23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage got transferred to Fay Servicing about 4months ago from XXXX XXXX. 
This month XXXX I made a payment, but this month I will still be three months behind. I got a call yesterday ( XX/XX/20 ) from the same lady and I told her that I would make another payment this month with the money I have in my surplus and money I have. She told me I couldn't do that because I received a demand letter and my house is going into pre foreclose if I don't pay {$5200.00} this month. 
I got behind in my payments because of medical bill I have to pay to keep my husband on medication and XXXX. He has XXXX  XXXX. I had explained that to her the last two times we spoke. 
Please help me. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit card

Bank of America did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card
Product: Debt collection

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1600.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX   and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use threatening and profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.
Product: Credit card or prepaid card

Someone opened a capital one credit card in my name using their address which I recognized because she used to babysit my son my kids birth certificates and social security cards where also stolen by her. The dates match from when I stopped using her as a babysitter because she stole cash from me then it showed up on my credit report that a capitol one credit card was opened and used for several months without my knowledge or permission. I disputed it and talked to XXXX they told me to contact the FTC also.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing that I still owe a debt to Bank of America credit, that is incorrect. I did a balance transfer from my XXXX card to pay the total amount of my debt to Bank of America on XX/XX/23 and I have an email and documents attached to prove it. XXXX has not updated this information and it has caused an increase of 7 % on my credit usage by adding the debt I owed and the balance transfer to XXXX card showing I owe total of {$10000.00} and that is incorrect. 

This is now the second time XXXX has made a mistake on their reporting that has affected my credit and I am filing a complaint to correct this mistake and restore my credit usage to what it was.
Product: Checking or savings account

On XX/XX/2023 I called Chase Bank XXXX department to report unauthorized transactions taking place with my checking/savings account and Chase debit card. Someone in the state of Florida ( I live in California ) was able to transfer {$5900.00} from my savings account to my checking account and then proceeded to order a new debit card, change my home address, email address and cell phone number. They later used my debit card ( not the new card ) which I had in my possession to make over $ XXXX in XXXX XXXX transactions and $ XXXX in ATM withdrawals. This person would go to different XXXX 's in the state and make a small purchase of under {$20.00} for each transaction and would request {$100.00} cash back each time they made a purchase. They did this about XXXX or more times throughout XXXX different XXXX 's in the state of Florida. They were able to use my debit card and my PIN number. 

On XX/XX/2023 Chase bank denied my claim reporting they found the transactions were processed according to the information I provided or was authorized. I later called the bank and was told to contact XXXX in the state of Florida myself were the transactions took place and to file a police report. On XX/XX/2023 I resubmitted a claim to reopen the denied fraud claim which was denied again on XX/XX/2023 ; reason being transactions were all authorized! They did however on XX/XX/2023 agree the ATM withdrawals were incorrect and I was refunded {$730.00}.
Product: Debt collection

Mechanics Bank is where the VA has placed disibility compensation due to congress granting VA the authority to appoint a fiduciary for a VA beneficiary who is rated unable to control or manage his or own affairs or under a legal XXXX and incapable of managing VA benefits in an appropriate manner. In some instances, the appointment of a fiduciary may necessitate the allowance of a fee from the benefits payable to me as payment for the fiduciary services provided. 

The XXXX has been requested to be removed due to incompetence of managing comepensation through the VA to contest their orginal decision, which by the way was denied according to the decision letter that was mailed to my residence. Also the VA failed to acknowledge the medical providers note to remove the fiduciary and overwhelming evidence displaying incompetence by the assigned fiduciary. Recent events really conveyed a clear message to dismantle credit and other finances. This is now viewed as a serious XXXX attack by both XXXX XXXX XXXX and Mechanics Bank. 

Mechanics Bank was alos provided an in depth report regarding credit card payments that were reversed due to false reporting by XXXX XXXX XXXX Payments are typically mailed to the credit card companies, I elected to have the payments processesd electronically due to the fact that mailing was causing delays in payments. Using the routing and account number. Fraud was mis-used by XXXX XXXX XXXX, in which the bank was also warned a head of time to prevent XXXX XXXX XXXX XXXX XXXX XXXX from reporting electronic transactions by me as if they were fraudulent. The bank ignored the warning which was made by telephone. 

