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

It has been improperly reported that our account with XXXX XXXX  was included in a bankruptcy. We did have a bankruptcy that was XXXX in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.
Product: Credit reporting or other personal consumer reports

The account open date is according to Experian is XX/XX/2019. The date that is considered the open date has been inconsistently reported. On XXXX, the opening date is XXXX XXXX. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted the inconsistent and inaccurate information.
Product: Debt collection

In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
Product: Credit reporting or other personal consumer reports

My Date of Birth is XXXX Resource SSN ( XXXX ) XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX for Report Information is : XXXX XXXXI have no other requisite of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY decrees versus me of which there is not required inclusion or is information not exactly and completely as I have above appointed to is my non-disputed, factually confirmable correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX RE : I make this address so THAT YOU TIMELY and ETHICALLY do your fair constancy in your processing of this written observation petition to eradicate now any and all Credit Reporting Deficiencies and Deviations from the mandatorily abided by reporting standards, for which XXXX signals can not exist without injuring trust in edicts with unreliable integrity thereby making impossible meeting the federalrulings report to a MAXIMUM POSSIBLE ACCURACY and COMPLETENESS for you could have and SHOULD HAVE been certifiably principled to your own industry standards established for the very purpose of better ensure at least minimal expectations of undoubtablesufficiency of your adherence of reporting in total proficiency with and or of law ( s ). 
To whom it might concern I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, suitable and more than adhering of Federal and state reporting laws and or fairness in your docile adhering to the mandatorily followed credit reporting industrys codes namely the XXXX own XXXX detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions ofsuitable memorandums that may else better ensure integrity of discords made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are absolute even if unexceptional to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

XXXX Department of Education XXXX XXXX  inquiry XXXX inquiry
Product: Debt collection

I am in the process of building my credit to purchase a new home in the midst of the pandemic as a single mother. I have been working deligently on my credit for months and was highly upset to wake up this morning to see that this company has flagged my credit bureau accounts ( XXXX, XXXX, and XXXX  ) as having an account in collections which has resulted in a 90pt drop to my credit scores! I have never done business with this company and have no knowledge of the account they are accusing me of having or company they are allegedly collecting on behalf of. I haven't received any correspondence ( be it email, mail, phone calls ) about said account and am highly upset that this has been unfairly placed on my credit report. This type of predatory behavior HAS TO STOP!
Product: Money transfer, virtual currency, or money service

I NEED MY MONEY STILL I SENT A WIRE ON XX/XX/2021 FROM XXXX TO CITIBANK in THE AMOUNT OF {$4500.00} AND IT IS STILL FROZEN. LACK OF COMMUNICATION THE CONSUMER WAS NOT NOTIFIED UNTIL SUNDAY XX/XX/XXXX STILL INCONSITENT INFORMATION AND MONEY NOT RETURNED OR TRANSMITTED IM GOING TO SUE XXXX XXXX XXXX OF SANCTIONS INVESTIGATIONS XXXX XXXX XXXX OF COMPLIANCE AND THEIR CEO. 

EXPECT A LAWSUIT FROM THIS XXXX XXXX I SPOKE WITH XXXX THE WIRE SUPERVISOR AT CITIBANK EMPLOYEE ID XXXX AND SHE TOLD ME ON XX/XX/2021 THAT CITIBANK IS STILL WAITING ON INFORMATION FROM XXXX. XXXX XXXX ANOTHER WIRE SUPERVISOR STATED THE MONEY WAS RETURNED TO CHASE ON XX/XX/XXXX. ( THIS IS INCORRECT A LIE WHATEVER YOU CALL IT ) XXXX STATES SHE IS WAITING ON CHASE TO SEND THEM ADDITIONAL INFORMATION ALTHOUGH XXXX SAID ADDITIONAL INFORMATION WAS SENT AND ANOTHER XXXX REPRESENTATIVE FROM EXECUTIVE MANAGEMENT NAMED XXXX TOLD ME I NEEDED TO REACH OUT TO CITIBANK AND GIVE THEM THE INFORMATION THEY ARE REQUESTING BUT XXXX WIRE EMAILED ME TOLD ME THEY GAVE IT TO THEM AND CITI STATES TO ME TO ASK THEM TO SEND IT THAT THEY MUST SEND IT. 

WHAT RIGHTS DO I HAVE? NONE ITS EVIDENT IM JUST A SLAVE XXXX XXXX WHO IS HAS NO RIGHTS IN THE UNITED STATES. I SERVED THIS COUNTRY HONORABLE IN THE XXXX XXXX AND THIS IS TRUE XXXX IN ITS FINEST FORM. 

