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

This is not a duplicate. 

I am complaining regarding violations of law by XXXX.

XXXX  reports to my credit file, account number XXXX, and is the furnisher. 

XXXX, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

XXXX, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, XXXX card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Product: Debt collection

Ive gotten between one and seven calls, usually leaving automated messages, every day for months. Ive had to pay for a service to block the automated calls.
Product: Credit reporting or other personal consumer reports

I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX XXXX which i never purchased
Product: Debt collection

PLEASE HELP ME THESE ACCOUNTS ARE FRAUD AND THIS SITUATION IS VERY STRESSFUL
Product: Debt collection

Capital One -Account # XXXX A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations . According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request Capital one & the CFPB 's assistance in reviewing the status of the charged-off amount associated with my account. 

IRS Publication 4681 Cat. No. 51508F Chapter 1
Product: Credit reporting or other personal consumer reports

I contacted my Capital one in regards to them not reporting my account information to XXXX and I contacted XXXX and let them know they werent making my capital one account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my capital one account or my credit line on XXXX. Capital one, 30 days later said they are providing the information, but theyre not because XXXX is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. Capital one is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.
Product: Debt collection

XXXX was paid in full few years ago still actively reporting on credit!
Product: Credit reporting or other personal consumer reports

Upon checking my consumer file from Equifax that the accounts that are reporting are not reporting accurately. They are reporting old outdated information which is not current and up-to-date the balances are incorrect and the dates that they should be reporting should be this month of XX/XX/year> what they are reporting is months old data which is not fairly representing the accuracy of My consumer report there are XXXX accounts from premier credit card and XXXX accounts from credit XXXX Bank that is not reporting accurately as well as the credit limits please investigate and update
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault
Product: Checking or savings account

On XX/XX/XXXX a full account XXXX transfer took place to which my entire portfolio was sent over to another brokerage. Shortly after, {$2.00} remained in the account from XX/XX/XXXX to XX/XX/XXXX - despite me informing the brokerage that they should send the funds either to the address on file or via ACH transfer. I was unable to do so since I verified with them that the account was closed XX/XX/XXXX. 

Fast forwarding to XX/XX/XXXX - a distribution in the amount of {$14.00} was made into my closed account. On XX/XX/XXXX there was a {$10.00} fee imposed followed by another on XX/XX/XXXX. And on XX/XX/XXXX - a distribution of {$110.00} was made into my closed account. On XX/XX/XXXX there was a {$10.00} fee imposed. Since I had time to notice the deductions, I re-informed the brokerage that I would like all distributions of this closed account be sent to the address on file in the form of a check. 

However, they had refused, informed me that the only way I can transfer these funds out is to re-open the account and then make a transfer. While hesitant to do so ( given the technical glitches I previously encountered with their platform ), these funds were substantial, so I requested that they re-open the account. After going back and forth for some time, I finally requested an ACH transfer of the remaining funds.
Product: Credit reporting or other personal consumer reports

Unauthorized injuries made on my credit report : XXXX  The following accounts reviewed my credit without my knowledge. 
JPMCB XX/XX/year>, XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

They call my phone numerous times between XXXX and XXXX. I have told them to stop calling and sending letters and they refuse to do so!
Product: Payday loan, title loan, personal loan, or advance loan

I have never obtained nor tried to obtain a title loan or any loans at all in the past.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in XX/XX/2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called XXXX  and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I have a XX/XX/XXXX XXXX XXXX that I purchased from Auto Connection in XXXX NC. In XX/XX/XXXX. It is financed with Michael Wayne Investment. There are some unresolved repair issues that is a ongoing issue sense I bought the car. I bought a extended Warranty and took the car in to be repaired in under two weeks after i bought it. The repair shop replaced a broken motor mount and transmission mount and told me the car was fixed but when i left the shop it still had the same problem. After taking it back to the dealership several times the issue never got diagnosed because of lack of concern by the dealership and their service manager, XXXX. XXXX was very rude and impossible to work with. I contacted Michael Wayne Investment out of frustration. It was at that time I was instructed by XXXX XXXX to stop making my payments until the repairs were resolved. So I did not make the payments. I started to get calls from their automated service everyday XXXX to XXXX times a day. I noticed when i would get in my car I heard a anoying beeping. Then my car would not start because they had it turned off by past time. Then because the repairs still have not been made XXXX XXXX started asking me when I am going to make my payment. So I started making the payments again, but because XXXX XXXX told me not to make several payments they are still calling me even the day after I make my regularly scheduled payments and tell me I am behind on my payments. I get calls early in the mornings all through the day and into the evening, and Sometimes tMy car wo n't start because they turn it off. I have asked them to stop harassing me with the phone calls and told them I 'm not behind on my payments because XXXX XXXX told me not to pay. I am stressed out bad because my account is past due and I am being called all the time. I never know when I am going to get I'n my car and it wo n't start. I am a poor person with a single income and I live paycheck to paycheck. I ca n't make more than XXXX payment at a time. it is wrong to treat customers this way. I wish I had never bought this vehicle. It is a bad car for my family. It has been in the shop XXXX times already sense XX/XX/XXXX and still not repaired. I do not have another vehicle to drive while this one is in the shop so many times.
Product: Credit card or prepaid card

