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

XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud XXXX of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my tri bureau credit reports of XXXX equifax and XXXX. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and XXXX people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS XXXX persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went into XXXX XXXX today to check my credit report and noticed I had a debt from Debt Recovery Solutions for {$150.00} from my understanding this debt came from a pay day loan. I have never ever used a payday for money especially for a {$150.00} I have an husband and family members I could have gotten a {$150.00} from. I had this problem once before someone had use my information for cell phones and cable company. I am pretty my information was used but it wasn't me and this need to be removed off my credit report.
Product: Debt collection

Collection account opened XX/XX/2017 {$280.00} Was making payments for two months, stopped receiving any mail, emails, texts or calls, several months later I get my score checked and i owe the collection agency who also never sent any mail, calls, or emails.
Product: Debt collection

I have closely been monitoring my credit reports. My credit reports have two debt amounts of {$720.00} and {$1200.00} from Stern Recovery Services whom they have stated I owe Stern Recovery Services. After speaking with a representative from Stern Recovery Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Stern Recovery Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the Stern Recovery Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Stern Recovery Services and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Stern Recovery Services can furnish to me.
Product: Credit card

I was notified on XX/XX/XXXX  that my credit had changed and sent congratulatory emails by Chase Bank about my new Chase Sapphire card. I immediately called and was passed around to many different Chase representatives that day. Some telling me I applied for the credit card on XX/XX/XXXX. Others representatives telling me I applied on XX/XX/XXXX. The card was opened in the amount of {$27000.00}. Then Chase tried to cover it up and say I was hacked and it was done online. The card applied for was sent to my mailing address and no other funds were taken from my account. I have tried asking Chase for more information multiple days and I keep getting the run around. The last day I reached out was today XX/XX/XXXX and I received a different story that the credit card was applied for on XX/XX/XXXX. Then I was passed around and on hold for over an hour after I said I wanted to file a complaint because I believe someone at Chase opened this account without my consent to meet a sales goal. After waiting I was coincidentally disconnected. Chase will not give me a straight answer.
Product: Credit reporting or other personal consumer reports

NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX  Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXXXXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social is XXXX.
Product: Money transfer, virtual currency, or money service

I sent a paypal somehow to an invite from someone's old email, and the money was accepted, then I resent to the same email and it was not accepted, I updated to this person 's new email, and then I had to dispute past issues, and the person is having trouble receiving correct money, and my dispute has taken 3 weeks to handle with no solution. I've been charged interest fees and experienced XXXX   from the poor transactions, taking money out of my cards that I do not prefer. 

This old incorrect email is for a " XXXX '' account, and the current correct email is for a " XXXX '' account. Here are the exact emails in this situation 1. Old incorrect : XXXX 2. New correct : XXXX XXXX
Product: Debt collection

As my federal rights pertaining to federal law, I am the original creditor and natural person, I have been given false and misleading information regarding my credit as a consumer.
Product: Credit card

I still have the collection sitting in my credit report form XXXX XXXX ( XXXX ) and I paid it on XX/XX/2015
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$8900.00}
Product: Mortgage

Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, XXXX and Transunion stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX CARD SERVICE XX/XX/XXXX 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealership took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX
Product: Credit reporting

I disputed information on the following accounts to Trans-Union Account Resolution- XXXX XXXX XXXX XXXX XXXX XXXX stated that they verified the information as verified and on the company response received by Consumer Financial Protection Bureau that they did not have any validation on the following accounts.
Product: Debt collection

After carefully going over my recent credit report, I noticed several unauthorized accounts that seem to be incorrect and were added without my awareness.
Product: Mortgage

Attempting to get PMI removed from a PennyMac USA loan. At first I attempted to get PMI removed when the loan first reached 80 %. They ( in their right ) told me I needed to get an appraiser to confirm the property had not lost value. I think just a XXXX or XXXX search of the area should have been good enough but they requested an appraiser. I was used to good lenders which automatically terminated on request at 80 % since they new of market values. So now my loan has currently reached 77.9 % LTV and I requested termination but they are telling me I still need and appraisal. They are also telling me that I need to wait until 75 % LTV. I have asked them where that is listed as I do n't see it anywhere in the Homeowners Protection act or on the Consumer Financial Protection website. If contacted I can attach a word document that lists the E-mail exchange between PennyMac and myself in XXXX short pages so there will be no misrepresentation on what was said. Thanks, XXXX XXXX
Product: Credit card or prepaid card

