23daVinci/CFPB_Complaints huggingface dataset:
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 confideniality under 15 U.S.C 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an 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. XXXX is re-aging the debt which is against the FCRA. When an account has inaccurate information it must be deleted and my rights have been continually violated and these companies must be ordered to pay. XXXX issued a 1099-C which means the debt has been paid and no debt is owed and the account must be deleted for inaccurate information. XXXX also states I have filed bankruptcy and that isn't true which means the account doesn't belong to me. If these accounts are not deleted then I must be awarded {$1000.00} per violatio.
Product: Debt collection

Disputed with the company on XX/XX/XXXX. The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company. The FRCA gives the company 30 days to respond, I have not gotten a response.
Product: Debt collection

Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not thoroughly investigating my complaint, instead they are responding with a generic response which is not relevant to my complaint! 

Complaint : Since XXXX XXXX my uncle added me on his XXXX credit card as an authorized user. 

The account has not reflected on my credit report. I have repeatedly contacted Equifax to be told by their customer service representatives the issue is with XXXX not reporting the account. 

I have escalated complaints with XXXX and after their investigation the account in mention has been reported to all credit bureaus since XX/XX/2020. 

This account is listed on all credit bureaus except Equifax. 

Equifax is not investigating this complaint and is providing me with a generic response. 

As this account is an authorized user account the possible issue is the account is listed with mixed details primary card holder information and my information I AM ASKING EQUIFAX TO INVESTIGATE AND CORRECTLY UPDATE MY CREDIT FILE.
Product: Debt collection

On XX/XX/XXXX i was at work when my information was hacked online i have no knowledge of this collection of {$700.00} with speedycash and on XX/XX/XXXX i was a victim of identity theft i have no recollection of this account with XXXX XXXX XXXX for {$510.00} please help me delete these XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} tied up XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

Bank of America has committed many federal violations not only against me, but others as well. They have violated my constitutional rights under the XXXX and XXXX Amendmends to our constution. I attempted to obtain a property modification five times and no response from them whatsoever. This is a violation of federal law. They also violated federal law under XXXX XXXX. Let them look that up.They also have been investigated under the RECO ACT. They also have had many class action lawsuits. They also had me pay for private morgage insurance which is against New Jersey law. They stole my home at XXXX XXXX XXXX XXXX, nj XXXX. XXXX paid then sold it again and got paid again. I wish I was Bank. I will be contacting XXXX and XXXX. To inform the people not only in NJ but other states as well
Product: Vehicle loan or lease

SEE ATTACHED COMPLAINT I financed a vehicle through Santander Consumer USA on XX/XX/XXXX and filed a usury complaint with the OCCC 's office in XX/XX/XXXX. Santander responded to their office on XX/XX/XXXX ( attached ) agreeing to lower my interest rate to 10.01 %, which should've cut the {$21000.00} finance charge in half, as well as lower the total amount due under the contract. Prior to the interest rate reduction to 10.01 %, I paid Santander {$8900.00} and almost 100 % or {$8700.00} was applied only to interest, with only {$520.00} applied to principal in the first year and half. Santander has continually blamed me for their accounting errors, stating it's my fault the interest is so high because I've been late, had extensions, etc. I've explained to their executive office many times over there is a problem with the interest allocation to my account BEFORE AND AFTER the interest rate change and there's no calculation or explanation for them applying almost 100 % of all I paid in the first year and half to interest only. This is in addition to their erroneous application of the interest credit they told the OCCC 's office I would receive, which was also erroneously applied back to unpaid interest. My records indicate I've already paid Santander {$33000.00} plus another {$1300.00} that's unaccounted for and/or not reflected in my payment history at all. To date, Santander has applied {$19000.00} to interest, which is almost equal to the original finance charge at 20.61 %. Santander claims I still owe another $ XXXX on this loan and that I'm 86 days late and nearing repossession status, which is impossible at the 10.01 % rate. I believe my car is paid off or very close to but their executive office refuses to correct or adjust the account to give me an accurate amount still owed, if any. Santander has continually blamed me for the delinquent account status, refuses to acknowledge or correct the account or the credit reporting, regardless of the numerous requests I've made for a manual review of the account related to the interest rate change and allocation.
Product: Money transfer, virtual currency, or money service

