you a refund for all amounts you paid on your most recent consolidation loan ( XXXX ). 

I am sure they will miss this deadline too. Any help would be greatly appreciated.
Product: Mortgage

Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.
Product: Consumer Loan

ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.
Product: Debt collection

On XX/XX/2021 I was admitted to XXXXXXXX XXXX XXXXXXXX XXXX for some XXXX XXXX XXXX XXXX XXXX  for 24 hrs. I was XXXX on the next day being the XXXX. The issue I'm having with this bill is that I'm on state medicaid. After a thorough investigation and speaking with over 6 different departments including XXXXXXXX XXXX billing department no one can really explain why I was actually billed. I have NO financial responsibility to this bill being on medicaid. My insurance company ( XXXX XXXX XXXX has explained twice to me that this bill was requested to be fixed and there was no response by the XXXX to correct it. It was explained to me that the code for billing was entered wrong and I have no involvement in this matter. Because this bill is over 3 years old by law it shouldn't have been placed on my credit report to collect a debt where the state holds the financial responsibility ( XXXX statement ). As of date XXXX XXXX has no record of a open debt and has resolved all financial issues with XXXX XXXX. After I spoke with there billing department they also confirmed I have no outstanding balances for XXXX XXXX XXXX XXXX  since my insurance has already paid. Doing this 3 years later when all they had to do was submit a new bill to my insurance back in XXXX is absolutely ridiculous. I feel like I'm being taken advantage of in this situation. No one has answers and no one can fix a problem that no can see or find. It's the word of state collections agency against mine. I have no way to defend myself in this and they are ruining my credit. I am in XXXX XXXX and this is just devastating. I have NEVER had a bill from any state for care at a hospital when on medicaid. I don't understand why they would wait this long to submit a bill then throw the bill at me. I have no responsibility to pay a bill that is covered fully by my insurance company. I want this to be removed from my credit report. This is adding additional hardships to my life in a very trying time for me. I'm asking that someone advocates for me because I've run out of options. Especially since I can't get a straight answer from anyone on why I was put into collections after all this time. XXXX XXXX has followed up with any correspondence with any bill should be with them not me. Please help to remove this account from my credit.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized credit inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.
Product: Student loan

NAVIENT misled student loan borrowers, in various ways. Using deceptive business practices and lending techniques and predatory lending.
Product: Debt collection

I'm XX/XX/19 I received an alert from on XXXX from Midwest recovery System bringing my score down 30 points. This company I never heard of not never received a notice saying that I owe them. I check and monitor my credit report on a daily basis. This report was sent on XXXX. This is not my debt I do not know who these people are. I will contact an attorney regarding this and how they handled this illegally.
Product: Vehicle loan or lease

Vehicle was purchased in city where I do not live. Wasnt present for purchase and isnt sure how this transaction took place exactly but I was not apart nor did I sign any documents. I have filed a police report pertaining to the matter which I was advised by a relative that my sister XXXX XXXX possibly used my info. I filed report of identity theft with her listed as possible suspect. At time of purchase I had open loan with XXXX XXXX which I drove an XXXX XXXX XXXX. I presented all required documentation to Santander for investigation which they are stating that they will not remove from my credit. I have disputed report but nothing is changing. I was also an employee of Santander call center which I had to list my vehicle for registration to park on property, Ive asked for them to pull that information from their Human Resources dept but they refuse to. Also address listed of purchase Ive never resided there which due to purchase it was added to my credit.
Product: Student loan

I took out a {$450.00} loan from bright lending and the interest rate is XXXX per month for 19 months which is about 700 % interest rate
Product: Credit reporting or other personal consumer reports

XXXX reported my payments 30-60 days late before it was even possible for me to be that late. Like reporting me 60 days late in XXXX when every payment through XXXX was paid prior to XX/XX/XXXX. This is after they promised me that no late payments would be reported during a XXXX natural disaster that XXXX approved me for & told me not to make any payments. When I contacted XXXX, but they keep sending some nonsense letter that withholds what they promised & blatant lies. Theyve sold my account to XXXX XXXX & will be finalized in XXXX. So, when I call XXXX tells me that theyre understaffed & unable to assist me, & for me to ask XXXX XXXX XXXX fix XXXX mistakes. Its just INSANE! Their disregard towards my account & me is hurtful & unethical. I just want my credit fixed. They at least could do that after everything theyve put me through!
Product: Checking or savings account

I was solicited to purchase a certificate of deposit from JP Morgan Chase. The agent who made the offer promised to act on my behalf in the management of this account. when this certificate matured, I was given the option to roll it over or to cash it in I chose to cash in. the bank, moved forward and cashed in the certificate two days before maturity, which cost me most of the interest that I had accrued. I did not authorize the early withdrawal.
Product: Credit card or prepaid card

Please be advised that XXXX XXXX , XXXX ( XXXX ) disputes the charge of {$15000.00} under American Express Corporation Chargeback Dispute Case numbers XXXX and XXXX. 

