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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX
Product: Student loan

This is a case of identity theft. Navient Solutions ( A spin-off of XXXX XXXX XXXX ) is attempting to collect a debt from me that is n't mine. Over the past several years this debt has been reported on my credit report and has been disputed with each Credit agency. Periodically I would receive collection calls from various agencies attempting to collect the debt which in each instant would be higher that the last because of interest. In the past 2 months I have gotten XXXX letter and XXXX calls trying again to get me to pay on this debt. I feel there is no other recourse at this time but to file this complaint and seek legal assistance in this matter.
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit Card was issued from PNC Bank and it was used without my knowledge. My SSN is : XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Vehicle loan or lease

On XX/XX/19, I called Toyota Financial Services to bring my overdue account current. Although I had previously had a late fee waived, I requested it once more. The request was denied, which is understandable. I explained that I had attempted to sign up for auto-pay to avoid future derailments, but had not been able to properly complete the process. I'm writing this complain to bring to management 's attention to abhorrent way I was spoken to. The agent was so rude and condescending. I'm not going to type out my own pity story of why things have been a struggle lately. I feel that it's redundant -- everyone has a situation. What disturbed me was the agent 's accusatory tone, her rapid answers without listening, and her general demeanor over the phone. I want this complaint to be formal so that this agent can truly understand how she made me feel. I was made to feel so, so small. I immediately brought my account current, but was made to feel as if I had lied, as if I had committed a crime. Literally when all I called for was to make sure I paid what I owed. The agent 's ID id : # XXXX. I think she should be ashamed of herself. I hope management allows her to read this complaint. I hope she knows that she is the reason I will never be a Toyota customer again after this current lease is over. I do not ever want to be made to feel less than ever again. The shame she made me feel with her tone is not something I will quickly be able to forget.
Product: Credit reporting or other personal consumer reports

The company XXXXXXXX XXXX XXXXXXXX received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and XXXXXXXX XXXX  failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score.

S

ection 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses. 12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.
Product: Debt collection

Upon reviewing my recent credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Debt collection

Capital One ruined a perfect relationship with me by refusing to investigate the fraud made upon my account. I have a police report to show cause that my personal information has been stolen for unknown purchases with Capital One totaling {$30000.00}. I received a statement dated XX/XX/year> with my name and address with a company I have had no affiliation with. I made a police report due to the theft of my Identity and use of my card ; the report number is # XXXX. Capital One closed my credit cards wrongfully by fraudulent acts after being with them more than 10 years and was never late paying. I domicile in XXXX State and all purchases on their statement is taken place in XXXX where the culprits who stole my identity and credit reside and operate their business. I also have an Identity Theft FTC Report # XXXX. I have called Capital One several times and have provided them with the Police Report and FTC Report and they continue to ignore the proof. I have also researched and found the company information on XXXX Corporation Commission showing my name as XXXX without my consent or knowledge until now.
Product: Mortgage

On XX/XX/2020, a mortgage payment was made to PHH Mortgage. The payment was made in the morning and was done through their website.The payment is not showing on the website nor in the payment history. The company did send a letter mentioning the payment made on XX/XX/2020 that is enclosed. I also enclosed copies of the statements which do not show the payment being made. The company sent back the payment twice and then called ten days later requesting another routing number stating that the routing number used is not working properly. I have had problems with the parent company in the past ( Ocwen ) who put my home in foreclosure using the same practices. I would like an investigation to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec OfficXXXX ) to resolve all other customer cases. 

Today, XXXX XXXX, 2019 I called to XXXX and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XXXX XXXX, 2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Product: Checking or savings account

1 ) My claim is against Wells Fargo ( WF ) for improperly labeling XXXX authorized payments as " Stopped Payments '' filed as ( XXXX - federal bank code ) for " customer initiating stop-payments ''. 

2 ) Upon request WF claimed they could not identify eight of the nine stop payments my lender accused me of ordering. One of the nine alledged orders they did identify and would not provide evidence of my initiating the one stop payment of nine. I sent the misnamed itemized ledger ( attached ) to WF 's Enterprise Fraud Division. The evidence of errors ( attached ) are merchant processor statements provided by my lender. I was dismissed in a written notification and the case was closed indefinitely. 

XXXX ) WF claims that the lender could not access my account to debit my payments for XXXX months from XX/XX/year> to XX/XX/year>, leading up to the lawsuit filed by the lender in XX/XX/year>. However, XXXX misnamed transactions are reported by WF on the merchant processor statement within the respective nine months. 

XXXX ) WF 's dismissal and denial of the misnamed transactions ever occurring, paired with merchant processor statements leveraged to file suit against me is contradictory to the bank stating the stop payments do not exist. 

5 ) WF 's misnamed transactions and denial of their ever being ordered perpetuated the lender to wrongfully accusing me of lying. 

XXXX ) The lender claims WF 's " XXXX '' bank code issued to their merchant proccesor was sufficient evidence I intentionally mitigated remittance with nine orders to stop payment. The lenders accusatory false claim led to default, breach of contract, and subsequently they filed suit naming me personally and my company.

7 ) Wells Fargo claims I ordered one-stop payment and denies eight of nine XXXX exist. The lender states the evidence of all XXXX XXXX 's sent directly from XXXX to their merchant processor legitimized deceptive intent to evade payments. 

8 ) WF essentially eviscerated eight of nine XXXX published by the merchant processor. The Lender claims they publish what WF disseminates as official bank transactions. 

XXXX ) Derogatory court records and a Notice of Summons filed have destroyed my credit scores and 100 % blocked access to capital, leaving my business in XXXX. XXXX stop payment orders falsly documented on a merchant processor statement and a lawsuit causing irreparable harm with millions of dollars in losses is evidently insufficient evidence for WF to admit they failed to protect their customer.. 