P PayPal - negative {$10000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Mortgage

I have a Home Equity Line of Credit serviced by Wells Fargo under account XXXX XXXX XXXX. 
While I was refinancing another property, due to a recording error on the HELOC note, my title company sent to Wells Fargo in mid XX/XX/XXXX a request to close the line of credit. I received notification by Wells Fargo of this request end of XXXX. I immediately notified Wells Fargo and the title company of the error by phone and fax. The recording error was fixed and the title company notified Wells Fargo that the closing request was made in error withing a week. 
Since then, my HELOC is still frozen. I have contacted Wells Fargo multiple times by phone and sent two other faxes at the number they provided me. 
Now, almost two months later, my HELOC is still frozen despite the fact that Wells Fargo admitted that the request from the title company to close the HELOC was voided anyway as over a month old. 
I escalated the issue to Wells Fargo line of credit executive office, but after over 2 weeks of 'research ' they answered that they need another 2 weeks to complete more research. 

To summarize : Wells Fargo is still keeping my line of credit frozen after receiving a request that : - was sent by a third party without my approval, and WF was notified by me in writing and phone immediately that I did not authorized it ; - the third party confirmed to WF that it was sent in error ; - the request is over a month old and voided anyway Wells Fargo is still refusing to reopen this line of credit, creating a financial problem to me that will escalate in additional cost and penalty on other short term liabilities that could not been satisfied due to the lack of access to this HELOC.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Product: Mortgage

I purchased my home in XX/XX/2020 from XXXX and my mortgage company was Eagle Home Mortgage. I had the choice to buy this home or another home at XXXX XXXX. I chose this home because I was told the PID would be included in my mortgage. I recently got my escrow analysis and my mortgage has now been increased by XXXX. Due to Eagle Home Mortgage error, this caused me to be short in my escrow. I spoke with XXXX XXXX # XXXX 2 days ago. I recorded the entire conversation as Texas is a one party recording state. I didnt need his permission to record the call. I was informed that Eagle Mortgage did make an error and omitted the PID being included in my escrow. He stated to me that human error happens and there is nothing that can be done. MY current mortgage company is requiring me to put XXXX in my escrow or my payment is going to increase XXXX. This is not my fault that Eagle Home Mortgage made this mistake and I am having to pay for it. Human errors do happen, but when it does I would hope a financial institution would have enough integrity to correct their mistake. As a customer I feel that I was false and misleading information. I have all of the proof and all of the emails. I have no problem going public with this and showing the proof and the recorded call that I have. As many houses that are in XXXX XXXX and as many loans as Eagle Home Mortgage did for XXXX, I feel the lender knew exactly what they and intentionally did this. Especially since there was no remorse or care what their error has done to me. I am in the process of talking to every single home owner in XXXX XXXX that bought with XXXX and used Eagle Home mortgage to see just how many people this was done to. I will submit all my findings to the CFPB. I am not going to just accept a human error was made and just go away. This can either be made right and fixed or I will spend the rest of my life posting my story to my platform on social media and filing complaints to every single organization that will allow me to. This is very upsetting and can be a very easy fix. I'm sure everyone remembers when the market crashed and how long it took to rebuild everything. This was due to mortgage companies using unfair and deceptive practices to get loans closed. The department of justice has already ordered Eagle Home Mortgage to pay a substantial amount of money for approving people for loans that didn't really qualify. If I have to I will get in contact with the attorney that handled that case to assist me. I do not care if this costs me more money than the XXXX. This is about principle and I feel I was misled by the lender. Someone has to stand up for those that don't have a voice and for those that have went through this. I will be that person.
Product: Debt collection