American Express Corporation ( AMEX ) did not properly investigate this dispute, if it had, the case would have been decided in XXXX favor. The documents provided to AMEX by the Merchant, XXXX XXXX ( XXXX XXXX ) under case number XXXX were not relevant to the chargeback case. If AMEX reviewed these documents the conclusion would be been a refund to XXXX. 

XXXX purchased booth space from XXXX XXXX for a 440 squarefoot booth # XXXX at the XXXX/XXXX/XXXX XXXX in XXXX XXXX, California. XXXX XXXX without any notice switched XXXX to a smaller, inferior booth location ( 200 square feet vs 440 square feet ) without any authorization or consent. XXXX filed its dispute with AMEX. 

The documents provided by XXXX XXXX were for an exposition in XXXX, XXXX to take place in the future on XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX rather than the exposition that took place in XXXX XXXX, California, USA, which took place from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and was the basis for the charge of {$15000.00}. 

On XX/XX/XXXX, XXXX representative contacted AMEX and spoke with XXXX ( Employee #  XXXX ) who stated that he was a manager at the dispute center ( XXXX ), to inform AMEX that the supporting documentation uploaded by XXXX XXXX was not relevant to the dispute at issue because it related to a completely different exposition, on a different continent, that had not even occurred. XXXX was able to view the deceptive documents and reopened a new dispute. XXXX was sympathetic and believed it was probably just overlooked and they would get it right this time. 

On XX/XX/XXXX, AMEX opened a new dispute, case number XXXX, for the chargeback amount of {$15000.00}. Again, XXXX XXXX submitted the same, misleading and deceptive documents used in case number XXXX. 

On or about XX/XX/XXXX, AMEX, again decided the chargeback dispute in favor of XXXX XXXX. We believe that AMEX did not conduct a reasonable investigation into this matter and is now attempting to collect a fraudulent debt. 

OnXX/XX/XXXX, XXXX again called AMEX to dispute this transaction and to point out the lack of investigative effort by AMEX. XXXX also informed AMEX that it will not pay, or be held liable for this amount, financing charges, or collections charges/attempts until resolution of this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD, XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Document Date : XX/XX/XXXX CHEXSYSTEMS, INC Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT ( S ) DELETION LETTER OF IDENTITY THEFT & FRAUD To Whom It May Concern : I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems 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 I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT THEY WERE OPENED FRAUDULENTLY! IMMEDIATELY!. 
IF THESE ACCOUNTS ARE NOT DELETED I WILL SUE! 




FRAUD CHECKING ACCOUNT XXXX : XXXX XXXX XXXX  Account Number : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 2 : Bank Checking Account : XXXX XXXX XXXX XXXX Account XXXX : RTN/ACCT # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 3 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : XXXX # : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 4 : Bank Checking Account : XXXX XXXX Account Number : RTN/ACCT XXXX : XXXX / XXXX delete it from my CHEXSYSTEMS REPORT FRAUD CHECKING ACCOUNT 5 : Bank Checking Account : XXXX XXXX XXXX XXXX Account Number : RTN/ACCT XXXX XXXX XXXX XXXX XXXX delete it from my CHEXSYSTEMS REPORT PLEASE UPDATE MY CHEXSYSTEMS CONSUMER SCORE IMMEDIATELY AFTER THESE ACCOUNTS ARE DELETED!!!!!! 








Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a call today that was " unknown ''. They called 3 times in a row and left a message that I had been " served ''. I managed to catch the third call and was given a phone number ( XXXX ) and a case number ( XXXX ). The male I spoke with informed me that a civil action has been filed against me by XXXX Mastercard which I had from XXXX, saying that the complaint states that I got the card with the intent to defraud. First of all, this debt is XXXX years old. Secondly, I filed bankruptcy a year ago. He said that the debt was something like XXXX XXXX dollars. There is no way the credit line should have been this much. XXXX  was sold to LVNV LLC, a debt buying agency. I researched this, can not pull up a phone number to match that above, but did find that the FTC had a case against the company that issues XXXX and the FTC won. As a result, there is an injunction against them filing anything on consumer 's credit reports. 
I don't anticipate any further action, but felt that I should report this as it has probably happened to others. Thank you for your attention.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - email came in to send off documents XXXX XXXX XX/XX/XXXX- replied with info asked XXXX XXXX XX/XX/XXXX - followed up with a telephone call and spoke to XXXX and was told the case would be escalated. 
Heard nothing for XXXX hours XX/XX/XXXX - follow up call again around XXXXXXXX XXXX talked to XXXX was told it would take some time. told him this was unacceptable when I have done nothing wrong nor illegal
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is CAPITAL ONE AUTO FIN Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.