23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Phoenix Financial Services. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate  validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting

Upon reviewing my personal Equifax credit report i noticed several inquiries on my credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and spoke with XXXX who refused to help me and stated it was a " statement of fact '' which is NOT TRUE because I did not authorize this. I then proceeded with a letter to Equifax and again was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. 1. XXXX XXXX X/XX/17 2. XXXX XXXX X/X/17 3. XXXX XXXX X/XX/17 4. XXXX XXXX XXXX XXXX X/XX/17 5. XXXX XXXX XXXX XXXX X/XX/17 6. XXXX XXXX pulled TWICE on X/XX/16 7. XXXX XXXX XXXX XXXX X/XX/17 8.  XXXX XXXX XXXX X/X/17 I have noW locked my credit reports until I am ready to utilize.
Product: Credit reporting 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 DELETED for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

on XX/XX/XXXX, i wrote to Wells Fargo/XXXX in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/year>. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off XXXX time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Wells Fargo/XXXX XXXX Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Product: Credit reporting or other personal consumer reports

XXXXBridgecrest is reporting late payments illegally. This is a defamation to my character. My brother makes the payment it is his vehicle and is a college student. 
According to 15 U.S.C. 1681 section 602 A I have the right to privacy.

15 U.S.C. 1681 section 604A. section 2 it also states 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.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Equifax failed to do so. If Equifax investigated properly they would have found the items being disputed are being reporting inaccurately on my consumer report.
Product: Mortgage

PMI was removed from my account on XX/XX/2022. An escrow analysis was run on XX/XX/2022. This analysis took into account pmi. I no longer have pmi yet they are escrowing as if there is still pmi as well as collecting a shortage. I asked them to run a new escrow analysis and they have refused. They will collect more than {$3600.00} in escrow over the next 12 months. My taxes and insurance are less than {$1800.00}. Collecting this amount is almost twice what is needed to cover my taxes and insurance. I called on both XX/XX/XXXX and XXXX and got the same response. In Maryland and escrow account is not mandatory. On XX/XX/XXXX I advised them I no longer wish to have an escrow account, I can pay my taxes and insurance my self. I was told they would have to see if they could do that and they would get back to me by letter and it should take about 5 days.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> my wife XXXX and i attended a wyndham resorts timeshre info meeting. At that time we were told such innacurate information that we were led to believe purchasing a wyndham express club membership was a good fit for us. They did not lie outright, but they piece together information for various contract types which when put together is certainly a lie. We recieved a wyndham rewards credit card which we expressly DECLINED our consent for multiple times throughout the process. The box is unchecked on our purchase agreement for the credit card and we were given no information about a card. We are in the process of financing a medical expense and now this wyndham card has hurt my credit due to me closing immediately upon my knowledge of it being opened. I am reporting this fraudulent and unlawful activity for a credit card being opened without our consent and for the poor business acumen wyndham timeshare has in their sales techniques. We were given totally incorrect verbal information and the contract did not include the thousands of dollars of fees wyndham has. We requested a recission of our contract on XX/XX/XXXX within the lawful 10 day recission period TN has. We were told on XX/XX/year> by a wyndham call center employee in the finance office that our recission email was received and they were required to wait 30 days before processing it. Once processed our account at XXXX XXXX  would be paid by wyndham and closed, the remaining balance would be gone. And i specifically requested all 3rd party memberships and contact be closed and no longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was the responsibility of my former spouse XXXX XXXX XXXX ( XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to XXXX, TransUnion and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
Product: Checking or savings account

In XX/XX/2022, a checking account was opened at Wells Fargo in my name but not by me. There was a XXXX dollar balance so I didn't worry much about it until I received a letter in the mail in XXXX stating that " because I receive interest income, I need to sign, date and return the enclosed form W-9 to confirm your Tax Payer Identification Number as required by the IRS. '' I know better than to share my social security number, so I went to a Wells Fargo Bank on XX/XX/XXXX to speak with someone about this fraudulent account. She explained that it was fraud but stated no one at Wells Fargo was responsible. I disagree with her because someone had to approve the account in order to open it. 

During that visit, I closed the account and then went home to change my logins and passwords. I also put a freeze on all three Credit Reports.