Lender is XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports. 


Inquiries 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX, 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Product: Debt collection

Received a summons for a credit card debt lawsuit. The creditor is Portfolio Recovery Associates. I was never made aware of this debt nor did I receive ANY communication from them prior to being served a court summons. Based on reviews from other people this seems to be a common practice with this company.
Product: Payday loan, title loan, or personal loan

I recently applied for a line of credit through Amex. They has a hard time linking the correct bank account. I was told they could not link it because it was linked on another account. So they removed it and it still wouldn't linked. A trouble ticket was submitted. I have called and emailed and have asked for a call back and still no updates a or call back. But yet I'm still getting messages I show no money in my accounts because they still have the bank I don't use and yet no resolution or update on linking my current bank. no alternatives given. please see attachments.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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: Consumer Loan

I was applying to Citizens Bank/Citizens XXXX XXXX XXXX XXXX XXXX, RI XXXX for a loan in reference to the XXXX, as per : XXXX The XXXX Upgrade Program is financed through : Citizens One Subject to eligibility* I applied in store on XXXX XXXX 2016 - was denied, due to the XXXX employee mistyping information. The employee did n't verify the information so I was declined loan, I waited 75 minutes and called Citizens One to get a case started to resolve the issue, was given a dispute number.. I wated the requiste days, and was told that CO Bank would reach out to me. They never did, so I engaged again only to be told they would reach out within a couple more days. I had to have the agent send me an email to verify they would. The agent gave me my needed details. I waited, no call so I engaged again and the next agent didnt seem to know what I was calling about. I gave my dispute number and they seemed to think I had just started calling ; after I got her manager I was able to get some details. The department that handles the disputes for this issue ( ironic they need one ) had a decision just no one called me. So I had yet another manager level agent send me an email guaranteeing that the bank would contact me ; but at this point realised the fact that I have to have the company email me to ensure they stay honest sort of scares me a bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's information is appearing in my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( equifax ) XXXX XXXX XX/XX/XXXX ( equifax ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you
Product: Mortgage

On XXXX XXXX 2014 I sent a letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America requesting certified copies of " any and all documents '' relating to my loan ( see attached ). I received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained several documents. None of the documents were signed or stamped by a notary or had any indication that they had been certified to be true copies of the originals. 

The documents indicated the ( original ) lender to be America 's Wholesale Lender/Countrywide Home Loans. There was no document advising that the loan had been transferred among the documents sent. 

On XXXX XXXX 2014, I again sent a certified letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America stating that the documents received had no indication that they had been certified as true copies of the originals. I also informed XXXX XXXX that there were no documents indicating compliance with Title 12, Chapter 27, Section 2605 of the USC. I again requested certified true copies of the original loan documents as well as certified true copies of the notification of transfer of the loan. 

I again received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained the same documents sent previously. Again, there was no stamp, signature, or letter to indicate that the documents had been evaluated by a notary or other impartial entity and determined to be true copies of the originals. Again, conspicuously absent were copies of the transfer notification documents, certified true or otherwise. 

The nature of my complaint is as follows : Bank of America has violated Title 12, Chapter 27, Section 2605 of the USC. Specifically, Bank of America has failed to provided requested documents on more than XXXX occasion as provided for in paragraph ( e ), ( 2 ), ( C ), ( i ) of the above referenced code. Specifically, Bank of America ( and America 's Wholesale Lender/Countrywide Home Loans ) failed to provide timely notification of my loan transfer as directed in paragraph ( f ), ( 1 ), ( A ), ( B ), and ( f ), ( 3 ). 

Based on Bank of America 's inability ( or refusal ) to provide the requested documents, and coupled with the fact that Bank of America has been fined for 'irregularities ' in its handling of mortgages it is doubtful that Bank of America is in fact the legal mortgagee and that I am actually indebted to Bank of America XXXX
Product: Debt collection

Rozlin Financial Group is reporting a collection on my consumer report that is harming my credit. I do not know them and I have never conducted business with them. Rozlin Financial Group Inc is either a third party debt collector or was assigned this alleged debt. I do not have a contract with them. 
They have seemed to obtained my personal identifiable information without my consent. NO CONSENT IS IDENTITY THEFT. I demand proof that I consented to them obtaining my personal identifiable information if they believe they somehow obtained it. I revoke any consent that Rozlin Financial Group think they have to obtain my personal identifiable information. This is also fraud. They have communicated with me numerous times to extort money from me I do not owe them. If they are a third party debt collector I demand that they send me proof of ownership of this alleged debt and proof of authority to collect. I also demand that this proof be sent by a natural person who will accept fully liability for harming my personal credit. I also demand the forward flow agreement/ purchase agreement if they purchased this alleged debt NOT BILL OF SALE. Rozlin Financial Group has also violated the Fair Debt Collection Practices act by not informing me of my rights within 5 days of initial communication with me.
Product: Credit reporting or other personal consumer reports

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 : XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Experian has been reporting that I have : Serious Delinquencies and public record of collection filed Time since delinquency is too recent or unknown Lack of recent installment loan information I have filed, during the last few months, two disputes with Experian about these comments. They list many of my accounts and ALL SHOW NEVER LATE. I requested they send me a list of any delinquent accounts. They never responded. After the first dispute, they notified me the errors were corrected. They have never responded to my second dispute. The incorrect negative comments continue. 

I had a XXXX XXXX bankruptcy that was discharged on XX/XX/year>. I never had any delinquent accounts during that procedure. I made payments to all accounts, even the ones included in the bankruptcy. 

This incorrect report is causing me problems and they will not correct it. The other two credit reporting companies do not have this same negative comments. I seems Experian made this up because I have a bankruptcy.