23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Commonweath Financial has placed this account on my credit report-it is not mine. I have disputed it and requested based on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act numerous time for them to validate it. They never have, they continue to ignore me.
Product: Credit reporting or other personal consumer reports

I checked my credit report with wallet hub and realized my name is completly wrong and my address see my dispute as listed below. 

To, Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address : 1.MY NAME IS TOTALLY WRONG AND THE CREDIT LINKED TO IT. MY LEGAL NAME IS XXXX XXXX XXXX XXXX SEE SOCIAL SECURITY CARD ENCLOSED AND DELETE THE NAME XXXX XXXX XXXX WRONG. 2. MY CURRENT AND CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX SEE PROOF OF ADDRESS UTILITY BILL AND CHANGE IT TO THE ABOVE ADDRESS REMOVE THE ADDRESS OF XXXX XXXX XXXX XXXX XXXX, SC
Product: Checking or savings account

I closed my account on XXXX/XXXX/2022. Bank charged me a fee on XXXX/XXXX/2022. Why is the bank charging me a fee on a closed account. This is highly predatory.
Product: Checking or savings account

I was a customer with Wells Fargo from XXXX to XXXX so many times I had money missing out of my account unauthorized transactions and I would call the bank and I would notify them about it and in XXXX same thing kept happening and then they decide to take away my ATM privileges for a whole year then they just close my account out of nowhere my checking and savings account without any explanations
Product: Mortgage

When we did our home equity loan we had two parcels of land that were included in the Mortage and should have only been one. The deed for the second land is tied up and we are unable to do a home equity loan on the second parcel. It has been around 45 days and planet home lending is dragging their feet on releasing the second parcel. I have called multiple times and gotten very little information about what is going on. The people handling it will not call us back.
Product: Credit reporting or other personal consumer reports

These inquires have been added to my credit report without my authorization Wells Fargo Dealer S, 2022 I disputed them and they remained on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

5. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I tried to get a temporary release of a freeze on my credit report with Equifax. 
It took XXXX or XXXX tries over XXXX minutes or so on their website to get to a pdf with the release code. The one time pdf did not open. I was asked on the webpage to call a number. 

After several questions, I was asked to submit ID by mail. I asked to speak to a supervisor. After XXXX min on hold, I worked through the same list of questions again and was told " I passed '' and that they would send on something - whereupon they cut off the call. 

After XXXX or so minutes of my time wasted by incompetence, I still don't have the temporary pin to release the credit freeze. 

For comparison, the process with XXXX on their website took about less than XXXX minutes total.
Product: Mortgage

I was 5 months ( XX/XX/XXXXXXXX behind on my mortgage and called PHH Mortgage company to resolve In XX/XX/XXXXi was told by their Rep to pay {$5000.00} by the XX/XX/XXXXor it could go into foreclosure. I called back on the XX/XX/XXXX and made the payment live directly thru their agent name XX/XX/XXXX.for {$5000.00} the next week in XX/XX/XXXXbetween the XX/XX/XXXXand XX/XX/XXXXi called back to verify the foreclosure will not go thru. I was told by their Claim manager XXXX not to worry cause no Foreclosure had started and they will stop any kind if it should happen cause my Payment took my account out of default. On XX/XX/XXXX i received a letter from POWER DEFAULT SERVICES INC, stating my account has been turned over to them from PHH Mortgage for foreclosure I IMMEDIATELY called PHH and asked them why my acct was in Foreclosure when i made the pymnt on XX/XX/XXXX and told my acct was not in Default. Rep. XXXX ID # XXXX told me they have to Investigate and apologize for the MisCommunication done on their part and that they have to pull tape to find out what happened. She told me that my acct was sent to Foreclosure on XX/XX/XXXX yet i was told i had til the end of XX/XX/XXXXand if that what she said is true the Manager should have seen in on the XX/XX/XXXX when he took my pymn and when i called back early XX/XX/XXXX. I looked on the paper the Foreclosure sent me and it state XX/XX/XXXX NOT XX/XX/XXXX so PHH is not being honest and took my {$5000.00} and now tells me they can not not do anything until the Investigation is done. This is very Unfair, Unprofessional and Sneaky on their part when i have done everything they told me i needed to do. Please help me resolve this issue please.
Product: Vehicle loan or lease

There are late payments being reported on credit that are incorrect. From XXXX. I have contacted company on XX/XX/year> and XX/XX/year> to update the inaccuracy and company has never updated.
Product: Debt collection

