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

Bank of America placed a. Annual fee on a credit card that had a zero balance and because of XXXX I never received the XXXX $ statement balance. It gave me a 30 day late payment now and has dramatically hurt my perfect 30 years of perfect credit. They have not fixed it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to XXXX10 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Product: Debt collection

XXXX membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

For the better part of a year i have been receiving calls from random XXXX numbers stating the call is from XXXX XXXX XXXX XXXX calling regarding a debt and asking me to return calls to a XXXX number. Each time I block the number, each time a new call ( sometimes multiple in a day ) comes from another XXXX number. I did an online search to confirm this is an actual agency, and the number listed online does NOT match numbers called from, nor numbers instructed to call. I called the number listed online and spoke with a representative named " XXXX ''. I explained the messages I've been receiving and she asked to confirm my number to look up my account. She could not find any account attached to my phone number. She asked for a reference number. None has ever been provided. Again, I KNOW I do not have any debt, other than a mortgage that is paid automatically monthly. I suggested to XXXX that their system XXXX have been hacked, placing lord knows how many people 's private information at risk. She was not bothered by this. I feel it is now way past time this is brought to the attention of governing bodies to address. 
Call list below : 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 Those are only the few that were not deleted from my voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to Experian, XXXX, XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX I was looking for a new apartment to rent but when the property management run my credit report, they saw a lot of negative accounts with charged off debts under my name. I was shocked and horrified when I heard about it because since I came here in the US I never had or opened a credit card. So I asked for a copy of my credit report and they got it from XXXX. Then there I learned that I was a victim of identity theft. So I reported it immediately to XXXX and place a freeze or fraud alert in my credit report. I also did file a police report, file an affidavit to FTC, and called all the banks/creditors in my credit report to dispute all those fraud accounts. There was 10 fraud accounts on it, thankfully, 7 were already disputed and removed in my credit report but unfortunately, 3 were still there ( 1 account from Wells Fargo amounting to {$14000.00} opened on XX/XX/XXXX and 2 accounts from XXXX amounting to {$8.00} and {$15.00} opened on XX/XX/XXXX ). I reached out to Wells Fargo several times since last year, and even if I already submitted all my supporting documents and told them that I am a victim of identity theft, they keep on denying my claim. They keep on sending me letters stating that my claim was denied because the account was accurate and so I am responsible for that but they did not even send me any proof or ask for supporting documents. That is why I am filing this complaint for Wells Fargo and XXXX because I dont think they are really investigating my case thoroughly and they dont even care for a victim of fraud and theft like me. As a result, I am having a hard time now to get an apartment for myself because of the bad credit that I have and its even harder for me to start on building my credit because of this horrible situation that I experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX$790.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN
Product: Mortgage

PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.
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. Have violated my rights. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX account # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX account # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXX  account # XXXX The address of XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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: Student loan

I originally had my student loans with XXXX  XXXX and upon XXXX XXXX being acquired by XXXX, the servicing rights were purchased by XXXX. XXXX assigned servicing rights to XXXX. I am on maternity leave and currently not working with XXXX children now under XXXX XXXX XXXX and unsure when I will return to work. I had deferment options with my original lender and servicer, but when I called XXXX was told that I was only eligible if I qualified under natural disaster and that if I could not pay them $ XXXX per XXXX, they would report the payment as late to the credit bureaus. I feel stuck because if I refinance then I lose my low rate, but I can not pay so it seems like my only option is to miss payments and destroy my credit. Please help me.
Product: Debt collection

Consumer Portfolio Services is reporting to the credit reporting agencies regarding an expired debt. This debt is over seven years old and the last activity on this account was XX/XX/XXXX. I sent a certified letter on XX/XX/XXXX and XX/XX/XXXX, informing them that I understand my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing or reporting this type of debt in Virginia has expired. As of today, XX/XX/XXXX, Consumer Portfolio Services is still reporting an expired debit to the credit reporting agencies.
Product: Credit reporting 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 accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Credit card : Walmart credit card. 

Issue : Taken off automatic payments without permission. 

My credit card servicer was XXXX XXXX, but there was a transition to a different service provider : capital one. 

Ive never missed a payment for that card in three years. Ive also never missed a payment for any obligation for over seven years. 

When the transition to capital one occurred, my automatic payments were not transitioned. Ive been overseas for the past 7 months and established autopay in order to avoid any lapses in my payment obligations. 

As a result, my payments lapsed. Theyve been gracious enough to refund all of the fees and penalties theyve charged after I was able to get in touch with them, but my credit has suffered. 

Can you do anything? I feel that they are directly responsible as this wouldnt have occurred had automatic payments not been XXXX in the corporate transition.
Product: Debt collection

I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( 3 ) credit reporting bureaus to get sufficient information resulting in XXXX deleting Resurgent/LVNV Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from XXXX or Equifax. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.
Product: Debt collection

Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 
I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 
Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional  finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,
Product: Credit card or prepaid card

Store credit card : Macy 's. I was late making a payment of {$1600.00} to may my Macy 's card account. Macy 's rightfully charged an interest fee of {$18.00}. That payment arrived a few days late, but I was not aware that it was late. Macy 's charged another {$18.00} late fee. I can understand that. However, I have been regularly logging into my Macy 's account to ensure that no payments are due, and each time my online account reports " Statement Balance : {$0.00} '' and " Statement Past Due Amount : {$0.00} '' This made sense to me since I had not used the card since the last payment in XX/XX/XXXX. When I called the Macy 's Customer Service number ( XXXX ), I was told that, once your account goes delinquent, information in your online account is restricted, and the balance due is no longer reported. Had I called the customer service number and requested that balance, then the balance due would have been accurately reported. Had Macy 's simply stated that balance is unavailable online, I would have known to call. To state that current and past due balances are {$0.00} is factually untrue and misleading. This matter has gone way out of hand due to the lack of candor Macy 's demonstrated in the reporting of my account. I believe this to be an action in bad faith on the part of Macy 's. In 2019, it is more common to go online for account information than it is to make a telephone inquiry. Macy 's set a trap for its loyal patrons by tricking them into believing their accounts are current. Today I made a payment in full for the {$99.00} Macy 's states is past due. I also added an additional late fee ( in good faith on my part ) of {$18.00}. I ask that you challenge Macy 's on this unfair business practice.
Product: Debt collection

This company left me threatening voicemails, which cryptically imply that there was a warrant out for My arrest and that they needed to get in contact with me to resolve this matter. I finally let in and answered their phone calls where a man on the other line proceeded to intimidate me with personal legal matters. It was if he was impersonating law enforcement to have me pay the debt as a fine.

They have 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.