I worry that some people may not know better and will fill out the W9 form providing more personal information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/2023
Product: Credit reporting

I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.
Product: Money transfer, virtual currency, or money service

Long story short i began mining bitcoin in XXXX or XXXX let the computer mine by itself for years forgot all about it at the time bitcoin was worth les then XXXX cents i also had penny stocks and XXXX  i also inevested with a mining pool had basket shares in somthing or another anyway i found out bitcoin was worth XXXX XXXX day XXXX or XXXX started trying to find my accounts this is where my story takes a twist i was fairly certain i was a being tracked monitored on all my cyber activity alot of crazy things a phone turning on by itself downloading things without a sim card things of that nature i was ready to throw in the towel and then i see online on XXXX i think about a address that was under constant attack by hackers for the last 3 years just so happens i have a receipt with that being my change address from a transactio i made in XXXX so i follow the protocall and file not 1 but 2 complaints with the fbi through the XXXX what a XXXX joke i call the fbi again haha my local sheriff ftc consumer protection you guys this is prior to XX/XX/XXXX last year back to my complaint a couple days later i read someone hacked the account again somewhere on XXXX then it was made public the government siezed the account and now 13 almost 14 months later i still have gotten no input from any agency i feel like my rights have been violated XXXX i should also mention it was XXXX bitcoin valued over a XXXX dollars at the time
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX {$45.00} through PayPal invoiced. I was supposed to receive a XXXX account that had rare items. I texted him through XXXX and once I sent the money he blocked me. PayPal is making me wait till XX/XX/XXXX for his response and I need my money as soon as possible. I never received the account I was supposed to purchase.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the document needed and a letter from my advocacy group helping me to human trafficking debt bondage which falls under trafficking according to trafficking-debt that final rule 1002 .142 ( B ) 4-5 -- 100 2.142 ( b ) 7 .I kindly request that you block this information from my credit report within four business days pursuant to the section 605C of the fair credit reporting act I'm a victim of human trafficking debt bondage I would like for all listed of my city block and deleted. I am filing this FTC identity theft affidavit report two separate fraudulent accounts appearing on my consumer FICO report which I do not recognizes reported and which are results of identity theft and fraud these fraudulent accounts consist of a personal credit card account opened at XXXX XXXX Bank on XXXX under the account number : XXXX and a car loan opened at XXXX XXXX XXXX on XXXX under the account number : XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the Aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to the said items cease pursuant to my rights with the FCRA and FDCPA laws. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Sent demand to comply to investigation to Equifax but still haven't got any response.
Product: Mortgage

select portfolio servicing charge me pre-pay penalty of {$6300.00} for the account number XXXX this account is paid off on XXXX XX/XX/2021 and my NOTE show I do not have any pre-pay penalty. they made the mistake at mixed up the NOTE from another loan with the subject loan. 

I was in contact with Select portfolio servicing by telephone since XX/XX/2021 to go over my loan and the NOTE at least two times a week always answer me a different person and have to go over the same conversation explaining the mistake that they did at charging me pre-pay penalty. I requested to speak with a manager but never had one available. until today XX/XX/2021 don't have any help from them. just told me the file is under review. already passed 69 days since I was asked to help me to resolve this mistake from them. 

for that reason, I am requestioning your help to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XXXX {$120.00} LVNV FUNDING LLC Opened XXXX {$480.00} LVNV FUNDING LLC Opened XXXX {$650.00} LVNV FUNDING LLC Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The XXXX XXXX is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with Account name : XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In addition to XXXX XXXX  HARD INQUIRY XXXX resulting in another individual using XXXX XXXX, getting into XXXX  XXXX profile, changing info on that XXXX  XXXX profile IN PROGRESS confirmed XXXX ... XXXX XXXX XXXX XXXX HARD INQUIRY, address and phone not mine IN PROGRESS waiting on XXXX  XXXX investigation ... ..NEWLY FOUND EQUIFAX verified info I sent for my verification and I FOUND on XXXX a HARD INQUIRY dated XXXX that is NOT MINE. Equifax sent email to XXXX ( my other email ) saying Equifax is waiting on XXXX  XXXX to finish their investigation before Equifax will take off this XXXX HARD INQUIRY that is NOT MINE.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt or credit management

My wife and I bought a house in XXXX Georgia back in XXXX of XXXX  and they filed in at a regular VA loan not a XXXX  loan because my income is not Verifiable. Thru the VA we get benefits but its entitlements which means I get my XXXX and retirement tax free from state and federal. I called many times and not one time did XXXX XXXX call me back because I found out they basically sold my loan to a collection agency. I been paying a whooping XXXX dollars a month since the start of this loan