I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original Debtor was medical, with Dr. XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this is a payday loan from XXXX XXXX XXXX that us being reported on my account as late pays from XXXX. This company routinely sends me offers to apply for new loans as well. This should not appear on my credit report at all and certainly not with these days when thus occluded XXXX years ago. I disputed this through Experian and I was given a generic answer of late pays from XXXX XXXX I did nothing with them since then and I want this either deleted on updated with the correct information. I have no signed contracts with this XXXX.
Product: Payday loan, title loan, or personal loan

I keep getting contacted by a collection agency and can not pay.
Product: Credit reporting or other personal consumer reports

I found multiple billing errors in my credit report. These late payments are unusual for my account history. Kindly make the necessary updates to fix them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

The inaccurate information reporting on my consumer reports include Prestige Financial Services reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect.

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. Prestige Financial Services is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. Prestige Financial Services continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ).

These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
Product: Mortgage

AS I RESEARH THE SITUATIONS REGARDING OUR RESIDENTIAL PROPERTIES WHICH ARE INVOLVED IN MORTGAGE FRAUD, I AM NOTICING NOT ONLY WITH OUR SITUATION, XXXX OTHERS AS WELL WHENEVER THERE IS A DOCUMENT OF FORECLOSURE REGARDING JP CHASE MORTGAGE REGARDING PROPERTY FORECLOSURE THE DOCUMENTS ARE SENT TO XXXX AND A IND BY THE NAMEOF XXXX XXXX WHO IS NOT FOMERLY EDUCATED SIGNED OFF AS HE IS THE VP. AND THE NOTARY IS THE SAME INDIVIDUAL ON NMEROUS DOCUMENTS. THE NOTARY IS ALSO ON XXXX XXXX DISCUSSING HER FORECLOSURES. WE BEGIN TO QUESTION : 1. WHY DOES XXXX XXXX AND XXXX IN XXXX USE THIS LOCATION? 2. THE VP IS APPROXIMATELY XXXX YRS OF AGE AND AN AA MALE. DOES HE KNOW WAT HE'S SIGNING. 
4. IS XXXX XXXX PAYING HIM IN THE FORM OF KICKBACKS 5. ALSO WHY WOULD HE SIGN FOR XXXX XXXX XXXX IS HE WAS THE ORGINAL PURCHASER OF THE HOME WHICH IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE HOME WAS FORCLOSED ON BY JP CHASE AND HE REPURCHASED ILLEDGALLY VIA XXXX XXXX. THIS BASICALLY PROVED XXXX XXXX XXXX WHO STOLE OUR HOME AND THE TRUSTEE COMPLETED AN ILLEGAL SALE ND KNEW OF THE FRAUD, XXXX XXXX PAID THEM TO GET IT BACK. WE WERE TAKEN! 

THE HOME IS IN XXXX. THERE ARE INDIVIDUALS IN THE XXXX AREAR WITH THE SAME STATUS WHO COULD HAVE SIGNED OFF. NOTICE XXXX NOTARY HAS A LIFETIME PRIVILEDGE, SO THIS BASICALLY MEANS THE DATES ARE FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit that i have never applied for. 

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

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ), ( Department of Education/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  # XXXX ), ( XXXX XXXXXXXX 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.
Product: Money transfer, virtual currency, or money service

Our email system was hacked and the hackers sent us wire instruction to wire {>= $1,000,000} ( XXXX XXXX XXXX dollars ) to a business account with JP Morgan Chase. Later we learned that the business was newly setup in Texas and the business bank account was setup in XXXX, Hawaii. Shortly after the {>= $1,000,000} was transfered by us, we realized it's a fraud and tried to contact JP Morgan Chase Bank for recall of the wire. However, the fund was already transfered out Chase Bank and used by the frauder to purchase crypto cerrency. 

Chase Bank, as one of the major finacial bank in the world, faild to protect the fund. Even though we didn't know the account history by then but it should have been very clear to Chase that XXXX the account was opened remote, XXXX it was setup newly, XXXX it never has any fund transaction until this large amount, and XXXX the fund was immeditally transfered out. It should be obvious to Chase there was some thing wrong about this transactions. However, Chase didn't do anything about it. When Chase openned up the account for the business, not enough XXXX has been done to make sure this is a legit business account and the person who open up the account is really with this business. Chase 's failure resulted our loss of millions of dollars. 