I recently open a children place credit card and have been charge XXXX late fees. 
My credit card is due on the XXXX of each month. In XXXX This was my first time making a payment and hadnt realized I missed my due date by 4 days I was I was paying through the mobile app because the telephone service was already close and that in itself was a very frustrating process because the app makes it very difficult to even find manage credit card payment they put it in the smallest font ever and you have to create another account username and sign in to make the payment in addition to the regular app I thought I was going to be in a 10day grace period or that the late fee was already added so I paid the full statement balance. The following month I didnt even realize I had a balance and just had happen to check my mobile app on the actual due date of the XXXX so Immediately made the payment now I see I was charge ANOTHER late payment because they said I had to make the payment by XXXX. This is unreasonable and unrealistic for a new mom that works from XXXX to XXXX most days I have perfect payment history and had a XXXX credit score if not higher and has now dropped by the time I am able to call customer care they are always closed and the virtual chat is not much use and I cant find a email to submit dispute.. I feel there tactics are predatory to make clients purposely default and even when you make full statement balance they charge you late fees several days after I made my payment on the due date and check the app several time the next few day to make sure I wasnt charge another late fee and now I check and see I have another late fee of charged 11 days later! There are plenty of other banks that honor you payment no matter the time even it they process It on the next business day. I feel this very wrong and want dispute and closed the account I will not continue doing business with children place.
Product: Debt collection

I moved out of the apartment XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX # XXXX at the agreed time and paid all my rent and utility bills on time, leaving the apartment cleaned. I never received any notice of any unpaid bills since then. I never received any security deposit back with itemization of deduction either. 7 months later, suddenly my credit score was negatively impact by a collection agency without any warning or notice of any kind. The collection agency indicated I owed {$450.00} on top of my security deposit {$200.00}. They have never sent me any itemization of deduction and never sent me any owed debt bills. Cleaning the already cleaned apartment shouldn't have cost {$640.00}. Also, the collection agency should've contacted me to verify the debt and negotiate a resolution before sending me directly to the credit report agency thus unfairly and wrongfully hurt my credit.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On my credit report is National Credit Adjusters for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for XXXX XXXX. I haven't had a XXXX XXXX loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a call from American express asking me if I had received calls or letters from them, gentleman informed me he would place my call on hold asked for agent I'd,, agent mentioned we are not allowed to hand out, I suspect fraud
Product: Mortgage

gentleman. I did apply and approve for my home refinance mortgage with bank of America. they took in advance around {$500.00} for credit report and home appraisal.

the loan officer made a mistake and after the loan was approval by the underwriting said my loan was cancelled because I was in a temporary loan modification with my present lender ( XXXX  ) I disclose that at the beginning, verbally and in writing in the application of the refi. 
the loan officer told me that, was not a problem ( the temporary modification ) so he collect the money for the appraisal and the underwriting approve the loan. 

later on, someone review the application and said the temporary loan modification was a problem and denied the refi. But I told them at the beginning and mr XXXX and XXXX told me that was not a problem. so they took my {$500.00} and refused to return the money and get in contact with me .loan officer Mr XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX they made a mistake and made me paid for an appraiser I want them to get in contact with me and get my money back. 

Mr XXXX told me I ll received a letter that explain why my loan was cancel. 
they lie to me never received any letter and they don't answer my calls. 
I want a writing explanation and my money back. Please help me. 

yours XXXX XXXX XXXX XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my consumer report and noticed addresses that are not mine and that I have never lived nor dwelled at being reported to my consumer report and associated with my name. I have requested for these unauthorized addresses to be removed from my report as they are being housed and shared without my consent. FCRA states that only accurate authorized information is to be reported to my consumer report. Please remove the following addresses listed below from my consumer report being they risk my personal information being exposed and accessed without my consent. 

Please remove : 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
Product: Credit reporting or other personal consumer reports

The following addresses need to be removed from my credit profile as I have no association with them and the employer should be blank. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, NC XXXX The following Employers Need To Be Removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection notice from this agency without ever receiving any notice of the claim prior nor validation of the claim such as utility statement. Agency stated no further action would be taken until validation was secured. Posted to credit agency which has cused a denial for apartment rental