23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX I had severe health problems which led to me being forced to be under XXXX XXXX XXXX  Luckily for me the health issues I was able to overcome, after staying in the XXXX for over XXXX weeks I was then transferred to a XXXX XXXX  for another XXXX weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the XXXX XXXX XXXX XXXX my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with UNITED WHOLESALE M has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently looked at my XXXX credit report on XXXX XXXX and i saw some hard inquiries that did not have permissible purposes i also arranged evidence 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 XXXX DATE : XX/XX/XXXX, Account name : XXXX XXXX agency Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX has violated my rights. 


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.

Delete this inquiry due to violation 15USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law continued reporting as unverified information. The XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

My cell phone number - and my brother 's - is not associated with my mother, nor does she give it out. However, a XXXX XXXX from the National Enterprise System has attained our cell phone numbers and repeatedly called with claims about our mother 's debts. We have clarified that we are not the people to speak to and that he legally must mail her information because she has no idea who this company is or what they are calling about. I have called their compliance department to complain and was sent to a voicemail. I have yet to know if they actually received my voicemail. I am complaining because someone else 's debts are not my concern and I am very upset that our numbers were found and used in an illegal manner.
Product: Debt collection

FBCS/XXXX XXXXXXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. 
I REQUESTED SOMETHING THAT I SIGNED
Product: Debt collection

FORTIVA REPRESENTATIVES ARE VERY RUDE. THEY WILL NOT LET YOU SPEAK AND OR TALK OVER YOU AFTER ASKING YOU A QUESTION. 

THEY CONTINUALLY DO THIS IN A VERY SET PATTERN AND IN MY OPINION ITS FOR ONE SIMPLE REASON, TO GET YOU SO UPSET YOU JUST PAY THE BILL AND HANG UP. 

MY CONCERN IS STILL THE SAME THAT THEY REFUSE TO ISSUE MY 6 MONTHS OF CREDIT PROTECTION TO THE ACCOUNT WHICH LOOKING OVER THE ACCOUNT WOULD ALLOW AN ADDITIONAL XXXX XXXX XXXX $ TO BE REMOVED FROM THE ACCOUNT TOTAL. 

CREDIT PROTECTION DEPARTMENT REFUSES ON THE REGULAR TO ISSUE ME A COPY OF THE FORM NEEDED TO GET SAID BENIFITS THEY ARE PLAINLY STOPPING ILLEGALLY ME FROM OBTAINING ACCESS TO THE THINGS I PAID FOR...
Product: Credit card or prepaid card

Comenity Bank ( XXXX XXXX ) on numerous occasions has charged me {$2.00} " fee '' on a XXXX balance, never sent a bill or notified me. Then charged a {$35.00} dollar late on a XXXX XXXX. I have since closed the account and will close all accounts with these scumbags.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & Experian as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet Experian somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that Experian is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for XXXX as well for violations. If not settled I will take to court to collect for damages for violations from Experian & XXXX
Product: Credit card or prepaid card

I opened a credit card with American Express on XX/XX/XXXX. The offer was for 0 % financing on purchases for XXXX months. After I applied and was approved for the card I receive no notice as to being denied or approved for the promotional interest. I wanted to confirm the terms so I chatted with AE on XXXX XXXX. I reached out several times on chat ( below ) and phone and received XXXX internal dispute confirmation codes : XXXX and XXXX. On XX/XX/XXXX I was charged {$270.00} in interest so that was finally confirmation that they were not giving me the promotional rate. On XX/XX/XXXX I was told to wait XXXX business days for the matter to be reviewed. I waited and received no response. When I chatted with AE on XX/XX/XXXX I elevated my complaint to a XXXX but received no resolution other than more delay tactics. The promotion was XXXX XXXX XXXX XXXX with the offer code # XXXX and the offers were supposed to be the following : ( XXXX ) XXXX XXXX bonus XXXX after spending XXXX in first 3 month period ( XXXX ) {$130.00} XXXX XXXX XXXX XXXX XXXX months ( XXXX ) 0 % APR on purchases for 12 months from date of opening and ( XXXX ) plan it fee 0 % introductory fee on each purchase moved to the plan within first 12 months. 

NOTE : the offer I received on a mail flyer had the above referenced code. I have since misplaced the original ( but I did receive the same offer again in the mail and email ) The email that I attached below was for the exact same offer but sent to me on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/2022
Product: Mortgage

We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Bank account or service

Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post.
Product: Credit reporting or other personal consumer reports

Greetings, I am submitting a follow up complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) XXXX, I have reported the incident to the XXXX XXXX XXXX XXXX XXXX XXXX through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANS XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX A XXXX XXXX Balance Owed : {$730.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A XXXX VI ) XXXX Balance Owed : {$85.00} ; XXXXXXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$730.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$360.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required toinvestigate any information in the consumer 's file that the consumer identifies as resultingfrom alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