I MEAN THIS FROM THE BOTTOM OF MY HEART CITIBANK XXXX YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX XXXX inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS A CHARGED OFF CREDIT CARD IN MY NAME. I NEVER OPENED THIS ACCOUNT. I CALLED SEVERAL TIMES TO HAVE THE ITEM REMOVED. I AM SCHEDULED TO CLOSE ON MY NEW HOME IN 22 DAYS. THEY ARE PREVENTING ME FROM OWNING MY HOME BECAUSE MY CREDIT SCORE DROPPED SIGNIFICANTLY WHEN THIS ITEM REAPPEARED ON MY CREDIT REPORT AFTER IT WAS DELETED. 
I AM WILLING TO PAY THE {$650.00} IF THEY WILL NOT REMOVE IT. THEY MAKE IT EXTREMELY HARD TO SPEAK TO SOMEONE IN CUSTOMER SERVICE. 
PLEASE HELP ME GET THIS XXXX CREDIT CARD OFF OF MY CREDIT REPORT ONCE AND FOR ALL.
Product: Debt collection

Professional Finance Company in XXXX, CO XXXX is the company I am dealing with. In XXXX of 2021, I received a summons to answer and complaints of debts that I supposedly owe. I was very curious as to how they decided to take action on this so I called the courthouse of XXXX XXXX and the clerk told me there wasnt any kind of case or docket number at the time. I still showed up to the date presented on the complaint and filed an official answer and request of debt validation. A few days passed after and I received a stack of paperwork containing personal medical records and information that I did NOT consent or sign anything giving them access to these private records. I am aware of my rights knowing that this company can not have access to this much information, only the bare minimum to collect on this amount. Theres information about my procedures and surgeries that I got on the date of my hospital visit. I believe this violates HIPAA laws and would like an explanation on this. I will attach some pictures as well as additional information that I, again, had no idea that they had access to. I will formally request that they immediately stop attempting to collect and cease all communications with me as well as report to the credit bureaus that I no longer owe. I will also file a complaint on the HIPAA website. Thank you. All the documents attached are the copies of medical records that they sent me in response to me asking about debt validation.
Product: Checking or savings account

On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. 

I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. 

The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. 

I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. 

On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me.
Product: Checking or savings account

locked out of the mobile app and can not activate new debit card tried contacting Customer Service over 5 times with over hour-long hold times. 
contacted via social media as well with no resolution. 
after calling today and getting a callback rep advised me they need me to speak to a " specialist '' was transferred back to the IVR again and then waited for a new agent for 63 minutes before hanging up. 
I can not access my account online or activate my new debit card.
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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: Debt collection

On the date of XXXX XXXX, 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the " Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt, and {$170.00} to settle a {$270.00} debt, afterwards she stated I would recieve a deletion letter. I never recieved that letter and ive called them several times. Everytime i call they tell me that they are still going to send it to me and for me to " just wait 5 min. '' Now when i call them i tell them what my name is and they hang up on me.
Product: Credit reporting or other personal consumer reports

Commenity Bank XXXX XXXX has reported my account as late 30 days, and this is not accurate. I have never been 30 days late on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that have the right to privacy.

15 U.S.C 1681 Section A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Product: Credit reporting or other personal consumer reports

sonal Statement Personal Statement Personal Statement Personal Statement i have filed form XXXX with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title 15 USC 1692G, 1692K et seq FCRA 605B 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon
Product: Debt collection

on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..
Product: Mortgage

My mortgage was originally one loan with XX/XX/XXXX back in XXXX - they sold the mortgage after we had 28 % percent damage from hurricane sandy. 

After that we had surmounted a huge mortgage ( XXXX ) and it became unbearable and we had tried and tired to get a loan modification - on XX/XX/XXXX we finally got approved for a loan modification only to find out as of XX/XX/XXXX, apparently we had a second lien holder where we thought we had just gotten a modification. 

We both were effected by covid and was happy to have receive a forbearance during the covid time and now the mortgage company SLS Sold off a second mortgage to XXXX company and apparently we now owe that company too. 

We need help and I am trying to work all of this out and I am finding myself in a bait and switch situation with SLS & Previously with XXXX XXXX There appears to be some shady business practices and I am not a savvy guy on mortgages and I find myself in a pickle and I dont like they way these companies are handling there business. 

We have only been trying to straighten out our lives and now its even more confusing and I feel these companies are taking advantage of our situation and not helping the common American. 

what is the consumer to do when we are held in trouble and trying to make ends meet only to find out that I dont have the money to fight all of this craziness in court ... .they hold all the cards and meanwhile my credit gets ruined and causing stress as well as causing a XXXX attach back in XXXX from all of the stressors from Hurricane Sandy and loss of work. 
Where do I go ... ... ..These companies are taking advantage and ruining the little guy, while they laugh all the way to the bank ... ..Now I am sure you will not investigate this to the detail to see all nuances that have taken place. The government allowed us to take a forbearance due to covid and now the mortgage companies are pouncing on the consumer which is going to cause a mass foreclosure rate - this is not just a me problem this is going to be an us problem ... unless these companies work out a plan a fair plan ... ... ... There is some sort of dirty dealing here ... 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and see some violations on an account reporting to all three bureaus, Now, i did submit disputes last week to XXXX and Experian showing that this account was Verified. According to the FCRA everything has to be 100 % accurate across the 3 Bureaus. The account that I'm referring to is to XXXX XXXX XXXX  # XXXX. I'm Disputing the date last active so, like i said everything has to be 100 % correct across the 3 Bureaus and if not its a Violation of the FCRA. Below ill be uploading a picture of the credit report, but its showing 3 different dates as follows for XXXX its showing XX/XX/XXXX for Experian its showing XX/XX/XXXX and XXXX is showing XX/XX/XXXX. As you can see this account has been re-aged and that's a VIOLATION of the FCRA and need to be REMOVED.
Product: Bank account or service

It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud