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

I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.
Product: Checking or savings account

I have a financial problem so I ended my account closed to avoid overdraft fees I know Im responsible to bring my account current but I dont get paid for 2 weeks so I asked to close my account and I will pay the XXXX  dollars I owed as soon as I got paid because I couldnt cancel my automatic payments until I put a new checking account they refused to close it and are charging me XXXX daily for overdraft fees that same company keeps trying to charge I tried speaking to costumer service they dont care to help me
Product: Vehicle loan or lease

I took out an auto loan with US AUTO Sales on XX/XX/XXXX for a XXXX XXXX XXXX. While I was late on some payments a few times, I was never notified that my account would be closed. 
My last payment was XX/XX/XXXX. 
My account was closed and sold to a company called XXXX XXXX XXXX on XX/XX/XXXX. 

When I saw the change to my credit and that the account was closed, I tried to go to US Auto sales location in my city of XXXX, GA and was surprised to find that it was closed. All of them are now closed. It would appear that the company itself has/is dissolving and sold all of their loans to debt collectors. 

My problem here lies in the change to my credit. My XXXX XXXX dropped almost XXXX points because it shows I paid off my account, when clearly I did not. Meanwhile, I still have to pay to the debt collector ( Westlake Portfolio Management ), and those payments/account are nowhere to be seen on my credit. 

At the end of the day as a consumer, I was using the car loan to build my credit as well. My goal with this complaint is to hopefully repair my credit before I have to find a new apartment this year! 

To whoever is reading this, thank you.
Product: Debt collection

XXXX XXXX XXXX charged me XXXX  months worth of rent for not breaking my lease but for not giving XXXX day notice. The debt is now been referred to a collection agency. 

Per Ga Law, The general rule in Georgia is that if a tenant abandons rental property, before the lease expires, the landlord is not required to mitigate damages by re-letting the apartment. The landlord can allow the abandoned unit to remain vacant and hold the tenant responsible for rent that comes due under the lease. This rule applies unless the landlord accepts the tenants surrender of the property or the tenant successfully terminates the lease by following the language of the early termination provision of the lease. The landlord does not accept the surrender merely be accepting the keys or by entering onto the property. However, if the landlord retakes possession of the unit and re-rents the unit or allows others to live in the unit, he can not hold the tenant responsible for rent owed under the lease. 

I did not break my lease and the apartment refuses to confirm when they reletted the unit which I am positive was within 60 dys.
Product: Mortgage

XXXX and XXXX XXXX have two mortgages thru Shellpoint Mortgage. On XX/XX/XXXX they suffered a total loss on their home which was insured thru XXXX XXXX. 
The contacted Shellpoint in XX/XX/XXXX and got two mortgage payoff 's, they next sent the XXXX XXXX check which was payable to both them and Shellpoint Mortgage for the 1st and 2nd mortgage. The difference between the funds from XXXX XXXX and Shellpoint the XXXX got a check and sent from XXXX XXXX XXXX. Both were received by Shellpoint, they acknowledge they received the checks but are not applying them to the 2nd. Over a month has passed and interest is accruing, soon to be 30 days behind because they have not applied the payment. Several Customer Service people, Loss Draft people and supervisors have been contacted with no help or return call. 
We need somebody to properly apply the funds sent and release us from this mortgage. They need to make the payment retroactive as they have had the payoff funds for at least 45 days. No one seems to help they just pass you around to the different departments. Also XX/XX/XXXX loss of two payments made to DITech.
Product: Checking or savings account

I submitted a claim for unauthorized debit card usage on XX/XX/2024. 
I had requested a pin and card be mailed which I never recieved. 

Someone then took this info and used it for XXXX of charges. 
Wells fargo denied the claim saying they had the pin. I said of course they had the pin it was mailed. 

I also requested the information used In the proceeding and to appeal my dispute. They said I couldn't appeal. 
And that I'm a liar. 

They are breaking the law by not providing provisional credit and information regrading the investigation.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXXXXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting

I had a mortgage with hsbc Mortgages, I got in contact with your agency XX/XX/XXXX and they responded by cancelling the mortgage and recording it with the XXXX County courthouse, they also informed me they would delete the info from all the credit bureaus, come XX/XX/XXXX XXXX and Equifax have gone back to reporting this mortgage. They also have been reporting the same mortgage with Bank of America-I have made several attempts to have this removed as this was NEVER with XXXX and they have refused. I also spoke to XXXX and they have no knowledge of owning this debt. I also need them to stop reporting my XXXX account as this was part of my bankruptcy and all the accounts that they previously removed as per my creditors request. i dont know if there is a glitch in the Equifax database but as a result of their reporting the previously deleted items my credit score has taken a serious drop. 
I am also asking them to remove the address : XXXX XXXX XXXX XXXX, # XXXX XXXX and XXXX XXXX XXXX, XXXX-I have told them I no longer own the properties. They are refusing to update the information. and they have the mortgage for {$100000.00} for XXXX XXXX listed on my CBR-this was also discharged and previously removed.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  XXXX/ {$0.00} / XX/XX/2022
Product: Credit card or prepaid card

