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

the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft AMEX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXXXXX**** This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX-XXXX**** This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote the credit bureaus on XX/XX/2022 regarding inaccurate accounts on my credit report. its been over XXXX daysand i have not received any form of response from them. They have violated my rights. 


15 U.S.C 1681 section 602 { A }. States i have the right to privacy.

15 USC 1681 section 604 { A } section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

15 USC 1681ia ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

15 USC 1681e ( b ) ( b ) Accuracy of report -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.

The details of the accounts are inaccurate they are not exact in details and amounts.

15 USC 1681 { i } ( 6 ) Notice of results of reinvestigation ( A ) In general- A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

i have my certified mail tracking receipts
Product: Debt collection

This company ignored my validation of debt request, and is continuing to try to collect this debt from me. It is trying to artificially inflate the price of the alleged original debt with interest and fees, in an attempt to collect on an amount greater than what it bought it for. These are a blatant violation of the FDCPA, and this company is in violation of privacy HIPPA laws in regards to breach of security with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Product: Checking or savings account

Chase bank closed my account on XX/XX/year> but not telling me the reason, I have called in several times I got tranfer from one department to another department but no one tell me that the moneys left in my account ( XXXX $ ) will be return to me, keep tell me call back in72 hours and it been over 3 weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to dispute the following information that this company supplied to XXXX and EXPERIAN, these consumer reporting agencies have yet to explain, update, and remove the inaccuracies. 
This item XXXX XXXX XXXX is inaccurate because the information they have provided is not my debt or amount stated. This creditor stated that I owed {$560.00} under a creditor name XXXX XXXX XXXX, that item was removed on XXXX, the debt returned under a different unaffiliated creditor named XXXX XXXX XXXX in the amount of {$610.00}, The bill that was sent to me has an amount of {$440.00}, I HAVE NO CONTRACTUAL OBLIGATION with this creditor, I do not know this creditor Nor have I authorized this creditor to report to my Consumer Report and according to the law is illegal.
Product: Debt collection

I received a debt collection notice from Oxygen Recovery Group claiming that I owe XXXX XXXX {$880.00}. I have requested proof of this debt and have received nothing from them other than a threat that if I do not pay, they will report me to the credit bureaus. I do not recognize XXXX XXXX as an entity with which I have any business dealings. Further, I have no way to contact them to verify the debt, if any.
Product: Mortgage

I am making a complaint against Rushmore loan Management Services LLC. I have a 30 years fixed mortgage. I applied for a loan Modification three times over 3 years and I was turned down every time. I am suffering in this Pandemic and Rushmore would not offered any type of Resources. I am a XXXX year old woman, I need my home to live. Rushmore is very discriminative over people that having Hardship in the Pandemic or need a Modification. The Covid-19 pandemic had brought hardship and Rushmore can not help with providing Resources with good outcome, this company is very misleading. Rushmore will never approve you. I felt discriminated against because i am a home homeowner and need help to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax have not been responding to any of my disputes that I have sent over the last several months and that is against the law! I have not been notified or received any correspondence from them and I've been sending letters since XXXX of 2020. They are reporting serious errors on my credit file and they need to provide me with results!
Product: Checking or savings account

I woke up with the news that my XXXX account from Bank of America had been compromised and money was taken out. According to the representative all ATms had been compromised I want aware of this and many accounts have been hacked. Card had to be closed and remaining funds could not be acquired at all only by paying a fee of $ XXXXand sending it to XXXX XXXXXXXX . Not only I have no money but I have to pay to get what's left. This was my only income and they made it so hard even to release my funds I have to wait and they processed an emergency but they don't know how soon I get my money back. This is really bad practice for this bank that is so large.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a message from the Equifax breach settlement telling me they were not going to honor the original terms of the agreement reached with the FTC ( by the way, the FTC sent me here when I tried to fil the complaint with them ). They were instead unilaterally cutting down the amount of money we were to be compensated, and we had to jump through more hoops to actually get that money. 

Furthermore, we don't even know what the new amount might be, as there is no floor on how much compensation we will be getting. I could be getting back all of a penny, the way the new agreement has been worded. 

Worst of all, I got literally no say in this whatsoever. I jumped through all the hoops the first time the agreement was signed and the site put up for us to file on. And now even though I kept up my end of the agreement, it gets changed against me without me having any say whatsoever. As far as I'm concerned, this is fraud, and Equifax can not be trusted to follow through at all. 