I provided the report in the branch managers hands, she handed it back to me and stated that I made deposits into interest savings account. She named them as well. Why this was more important to her than the reversed credit card payments is most likely another example of mis-use of authority and plotting or conspiring with indivduals with mutual interests. This is a an act of terror. The manager and staff as well XXXX XXXX XXXX, is mentally incompetent to be employed in the industry of finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under USC 1681.Equifax is governed by USC 1681 and they violated my rights numerous times, I demand that the accounts listed below be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) According to 15 USC 1681 I have the right to privacy and did not give Equifax permission to furnish these accounts, thereby inhibiting my afforded fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, account numbers : 1. ) XXXX 2. ) XXXX 3. ) 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have no knowledge of this account or what it is for. I personally have never signed up with Acima to receive their services.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit card or prepaid card

I have an AMERICAN EXPRESS card I bought at rite aid for the purpose of buy gifts online there was a few purchases I didnt make but my problem is that I have yet to receive anything I made these purchases starting the beginning of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : ACCT ADJSTMT Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX  XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have had a Capital One credit card since XXXX and since XX/XX/XXXX, I have paid every month on time with no incidence until last XX/XX/XXXX when Capitol One claimed that my payment was reversed. I called Capital One several times on this issue and each time they claimed that they did not activate the autopayment on the card to pull money from my bank but they did. My card has always remained locked and thus, no money could have been taken out to be reversed. Nevertheless, I paid XXXX through XXXX with the same amount I have paid for the last 2 years and more importantly, the amount the account suggested I pay, {$25.00}. XX/XX/XXXX, Capital One then increased the amount requiring me to pay {$130.00} and I was unable to afford it. 

Essentially, the issue is, based on the money I have paid to Capital One on this one account the card was paid off several times, but I do not have access to this card since XXXX. With each payment the amount I paid is not being reduced and I still do not have access to the account. Additionally, Capital One has reported to the credit bureau as being late although I paid on time and the amount the account suggested. I calculate the amount paid since XX/XX/XXXX is about {$1200.00} and this is way more than the balance and the limit of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update immediately.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX XXXX XXXX LEXIS NEXUS XX/XX/XXXX XX/XX/XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC 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 XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) FRAUDULENT INQUIRY : XXXX
Product: Checking or savings account

I am receiving statements at my house for someone named XXXX XXXX ( acct : XXXX ). I do not know this person and Wells Fargo should not authorise this person to use my address without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Auto Loan Account # XXXX. This account is paid off and the lien has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account is reporting a late payment which is incorrect. I contacted each credit bureau 2 years ago and never received a response. This information is incorrect and there should not be a late payment on credit for my car that I have been making monthly payments on. 


I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in XXXX of 2016. When my mortgage broker tried to pull up my credit report with Equifax, they were only able to pull up my credit history with my old name, and no new information with my new name. I changed my name with the social security office, my credit union ( where I have a credit card ), and with my student loans servicer and the department of education. I provided my name change documentation since I discovered Equifax has not been keeping up to date records. If you could please help me link my credit history from my old name to my new name. And also discover why Equifax was unable to link the accounts when both the social security administration and my creditors were able to process my name change. Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

National Credit Systems Inc placed on my credit that I was high risk for a debt that I was never aware of and a debt that they never made me aware of. I never received any call or any communications even though the XXXX XXXX creditor ( XXXX XXXX XXXX XXXX ) had all of my information ( my email and place of work that they needed for employment verification to even apply for the apartment complex has not changed in the past 3 1/2 years ; I was a resident from XXXX XXXX XXXX ; employed with XXXX since XXXX XXXX ). With that being said, I also never received a debt verification letter. I was only aware of the debt after I tried to apply with a previous residence and they told me I was declined because of the debt in XXXX. Keeping in mind that XXXX XXXX did n't even know who I was initially when contacted by the apartment complex I was applying for rental verification. Afterwards I went to XXXX XXXX to see what the problem was and I meet XXXX XXXX who is the current property manager. She was extremely unhelpful, of course, and before I was introduced she spoke to her assistant in front of me in XXXX ( she did n't realize that I spoke some XXXX ) about my situation. I asked her about the situation in XXXX and she told me that she could n't give me any information. The only information that she gave me was that they had me moving out on XXXX ( mind you the debt collectors reported " my '' debt to the national credit bureaus in XXXX ) and she said " something about carpet. '' She did n't furnish me with a list of infractions or anything, even after I asked her. All she said was that " she deals with this all the time '' and that it was " out of her hands. '' She gave me an email but was hesitant to give me the name of the person to whom I was sending the email to. The only notification I got from the National Credit Systems , Inc was after I disputed it with XXXX in XXXX and the letter states that they have already reported to all XXXX national credit bureaus. Still no debt verification or contact outside of that letter in the form of email, phone call, or even through my job ( I would n't even mind that if it meant paying a debt that I actually owed ). " We urge you contact our office to begin this process and to avoid other collection remedies available under the law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following Bureaus Equifax and XXXX by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXXXXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a denial notice from the credit union I was attempting to join. I was informed that ChexSystem was reporting a negative item under my social security number. After obtaining my ChexSystem report, I noticed an Item from XXXX XXXX charge off for {$1200.00} XX/XX/XXXX. I filed the dispute with ChexSystem, as well as going to file an identity theft report with my local authorities. Speaking with a customer service representative from ChexSystem I explained my identiy had been stolen and this fraudulent activity is the result of identiy theft. Upon contacting XXXX XXXX and explaing this activity is the result of Identity theft, I was told I needed to speak with ChexSystem.