Unauthorized inquiry reporting on XX/XX/2022. I tried resolving this issue with the company but no actions were taken.
Product: Credit card or prepaid card

They was suppose to send me a card wit my first unemployment check on it but never got it
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???
Product: Debt collection

My credit report is showing a collection account from SEQUIUM ASSET SOLUTION on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Product: Credit reporting or other personal consumer reports

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. 
( ii ) The consumers name and mailing address. 
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in XXXX ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( XXXX ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector XXXX disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Product: Mortgage

The loan servicer has made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued notices of default for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. The servicer is not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. The servicer denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submitted loan modification many times and Ocwen continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by the servicer. The servicer is subject to an existing Settlement Agreement with my state 's Attorney General, and my loan is eligible for coverage under that order, but the servicer denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home.
Product: Debt collection

First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

XXXX XXXX has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for Synchrony XXXX for a paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.
Product: Mortgage

I have requested that the mortgage company remove my escrow account. According to the terms of my mortgage, once I have more than 50 % equity I do not need to maintain an escrow account. My current balance is under {$14000.00} on a home valued over {$180000.00}. I have repeatedly called and communicated in writing with the mortgage company to cancel my escrow account. I have not had any appropriate communication from the company. When I call, I am told the person can not help me, but that a supervisor will call me back. In the 7 months that I have been complaining to the company, I have not received one call back. The last notice was sent electronically with encryption, and the company failed to provide an encryption password, so I have yet to read a notice almost a week old. 

Currently the company is charging me XXXX per month on escrow. This is more than the XXXX XXXX XXXX payment, and they have not responded to any requests for correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax in reference to accounts that have been lingering on my credit report for more than 10yrs a lady inforrmed me after 10yrs they would no longer show on my report not one of them is deliquent or have derogatory remarks so why does my credit report show 61 accounts with only 18 open.
Product: Credit card

On the XX/XX/XXXX I applied and got approved for the American express platinum card that came with the bonus promotion promising XXXX membership rewards points after spending {$3000.00} within first 90 days ( see attached document 1 ). 
On the XX/XX/XXXX American express took XXXX membership rewards points away from my account ( see attached document 2 ). I received email explaining that my points were taken away and claiming that the points have been earned in inappropriate manner????? ( See attached document 3 ). 
I have called American Express to inquire about points adjustment, the agent stated that the points were clawed back because I have closed the card, and there is no way to get points back. I informed agent that there is nothing in Terms and conditions about removing bonus points if the card is closed. Next Agent helped me file claim/inquiry with American Express regarding the XXXX points adjustment. After speaking with XXXX at American Express Membership rewards department, she informed me that the qualifications were not met to receive bonus. 
When adding all my purchase minus fees and adjustments, and returns my total spends for first 90 days was {$3300.00} ( see attached document 4 ). 

Please add my purchase manually and deduct the fees, adjustments and returns and you will see that my purchases in first 90 days well qualify me for the XXXX bonus points. 
There were no fraudulent transactions and points were obtained in good faith. 
I honestly think this is computer error and it can be corrected if reviewed correctly.
Product: Credit card

I was charged a past due fee and account status locked into past due status the day my payment was due. Instead of seeing my typical monthly payment it required me to pay XXXX payments in order to get the account out of past due status. I paid half of the balance I seen and called later. When I called later to report the error spoke with XXXX XXXX and he insisted that they had the right to charge me a past due fee the day my payment was due and there was nothing wrong. He also laughed at me during the process. This feels unfair deceptive and abusive
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a just a legal attempt to get American Express to remove a credit report. I sent them Certified return receipt correspondence and after 30 days they failed to provide me with any information. After the failure and giving the due time I sent another letter giving them 10 days to show proof of the debts or delete the file. My letters were carefully written under guidance from a credit counselor and the only response is that they can not comply because they have a wrong address associated with my account.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I w

as the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXXXXXX, XXXX. XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to Equifax in relation information I received from Foremost my Auto Insurance Company.

Equifax reported to the insurance company an address that was commercial, never residential. Once in XXXX, I had an office there. I don't, nor have I ever lived at the XXXX XXXX XXXX XXXX XXXX address. 
When I try to log onto the Equifax site I am provided information for accounts I have never had in my life. 
On XX/XX/XXXX, I emailed my driver 's license and my Electricity Bill in an attempt to have them remove the inaccuracies from my account. 
On XX/XX/XXXX, I faxed my Driver 's License, My Electricity Bill, my Voter ID, My XXXX XXXX XXXX Card to Equifax. 
Someone should be able to talk to me when I am able to talk with them. No one responds to voicemails. No one responds to US Mail and you have to already not have a problem too log on to Webmail. On XX/XX/XXXX, I also used the webmail form to make my complaint. Now, it is XX/XX/XXXX and my insurance is still higher than it should be because this consumer company is not responsive to consumer complaints. Please help me. I simply want the correct information on my consumer credit report. 
XXXX XXXX