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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXXXXXX XXXX Account ending in # XXXX for {$230.00} XXXX XXXXXXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful.
Product: Credit card or prepaid card

During the pandemic I could not pay my bill because I was struggling and still am I was set up on a hardship program to get the card paid off was told that if I paid from XX/XX/XXXX till XX/XX/XXXX which I did it would take care of the money I owed so I did just that. Then I was told by the representative at Comenity bank that the information I was given by the lady who set me up on the program that I would be done paying after XX/XX/XXXX now they are trying to make me still pay. They told me that they were sorry I was given the wrong information. Their calls are suppose to be recorded for quality assurance so how come the call was not recorded of the conversation I had with the lady that set me up on the program. I have the letter of how many months I was suppose to pay I contacted the XXXX and they are the one 's who told me to contact your location about this issue. I was then contacted again on XX/XX/XXXX the call was recorded and the representative was trying to get me to agree to pay {$20.00} by XX/XX/XXXX I told them no because that's not what I was told in the first place.
Product: Credit reporting

XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I couldnt believe my eyesthere are accounts on there that shouldnt be. I have no idea how this happened. Ive always been diligent about checking my report, and this time, everything seemed to go wrong. I even tried refreshing the browser, thinking it might just be a technical issue, but nothing changed. Im pleading for someone to carefully review the documents Ive sent so this never happens again.
Product: Mortgage

In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, CREDIT XXXX XXXX XXXX, NATIONAL XXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.
Product: Debt collection

XXXX XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREA Complaint department To AMERICAN EXPRESS TOTAL XXXX CHARGE OFF ACCOUNT AMOUNT : {$1400.00} DATE XX/XX/XXXX {$1900.00} DATE XX/XX/XXXX Dear AMERICAN EXPRESS agency manager, I am writing this letter to bring to your notice the following information added to my credit report for 2 account The amount 1- {$1400.00}. 2- {$1900.00} are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and this account has been closed over 7 years and the name of both account under limited liability business, credit reporting agencies notified to delete any trade line and this collection agency has no further contact me regarding this account.

I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
Product: Debt collection

I have Sent in Several Documents to Experian Explaining that this fraudulent debt DO NOT BELONG TO ME and provided them with evidence that this debt is not mines however they still decide to keep the fraudulent accounts on my credit file. which is a violation of my rights under the FRCA The account must be 100 % Accurate which it's not, 100 % Variable which it's not. an AUTOMATED or e-Oscar response is unacceptable so please do not send me a generic response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported me late on my auto lease XXXX times which is incorrect. They show late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is not right. I have asked for proof of this multiple times with no proof sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong names addresses and lots of inquires These things have been hindering me from obtaining credit and causing great hardship to me There is also incorrect employment information these things make it easy for thiefs to keep applying for things in my name
Product: Checking or savings account

Hello : Almost 2 years ago Chase Bank closed my law firm bank account ending in XXXX arbitrarily, capriciously, unethically, immorally, illegally and without remorse, for apparently no legitimate reason, other than what I reported to you may have been due to discrimination, political, targeting, or other malicious reasons. I have recently filed a complaint with your office about how this action is now being repeated at my current law firm bank account with XXXX ending in XXXX, and this is currently an open complaint at your office. Now please see this attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, which I literally just received, that appears to admit what I complained about before in my complaints against Chase Bank, and coincidentally arrived just when XXXX has prepared to close my account unfairly, without reason, again causing massive disruption, destruction, destabilization, disorientation, humiliation, and blacklisting of me and my law firm, and consequently my little baby XXXX who is only XXXX years old, for whom I opened up a small starter bank account with XXXX with his aunts birthday gift money of {$500.00}, and now towards my loving wife XXXX who we also opened up a bank account with XXXX a few weeks ago. Please look at my previous complaints against Chase Bank, re-open them in light of this new and attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, and also use it to look at my most recent complaint against XXXX, currently open at your office, to see if it shares any commonalities to the criminal and civil allegations that I raised, therein. I even visited the physical Chase Bank branch on XXXX XXXX, XXXX XXXX, NY XXXX this past week where I spoke with XXXX, this personal banker who both sheparded and supervised this Chase Bank closure 2 years ago, and although he said that he would get back to me about the attached letter, he never did. His equivalent at XXXX, who also promised to get back to me this past week was XXXX XXXX at the XXXX XXXX, XXXX XXXX NY XXXX, as well as his counterparts at the XXXX XXXX XXXX branches XXXX XXXX and XXXX XXXX XXXX, who seemed to both mock and trivialize these troubling events. Please urgently investigate and advise, as these people have also blacklisted me from banking at their banks, and other banks whom they share information with, thus depriving me of life, liberty, property in violation of the United States Constitution and my inalienable human rights and civil liberties as a quasi-governmental body since they are dependent on loans/money from the federal and state and local government. I enclose a few articles that I wrote recently and a few years ago wherein these banks misconduct and bad behavior inspired me to write a few op-eds about their collective actions - see XXXXXXXX  : XXXX and XXXX : XXXX Kind regards, XXXX
Product: Credit card

Synchrony Parkwest art credit card We have bought art on promotions and When I have called to make sure the money I am paying is going to the promotions toprevet occurred interest they say they have a note in the system and have designated it for that but when I call back and check, theygive me a different story. I feel they do this on purpose to charge us high interest It is so frustrating I am hoping you can help
Product: Credit reporting or other personal consumer reports

I recently received my Clarity Credit Report on XX/XX/XXXX of XXXX. I've noticed that Clarity is reporting several accounts that doesn't belong to me at all. I've noticed addresses that I never lived at attached to accounts i never authorized. 
XXXX ) Account # XXXX XXXX XXXX Holdings is a Fraudulent account. It has a address that i never lived at ever - Remove this Fraudulent account IMMEDIATELY off my Clarity Credit Report. 
XXXX ) Account # XXXX XXXX XXXX XXXX  is a Fraudulent Account. I never authorized nor have I ever applied for this account. It also has a address that I have never lived at ever. - Remove this Fraudulent account IMMEDIATELY off of my Clarity Credit Report. 

My Clarity Credit Report has XXXX Names associated with my XXXX XXXX. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX The ONLY and One Correct name that should be on my Clarity credit report is XXXX XXXX XXXX. 
XXXX ) My Clarity credit report has XXXX different birthdays on my credit report. XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Remove all XXXX XXXX and Update only XXXX XXXX to XX/XX/XXXX. 
XXXX XXXX My Clarity Credit Profile has over XXXX addresses that I have never lived at nor have any association with me. Please remove all XXXX addresses and update only XXXX address to XXXX XXXX XXXX XXXX XXXX MI XXXX. 

See All Attached Supporting documentations ( Clarity Credit Report Reference # XXXX ) XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX  aka XXXXXXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Product: Debt collection

Portfolio recovery and associates is saying I owe them a debt. I have never done business with them so Im requesting a written contract with my signature showing where I signed for this debt. If they can not provide the written contract I want this removed from my credit reports and all communication to to stop immediately!
Product: Debt collection

On XX/XX/2020, Sallie Mae called my sister, my parents, and my employer to discuss my past due balance. They left voice mails with all three parties and told them I left their contact information with Sallie Mae. THAT IS ABSOLUTLEY INCORRECT. I never gave Sallie Mae permission to call my sister, my parents, or my employer. Let alone share their cell phone numbers. 
I have reached out to Sallie Mae 's customer service several times and asked them NOT to contact any of these individuals. They are not co-signers on any loans I have. Furthermore, calling my employer has jeopardized my job position as an accountant. 
On XX/XX/2020 my employer informed me he has received calls every day for the past 2 weeks from Sallie Mae. He did not want to tell me initially because he felt it was a personal matter I would solve on my own and also save me from embarrassment. He asked Sallie Mae to stop calling him, however, they did not follow his request and he ultimately had to tell me in hopes they would stop the harassing phone calls. He also informed me it gave him " concern about my future '' when he receives calls from creditors. Extremely embarrassing. 
Sallie Mae calls me several times a day every single day. I can not speak to them each time they call. They called me on the morning of Saturday,XX/XX/XXXX. I informed the representative that I can not afford to make the payment right now, and asked if they can lower the payment. They told me I could pay {$50.00} as a " good faith payment '' to keep my account from defaulting and to prevent them from reporting me to the credit bureaus. I asked if the {$50.00} went towards my loan. They said no it does not. I said that makes no sense and I refuse to just give you {$50.00} of my hard-earned money. The caller asked me if I knew how badly this would destroy my credit? I informed her Sallie Mae has already reported me to the credit bureaus and to stop threatening me. 
The same representative called me again this evening Wednesday, XX/XX/2020 to ask me if I can now make a payment. I informed her nothing has changed in the 4 days since she called me, I did not win the lottery and to have a good evening. I hung up. I understand I have a debit and I am working with a third party to solve this. I conveyed this information to Sallie Mae and asked them to stop calling me and my sphere everyday. Once a week is fine but everyday is harassment.
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.

1. I did not authorize these inquiries XXXXIR Date of inquiry : XX/XX/2020 Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX 18. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, OH XXXX
Product: Mortgage

During Chapter XXXX, Wells Fargo reporting XXXX missing payments. Mortgage was never in arrears going into filing, XXXX payments made on time each month, mortgage was never behind. During this time period we sought a loan modification at which time Wells Fargo held payments in suspense account. They will not correct the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Product: Mortgage

On XX/XX/XXXX, I went through initial process of applying for a mortgage through Summit Funding. I was changing duty station and wanted to secure a loan to purchase a property in XXXX XXXX. I sent over copies of my LES and answered all questions but have not heard back from them. The agent said she had experience in working with military but judging by her questions about base pay, I beg to differ. Since I was going on XXXX, I settled for another mortgage company that was military friendly. I wanted to reach out again to the company since I noticed a hard inquiry on my credit report and because I wasn't happy that that my personal information was handed over without a service being done.