See the new wording here : https : XXXX XXXX with original wording and how to file here : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SLS is failing to report my payments. I contacted XXXX who contacted SLS and nothing was resolved.
Product: Credit reporting or other personal consumer reports

Ive asked these creditors to remove or correct the balances or amounts and dates and they have not responded
Product: Prepaid card

I never received card from Revolt I then went threw ap and reported card lost never received per the ap the card was deactivated but yet they otherwise push transactions not one email not one phone call not stopped by there security team XXXX XXXX was billing my card with another company accordingly the card with Revolt was on the XXXX XXXX ap as a secondary I had no concerns because I paid the fees at check in with the card that worked now either the manager or someone at choice was double charging I sent over all documents to Revolt showing the double charges and why would the let a card reported lost still accept transactions I also asked why wasn't I contacted I got lame excuse my point is the card was deactivated weeks prior so I don't I feel I owe XXXX on a card they have that was reported lost and deactivated a month prior nor. Should I have to waist my time to dispute this this is there fault I deactivated card per XXXX this a scam Revolt uses to get business or money that they fully never deactivate card Revolt needs investigated and I sent over my receipts they can deposit it bring my balance to zero this is there fault period
Product: Credit reporting or other personal consumer reports

I dont recognize the centrally inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue.
Product: Debt collection

on XX/XX/XXXX i called stinger and stinger about an account they purchased that was charged off wanted to settle with them. on my XXXX credit report it says i owe as of XXXX   XXXX XXXX they said i owed double. They were suppose to investigate it and let me know what they found, but today is XX/XX/XXXX and still havent heard anything.
Product: Credit card or prepaid card

I had a Lowe 's credit card through Synchrony Bank. In XXXX, there were charges that were made on my Lowe 's card, totaling approximately {$3800.00} that I did not authorize and was not aware of. I had contacted Synchrony Bank several times on the issue and they stated that they would investigate the charges. They provided me with details on the charges, stating that the charges were placed using a register printed temporary card, that the purchases were for Debit Gift Cards, and that the charges were done at different Lowe 's stores on each occasion. In XXXX, after months of being told that " they were looking into the charges '', I stopped paying on the account as I had now started to accrue massive amounts of interest on the account from the fraudulent charges that I had been disputing. Synchrony Bank later charged off the account, while it was still in dispute. Attempts to contact Synchrony Bank after they charged the account off and sold the account led to being directed to two different debt collection agencies, both of which redirected me back to Synchrony Bank with attempts to deal with the fraudulent charges that took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To Equifax it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. Equifax now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
Product: Vehicle loan or lease

I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. 
In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX  balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. 
I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.
Product: Checking or savings account

On XX/XX/XXXX, I boarded a flight to XXXX, where I was planning on taking vacation until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, a series of authorized in person withdrawals took place at XXXX branches, detailed below : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$1600.00} XXXX XXXX pm EST XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Claim : XXXX Business {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX pm EST Claim : XXXX In each of these cases, Chase was negligent in their fiduciary duty to maintain appropriate security measures in maintaining control of my funds. They failed to properly ascertain the identity of the person making the withdrawals, and improperly mishandled the funds in question. 

I discovered the issue on XX/XX/XXXX while in XXXX, XXXX and immediately reached out to Chase. They were experiencing issues with their phone and call centers and I could not reach them until the day after. Once I was able to reach them they provided me with the XXXX claim IDs listed above. 

On XX/XX/XXXX I was told claim XXXX was originally denied due to signature is too similar. In response, I faxed and mailed over XXXX copies of my signature on various credit cards and other documents, displaying a signature that is clearly different from the fraudulent signatures on the withdrawal slips. 

I received a letter dated XX/XX/XXXX that the claim was now denied because Chase " determined that the item ( s ) being disputed were authorized or [ I ] received benefit from the item ( s ) '', with no corroborating evidence provided or additional reasoning. Chase changed the reason from the original conversation to an entirely different reason purportedly to deny my claim on no factual basis. 

I provided documentation that I was clearly out of the country, and there are no other authorized users on my account. I immediately reported these issues to the bank and they, without my express permission, closed both accounts, causing a series of returned payment fees across a series of mortgage providers and payees, including Chase themselves. To this day, I have yet to receive a refund of the remaining balance of my Chase Business Checking account, despite them having denied the claim. 

Not only did Chase mishandle and fail to control proper access to my funds, they have taken inappropriate action to remedy the situation, denied reimbursement based on false evidence that they refuse to provide, and have failed in their fiduciary responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation
Product: Student loan

Hello. I took out a few student loans in XXXX or XXXX so I could attend college. The total amount of these loans was about {$5000.00}. Since XXXX, I have made a lot of manual payments, and the debt collectors and others have seized the vast majority of my IRS tax refunds. I can not remember the last time I received a tax refund because they have been offset and seized. To date, I have no doubt paid the original loans in full. And, I know I have lost thousands of dollars in tax refunds. Can you please help? I don't know where to turn at this point. Thank you.
Product: Debt collection

XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau XXXX Experian and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a customer with Amerihome mortgage company on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, Amerihome. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in amerihomes system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with Amerihome would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.