I received a letter back on XX/XX/XXXX from tsi. ( Transworld Systems Inc. ) stating that they are a debt collector and that I needed to pay for {$150.00}. On XX/XX/XXXX ( at XXXX XXXX ) I called the # to tsi and spoke with a XXXX XXXX XXXX who explained to me that XXXX XXXX had sent this to them, based on a transaction back on XX/XX/XXXX. I disputed the transaction and she then mentioned that she'd put a hold on the debt collection. ( with a tsi account/reference # of XXXX ) I didn't have any other contact from tsi until XX/XX/XXXX, when I received a new debt letter that now stated that I owe {$1600.00}. ( with a tsi account/reference # XXXX ) ( all along, my wife and I have thought of this as a scam ) I called tsi on XX/XX/XXXX and spoke with a representative and again filed a dispute. They again listed XXXX XXXX as the company enlisting tsi to collect money from me. She said that she took note, but ended up hanging up on me, when I started to ask questions. I have also sent a letter back to tsi to dispute the debt. 
I have never used XXXX XXXX ever in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my name and date of birth to have immigration XXXX/XXXX XXXX done in XXXX New York at XXXX XXXX office in XXXX 2016. I live in XXXX South Carolina and was at work in XXXX on that day with proof of that. XXXX XXXX office sent the bill to XXXX and when it was n't paid XXXX sent this to CCS, Credit Collections Service. When I received this bill in the mail I called all three business 's with little help. CCS refused to speak to me on behalf of this account. I filed a XXXX with the local police department and I want to make sure that this is not placed on my credit.
Product: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible
Product: Credit reporting

I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan from the company called Homepoint ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Product: Mortgage

I have had a Mortgage with Chase Mortgage for a few years. In XXXX I received notice that my escrow payment was to be increased. If not, my payment would be increased {$280.00} to XXXX. I made the payment on the escrow shortage on XXXX XXXX 2015. In early XXXX I received a letter from Chase in the mail that my new payment would be increased by this new amount ( to XXXX ) There was no acknowledgement that they had received the escrow payment or otherwise why this was. I called Chase on or around XXXX XXXX to ask for clarification. I went through XXXX sets of menus and talked with XXXX people, XXXX of whom was XXXX. I ended up talking with a woman whose name I did not record. This woman tried her best to insist that I now owed the amount of XXXX, but in the end could not explain why, even though she put me on hold for around XXXX minutes while she talked with a supervisor. When she returned, she again tried to explain but could not. While I had informed this woman that i was about to be late to work and needed to conclude, I was on hold for a long time, spent XXXX minutes with her letting her try to explain why the payment was increased ( but in the end could not ). n the end I spent nearly an hour on the phone, She told me that my payment would increase to XXXX in XXXX, but could not exactly explain why that was either - given that I 'd paid the escrow shortage in full ( I have made the increased payment of XXXX for XXXX ). She finally promised to find out and call me back. In the end - even though I had made it clear that I could not spend much longer, due to my attempt to accommodate Chase employees attempt to explain ( which they could not ) and the long hold periods - I was late to work and the cost to me in idle workers and other consequences was close to {$700.00}. As of today I did not receive a call back, but did receive XXXX robot calls saying I needed to call on an important matter. I called Chase back and spent nearly XXXX minutes during lunch with XXXX ( spelling is XXXX ) who tried her best to tell me why Chase wanted a payment of XXXX in XXXX, even though the escrow shortage payment that Chase requested had been made in mid XXXX, which she confirmed, and that the other payments that I had been required were also received. She also told me that Chase had received the XXXX payment ( which is the amount that had been required before now ) but not applied this payment because I had not paid the full amount. In the meantime, for " late '' payments Chase had assessed me {$170.00}. After XXXX minutes of trying to explain - and insisting that she was giving me the answer - she told me she was not qualified to explain the answer to this question and would send me to someone else. At this point I had to return to work and ask her to try to call me, She said she would.
Product: Credit reporting or other personal consumer reports

Ive tried several times to pull my Transunion credit report several different methods and it comes up blank. I contacted Transunion and was transferred everywhere and was finally told my Transunion report is being suppressed. I wasnt given a reason. Im trying to purchase a home and was told I can not because Transunion is blocking my report/ score from being seen on every credit reporting platform.
Product: Credit reporting or other personal consumer reports

After dispute sent to Experian credit bureau for multiple addresses appearing on my name,SSN not mine wrong,more two of my first names wrong ,the results came updated not deleted,plus to many previous employer not correct.

I wanna keep one name ,one address please sent complain to Experian to delete all my personal information wrongly.
My correct personal information is ;

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX