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

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started looking at my credit and I see a couple of default acconts that I did not open
Product: Mortgage

We have exerted all efforts from our end to make the short sale process as fluid and stress-free for you as we can, but we are not getting a timely response from your lender. We have already reached out to the executive office but have not had much of an effect. 

The file was transferred to Fay servicing on XX/XX/XXXX. We have an ongoing short sale application with XXXX  before this file was transferred to them. We were advised that they received the file on XX/XX/XXXX. The file was tagged complete on XX/XX/XXXX and XXXX was done on XX/XX/XXXX with the AS-IS value of $ XXXX.We were informed that ETA for review is 30 days from XX/XX/XXXX. We made frequent phone calls and emails to the POC and as well as to his manager to monitor the file. We escalated the issue multiple times since it is already past the 30 days time frame they provided. We are not getting any progress nor response from the assigned processor although multiple emails and callbacks were requested. It was only on XX/XX/XXXX that we received a response that our offer is too low and they are countering for {$260000.00} offer. 

The buyer agreed on the counter and the new offer was sent on XX/XX/XXXX for review. The same process, we did frequent follow up to check the progress but we are only getting answers like " still under review by the investor, only the processor can answer to that ''. It was only on XX/XX/XXXX, after numerous attempts that I have been able to spoke to the POC that we find out that the investor is asking for {$260000.00} as net and not as a gross offer. 
For the last time, the buyer agreed on their counter provided that we can get the approval and close this month. We submitted the new offer on XX/XX/XXXX with the {$260000.00} net that the investor is requesting and until now we don't have any update from the lender nor the POC if they already submitted the new offer to the investor for review. 

The agent we spoke to yesterday informed me that he is not seeing any notes on the account if the file was submitted to the investor for review and it's not even showing that there is a new offer. We sent numerous emails and callbackrequests but we have not heard yet from the processor nor from his manager. 

Any help you can offer regarding this matter is greatly appreciated. It's now more than a year and we have not received any decision.
Product: Credit reporting or other personal consumer reports

On my experian credit report theirs is negative item called credit collection its a fraud account I filed a federal trade commission identity theft report on file please have experian remove the account my social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto reporting to all three bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 and XX/XX/2021, i sent letters to transunion and XXXX  about these inaccurate items on my report they have not verified or deleted them from my report. i sent them usps certified mail w/tracking # XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. i need help getting this matter resolved
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Wells Fargo is deliberately stealing and withholding fraudulent charges that were made on my business and personal cards in the amount totaling XXXX I want my funds back immediately
Product: Credit reporting or other personal consumer reports

I am writing this complaint due to multiple inquiries that are on my credit report. These inquiries have been deemed as fraudulent and hindering my credit worthiness. I am unaware of why these inquiries are on my credit report. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give Experian nor XXXX my consent to disclose my personal public information. Because of this, it is a violation of the law. This inquiry is deemed as fraud and should be treated as such. I have no knowledge of these inquiries and request that they be deleted. 

Inquiries from : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : XXXX performed a hard inquiry on my Equifax credit report without my consent. On XX/XX/XXXX I received a credit alert via text message. I contacted XXXX on XX/XX/XXXX at XXXX. I told the representative I had an inquiry on my report even thought I did not apply for service. I was told it was due to debt collection and associated with the previous user. I informed them that I have had the phone number since XX/XX/XXXX. I was told the inquiry would be removed. It has been nearly two weeks and the inquiry is still on my report.
Product: Debt collection

The company has published false information to all three credit reporting agencies. I requested for validation, they are unable to provide me with a contract or anything with my signature to show I am the owner of the account. The are charging/request {$710.00} for the account. However, the bill the bill that they sent to me is for {$300.00}
Product: Vehicle loan or lease

My used car loan began on XX/XX/XXXX. At the time of the origination the loan was for {$21000.00}. I had purchased a XXXX XXXX XXXX XXXX with XXXX miles on it. A few weeks ago I asked for a payoff amount for my car, since it was having major repair issues and was advised I need to pay {$20000.00} to pay off the car, almost four years has passed mind you. According to Consumer Portfolios Services payment history, I have paid them {$13000.00} dollars and of that amount {$2300.00} has been applied to the purchase price, the balance of XXXX was for interest and fees. When I called to speak to a customer service representative she got very snippy with me, stating this was a simple interest loan and because I was behind they were charging me {$9.00} per day. I said that I never got a copy of my loan agreement and I would like it sent out immediately and she said she would make the request. That was over a month ago and I still do not have anything from them. At the time I was past due, but Consumer Portfolio reported that I was current to the credit bureaus and yet they are still charging. I am at my wits end with this loan and a car that will not last much longer. Is this legal to just keep adding charges and fees to a loan so basically you wont have a car, but will just be paying money on top of money for nothing. This is the craziest thing I have ever seen or heard of and I am afraid I will be without a car and without a way to get a new one to get to work.
Product: Credit card

I bought a bedroom set from XXXX 's XXXX XXXX XXXX XXXX for {$4500.00} with store credit offered by Synchrony Bank. I made on-time payments for 2 years over the minimum balance bringing my balance down to approximately {$2500.00}, then found out this XXXX that I now owe them over {$6000.00}. I called their customer service multiple times and have been told it was due to a promotional rate expiring which was never directly communicated to me via email or direct mail. I feel Synchrony Bank was surreptitious in doubling my debt and not notifying me well enough so I could take action or seek any reprieve on the interest rate. 
I just got off a phone call with them and they informed me that I would have to pay {$1500.00} to waive interest payment of about the same amount, while still owing them {$2500.00}. I feel wronged and unfairly treated. when I purchased the furniture and was told it would be interest-free for 24 months, I expected that after 24 months interest would start applying to my account, and not that 24 months ' worth of accumulated interest payments would suddenly be added to my account and I would be required to pay the bulk amount as a lump sum payment. 
In essence their plan would have me in debt for several more years and this practice is wrong.
Product: Credit reporting

Equifax will not provide my credit report to me. I was recently denied credit and am entitled to a free copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$290.00} XX/XX/XXXX
Product: Checking or savings account

I received a settlement check from my renters insurance regarding a fire incident that had occurred on my previous residence. I opened a new chase checking account so that I could deposit and withdraw my funds. I went in to chase and deposited my check on XX/XX/2024, I was also able to withdraw my funds the very next day on XX/XX/2024. A couple days later I receive a message from chase bank saying that my account has been restricted due to fraud activity on my account. Previous to that I had received a {$900.00} dollar XXXX payment from my coworker this was before they had sent me the message regarding my account being frozen and restricted. I have tried plenty of times on contacting costumer support and helping them with getting my account unrestricted. My account became restricted due to the settlement check in the total amount of {$11000.00} not being able to be verified by the chase bank. But I have already received the funds that means that the settlement check had been verified already if I was able to withdraw the money. I have given them several numbers to call to get the check verified but they keep telling me that none of those numbers are in their systems I have spoken to my insurance agent and she has personally told me that they have to call the number that I have given them so that they can get the check verified. But they keep disregarding the numbers I give them and keep looking them up on their system. But those are not the correct phone numbers to the company to get the check verified. I just want my account unrestricted so that I could get my {$900.00} dollars because due to the fact that it is restricted I cant withdraw my money or anything and XXXX in need of that money because I have bills to pay. They told me that I could lose my {$900.00} dollars because they are going to close my checking account which I dont find fair I have been trying to help them get in contact with my insurance agent and insurance company so that they could verify the check and I could get my account unrestricted.
Product: Credit reporting, credit repair services, 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 which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to XXXX, Transunion, and XXXX on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.
Product: Vehicle loan or lease

In accordance the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit reporting agency in XX/XX/2023. They have yet to place a statement that indicates that account in dispute. It has been exactly XXXXdays. This is a collection account with incomplete and inaccurate data. It states that the date it opened is XX/XX/2023 except no data for either XXXX or subsequent month exists. Also it reports it as a collection as of XXXXXXXX XXXX, XX/XX/2023 according to XXXX consumer report. No payment history. I, never established an account with LVNV, I have requested for documentation evidencing detailed records. They have deceptively contacted me via email using other company names such as " XXXX XXXX XXXX '' which is a clear violation of the FDCPA. They are using false representations of characters, amounts, and legal status of any alleged debt. 

Please see attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and filed several disputes about all the inaccuracies on my report. There are inaccuracies in the date opened, date last reported, date last active and date of last payment. This should be removed due to all these inaccuracies.
Product: Mortgage

on XX/XX/XXXX and three times prior, I applied for a loan modification and submitted all the requested documents by the lender. three times we were denied the loan modification approval .We are currently in the process for the fourth one and have foreclosure sale dateXX/XX/XXXX. according to the lender it has been suspended but we did get certified mailed with XX/XX/XXXX sale date while we are in loan modification process. I do not agree on the outstanding amount due. we have submitted my payments history to the lender .My wife and I have XXXX young children, oldest is XXXX, youngest is XXXX years old .we bought our new home back in XXXX and paid our mortgage on time since then with the same lender.my wife had a serious unexpected medical injury set us back financially, I am not able to work as much due to the time it takes to care for XXXX children and care for XXXX spouse despite all that, I work full time and put food on the table. I have submitted proof of my income and residency four times to the lender. our home is worth twice the amount we owe .The lender wants to cash in on the equity we build. This kind of activity has to stop. it is not fair to the consumer to work so hard and pay for the mortgage for 12 years, face losing the house without offering owners a second chance during difficult time specially when there is a proof of income and equity in the house.