My home that I have owned for 14 years is currently on the foreclosure auction block with a sale date set for  XXXX   XXXX . I blame my current mortgage lend er Wells Fargo, fo r failing to work with me or negotiate to resolve the late payments. My financial situation has changed and improved and I believe that I could qualify for government or internal programs that are established to help struggling homeowners. The problem is th at Wells Fargo re fuses to open a new review or assign an account manager to my case. The agents  at Wells Fargo ar e telling me that since I received help through a modification 5 years ago that I can never have a second chance to get modified or a workout completed. I do n't believe that this is correct, and feel that they are pushing to foreclose on me while not providing all options.     This was originally a refinance loan done through  XXXX   XXXX  in  XXXX , and it was a subprime adjustable rate loan and I was not aware that the payment would continue to increase throughout the life of the loan ; this was never explained to me. I struggled during the recession financially and at the same time my adjustable rate was going up increasing my monthly payment, while my loan got sol d to Wachovia and then Wells Fargo. I a pplied for modification help and after several months of back and forth I was granted a loan modification in  XXXX , for which I was very thankful. I made the payments as agreed for several months, but at the time my sports apparel business was in major trouble due to large outstanding debts. I ended up having to file Chapter  XXXX  bankruptcy in order to stay afloat due to the bad business debt. During that time I had difficulty communicating wit h Wells Fargo re garding the payments and also had some major legal bills to settle and as a result ended up missing some payments on the loan modification.     I tried to resume making the monthly payments but was told  by Wells Fargo th at since I had missed some modification payments that they would not accept any more payments and that I would have to reinstate all past late fees. Since that time I have been trying to negotiate with  Wells Fargo.  I appreciate the fact that I was offered an option for assistance in  2012 but a t that time my entire business crumbled under the bad debt. I am in a much stronger financial position at this time and able to afford a fair and reasonable monthly payment. The issue I am having, and the reason for my complaint is tha t Wells Fargo is refusing to even consider my request for modification, forbearance agreement or restructured loan. I have not been assig ned a single point of contact, no one has reviewed my current financial situation to determine affordability and instead a sale date has been set for  XXXX   XXXX . I understand that I am delinquent on this loan but I am in a much stronger position now and able to resolve this issue i f Wells Fargo  would work with me. I am not pleased with the way th at Wells Fargo ha s handled this mortgage loan and feel that a fair negotiation based on my current financial situation needs to happen.
Product: Mortgage

The loan was sold without my knowledge, during COVID. The original loan was held by XXXX  XXXX XXXX and unknowing sold to DCR.. The Loan with XXXX was automictically debited from account. During COVID, the loan was abated for over 9 months, during this time the loan was sold. The new mortgage company DCR, never sent statements to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this account.
Product: Debt collection

I have no knowledge of this debt or know knowledge of whom this company is. I have sent out a proof of validation letter on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX discharge ref # XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On the morning of XX/XX/XXXX approx. XXXX XXXX  I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.
Product: Checking or savings account

On XX/XX/XXXX last year I visited Chase Bank Branch XXXX located in XXXX XXXX XXXX XXXX CT. I deposited XXXX Chilean pesos that at the change of that day I should have received over {$2.00} US dollars the girl at the bank said I would get {$2.00} I agreed thinking how hard could be getting to change that money in this area. Around XX/XX/XXXX I found out the bank took {$1.00} US dollars because of a miscounting but I know what I deposited I know how much money I had. Nobody wants to review the cameras I got a police report but they only want an order from a lawyer. This entire situation is making me feel sick. I can't afford a lawyer for this and it's no fear the Bank take my money and the only solution is that I need a lawyer to review the cameras. I found my deposit ticket and I noticed the cashier at the Bank even said that my deposit was XXXX instead of XXXX I remember correctly that we counted 18 groups of {$100.00} each. The money I deposit was in {$20.00} and {$10.00} the bills of {$20.00} have an orange colour and the {$10.00} are blue. On my last call with the manager, he mentioned that they counted 50 {$20.00} bills which makes XXXX Chilean Pesos, but he never mentioned the {$10.00} bills I know there was a mistake and its no fear that I have to live all this stress. I dont know where they lost my money but I know what I had in my hands. Nobody goes to the bank with that amount of money without knowing what they have Do you think you can help me? 
My name is XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company sent me an email stating I had to make a payment by XX/XX/XXXX in order to prevent my loan from being all due at once. Not only had a made a payment XX/XX/XXXX, I scheduled this payment on XX/XX/XXXX for XX/XX/XXXX, the default date on the website. 

When the company updated their credit reporting for XXXX, they stayed I was 30+ days past due. This was not correct as the furthest due date had been satisfied and no other payment went 30+ days. When I reached out regarding this, they ignored my emails over and over, which is ironic because they violated a cease and desist over and over before that in order to contact me. When i contacted Experian to submit a dispute, they updated my credit report to include FUTHER misinformation by stating the account was in collections in XXXX, which it obviously was not if they were demanding payment for XXXX. They are incredibly vindictive and predatory. 

Not to mention I had moved to XXXX and they had continued to allow me to use their service for a year even though it was not legal in our state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.