I apply for a  Chase Sapphire Reserve  Credit card on approximately  XXXX   XXXX ,  2017 . A short time after that I received a card in the mail. I never went online or ca lled Chase Sapphire  to confirm receipt or activate the card due to the fact I thought it was a simple application and not a aggrement to pay {$450.00} for a service I was looking into. I received a bill on  XXXX   XXXX     2017  for {$450.00}.   Originally when I applied for the credit card it was not clearly stated that upon applying I would be charged the annual fee. The advertising was misleading and confusing.   Additionally I call ed Chase approximately The first  week of  XXXX  or late  XXXX  to attempt to waive the annual fee as it was my understanding  XXXX   XXXX  military had that option upon approval. I notified  Chase Sapphire th at I was not willing to use the card unless the annual fee was waived. During that conversation it was never stated that the card was going to be charged even though it was never activated.   All attempts to resolve this matter w ith Chase have been unsuccessful. The company offered contradicting information regarding the activation and confirmation of receiving the card. Ultimately the Chase Sapphire representative stated that canceling the card would affect my credit score and  the annual fee was mandatory even though I never confirm receipt of the card, used the card and went online to activate the card.   I would like this Credit card to be canceled and I feel due to the misleading advertising the annual fee should never have been charged in the first place ( due to the fact that the card was never confirmed received or used ).   I have outstanding credit, own multiple credit cards and have never been treated in such a fraudulent way in my life.     A the final phone call  with Chase Safire  on  XXXX 2017 is what ultimately lead to this complaint being filed.     I WOULD NEVER HAVE CONTINUED WITH THE APPLICATION PROCESS IF IT WAS CLEARLY ARTICULATED THAT I WOULD BE CHARGED AN ANNUAL FEE, REGARDLESS OF ACTIVATING OR USING THE CARD! I WAS CHARGED FOR A SERVICE I NEVER USED! THIS IS FRUAD!
Product: Checking or savings account

I was incarcerated in XXXX when this account when was opened by the thief that broke into my home on XX/XX/XXXX. I was released on XX/XX/XXXX. {$2800.00} was used of money that I had no knowledge of until I was released.I reported this as soon as I figured it out and was told that due to their inability to recoup the money from the banks they couldn't return the money to me. I did not open this account. I did no t authorize anyone else to either. I advised them I was a victim of identity theft and was told that was a bigger issue than a dispute and that I needed to get legal assistance. None of this should apply to me because the account was fraudulently opened and used without my knowledge. I was also told that because the phone number on the account matched the number the account was opened with that there was no error. This was untrue however because when I was able to finally get to speak with someone in the fraud department I advised them that the number was not mine and she changed it.
Product: Credit reporting or other personal consumer reports

Account # XXXX Account name : XXXX XXXX Report date : XX/XX/XXXX This account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/2024 30 days late on Transunion and Experian and No report on XXXX XXXX XX/XX/2024 60 days late on Experian, no report on XXXX and Transunion .How is the possible for the same account, this is inaccurate. 

For the the date of Last active on Transunion XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX. this is inconsistent and inaccurate for the same account ) I'm now requesting you to investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

To Whom It May Concern, It has been made increasingly clear, that the intent of MidAmerica Mortgage is to inflict borrower harm amongst its consumers. As such please take this as my formal notice to file a CFPB complaint regarding the modification handling below. I intend to show clear evidence, Mid America caused irrefutable borrower harm, and ultimately failed to adhere to the guidance provided by FHA/HUD regarding XXXX the servicing of Modification during the Presidentially Declared Disaster. 
Modification Process Mid Americas Loss Mitigation & Bankruptcy Team negligence contributed to the denial of the modification via : Failing to properly communicate next steps with borrower during the Modification process Failed to apply the trial payments timely Provided inaccurate information regarding the modification status Misapplied payments Failed to properly submit documentation to Bankruptcy attorney during Modification process Failed to bring the loan current during the completion of the modification approved Assessed improper fees to borrower during disaster/XXXX XXXX o Inability to provide itemized breakdown of fees and arrears from borrower and attorney XXXX XXXX Modification Appeal Process Verbal Modification denial received on XX/XX/XXXX. Reason : Failed to make payments in month due. Please see mortgage statements showing payments being received XXXX XXXX XXXX Notice Online Bill Pay- confirming bill pay was set up XX/XX/XXXX XXXX XXXXXXXX XXXX Notice advising payments being submitted and yet not presented for deposit/cash XXXX XXXX XXXX Notices- confirming stop payment issued in conjunction with guidance from Mid America o Mid America misplaced funds , as such I was advised to stop payment and reissue, causing issues with XXXX payment. 
Please note : I resubmitted the documents XXXX XX/XX/XXXX. 
Followed up via email XX/XX/XXXX ( allowed XXXXday review ) o Agent was unable to assist as the loan number was a digit off in the subject line, despite all attached information containing the correct loans number. 
***Loan has now been sold again in the middle of the modification request submitted in its entirety XX/XX/XXXX to XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Product: Checking or savings account

I recently decided to cash out my IRA with Principal bank. I received the {$7800.00} via direct deposit to my SoFi account today XX/XX/2024. My account was then restricted. I contacted them and was told to verify my identity via a link they would send to take a picture of my ID. I have a VA XXXX issued REAL iD and took pictures etc. Room was brightly lit, picture clear, ID current etc. but it kept saying unable to verify identity. Their support team said sorry nothing they could do but I could try again in 24 hours. I then checked XXXX and other various sites and found 100s of people with similar experiences. Some of those people have been trying for 8+ months to get access back without success. I am a XXXX  mother to a XXXX year old and really need access to that money. Im scared and not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XXXX Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report.

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting

I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.