I believe many more have been victom of frauds which a financial instituion like Chase can stop.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX and XXXX report. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXX Amount of {$7800.00} I never had a contract with this debt collector for any debt and I am a victim of ssn data breach and my social security number has been compromised. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

I sent letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.
Product: Checking or savings account

I deposited a check into my relative chase account and they close her account and there hold my funds not trying to void or release the funds when the funds have been cleared. Ive done everything possible to verify myself for chase so Im have this complaint that needs to be seriously looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Today I called Experian to discuss the Identity theft that has been reported multiple m times and lastly on XX/XX/year>. I advised the agent that the items alleged on the identity theft report was to be blocked and deleted 4 business days after the date of receipt by the agency which was XX/XX/year>. The agent stated that 15 USC sec 11681c-2 does not apply and it will take 30 days. Experian is now in violation of my rights and also involved in identity theft they do not have my permission to share, post or have access to my credit card number ( social security Number ) They were not able to furnish a copy of the XXXX XXXX or ssa form XXXX showing I have every given them permission to file, log, share any of my private transaction history or information. I was violated again today when the agent yelled at me and made fun of me being a victim of Identity theft.
Product: Mortgage

On XX/XX/XXXX, I received a letter in the mail from the XXXX XXXX XXXX XXXX XXXX Department for XXXX XXXX stating that my XXXX taxes had not been paid and if the payment was not received by XX/XX/XXXX, I would be named in a lawsuit. I immediately contacted my lender, Wells Fargo about this and was told that the situation would be escalated to a tax specialist and I would be contacted in 6 to 10 days by mail with a resolution. I spoke to XXXX at Wells Fargo. I was not provided with a last name. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX tax and spoke to XXXX. I was told by XXXX that if they did not receive the payment by XX/XX/XXXX, that my tax bill would be turned over to a different department and legal proceedings would start and that my home would be put up for auction. I was also told by XXXX that a lender was not listed on my tax card. I asked if I could provide the information and was told that the lender would have to do that. I also asked XXXX if my XXXX taxes had been paid and he said no. After I spoke to the County, I contacted Wells Fargo again to try and escalate the situation and was told that the earliest I could call back in to check on it would be Friday, XX/XX/XXXX. I explained that on top of the taxes showing unpaid, an additional interest charge had been added to the account and was told by the person at XXXX that I spoke to that XXXX would be responsible for any amounts over and above the tax amount that was due. The transaction history on my Wells Fargo account shows that taxes were paid for XXXX on XX/XX/XXXX and for XXXX the taxes were paid on XX/XX/XXXX. To date, the county has never received payment for my taxes. If XX/XX/XXXX comes and this is not resolved, not only will more fees be added to the XXXX tax bill but the XXXX tax bill will also have additional fees added to it as well. I have attached the following to this complaint ; a copy of the letter from the county, the delinquent tax bill, a copy of the registered warranty deed and tax card ( that was provided to the lender ). I don't think when something is this pressing with a dead line and I have a threat of loosing my home and being sued due to an error that is not mine I shouldn't have to wait 6 to 10 days for a resolution. Someone should have taken my call when I called in and called the county and resolved it that day. I shouldn't have to be under this kind of stress and worry when I didn't do anything wrong.
Product: Credit card

A new bank took over from the previous one, from XXXX to visa ( fidelity credit card ). I setup auto-pay but they failed to take payments, failed to notify me of unpaid balances. I had been a customer for at least 5 years, maybe 10, never late, always paid balance in full with auto-pay. They cancelled all fees and interests once I called them, however they refused to undo their reporting to credit reporting agencies. It turns out that while they did not feel necessary to communicate with me for the unpaid balance issue, it warranted immediate notifications to credit agences. They refused to reconsider this action. It is unacceptable that a corporation can at their whim damage my credit report with the only recourse that I have is a lawsuit.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed derogatory and collections that i did not make nor did I approve anyone to pull my credit.
Product: Payday loan, title loan, or personal loan

I got a loan in a  Furniture  store for my goods.   XXXX   XXXX   is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on  XXXX  and  XXXX  ; They put it in contract twice and the interest increase another %. By today (  XXXX  ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they couldnt provide any information with a physical signature these accounts are mine they are harassing me and constantly calling from unknown numbers
Product: Checking or savings account

The funds in the trust account became mine as of XXXX XX/XX/2024. I filled out all requested forms, notarized signatures, etc. as requested by trust holder ( Wells Fargo ) well in advance of this date, as requested by trust holder. They confirmed that everything was in order, and I owed them nothing else. It has been 10 days, and not only do I not have my money, but I can't get any information on when they plan to transfer it to me. Numerous e-mails and calls have been fruitless.
Product: Debt collection

I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.