23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received notice that an account was opened in my name with the credit card company however I did not open the account. As soon as I received the notice I called the company directly and reported the fraud. They said they would take care of the account. They closed the account but left a balance. They did not notify me of the balance, no statement was ever sent after the phone call and I did not anticipate having a balance after reporting the account was fraudulent. I found out yesterday through credit reporting that not only do I have a balance but it is delinquent and negatively impacting my credit score. I called the company and they now want additional information to fix the situation. If they had needed this information initially I would have provided it prior to this point however I was told the situation had been addressed.
Product: Mortgage

To whom it may concern, My mortgage company Nationstar/Mr Cooper failed to honor loan mod contract, illegal servicing and disclosure etc ... All the above. I have reported to NC  and tried to rectify with company but still on going. This has been on going for over a year now est., since beginning of federal pandemic. They forced me into forbearance with foreclosure and credit reporting then sent me an adjusted different loan ( XXXX ) from my original FHA loan mod with penalties/fees, again threatening to foreclose if I didn't agree. they would not let me make my payments on original loan mod and would not service when contacted. Nationstar has had multiple lawsuits for this and other illegal practices as Im sure you know. I will be filing one as well. I am based in NC and they are out of Texas I believe. Can you please recommend attorney or direction concerning this matter? Also please proceed with any action thru the DOJ. I am happy to cooperate in any way. Contact info below. 

Thank you for your time and consideration regarding this matter-sj XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

FCRA Viloations Not mine Not my XXXX  loans XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX. {$3600.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$21000.00} XXXX Account charged off. {$37000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
not my collections XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. 

never late on these bills XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
never lived at this these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resident type XXXX  family XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type XXXX  family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXXamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXXamily XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX family not my phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cellular never worked here XXXX XXXX XXXX XXXX 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: Debt collection

This morning, I woke up to a collection on my credit account. The original company listed as XXXX. Upon calling the collection company, Radius Global Solutions, they told me the account was for 5 telephones from XXXX. I called the collection company to dispute this account because I've never had an XXXX account. I've had the same phone number with tmobile for almost 20 years. This account is not mine. This is fraud. 
My credit report shows that this account was opened in XX/XX/2022 which doesn't even match what the collection company says
Product: Credit card

Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. 
On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. 
This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed below. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After 20 years as a customer, I got a letter saying on XX/XX/XXXX they will be closing my account, what they didnt tell me was that they froze my account on XX/XX/XXXX and they are processing my closing account, really XXXX weeks and it s still processing, that money I wanted for my wedding, its not much but its still over XXXX and I have talked to everyone and I get the same runaround processing, you dont do that to people, I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with XXXX, Experian, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. XXXX responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. Experian did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX  has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.
Product: Checking or savings account

M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.
Product: Checking or savings account

I had an unauthorized transaction for {$1100.00} to a company in XXXX XXXX. I told support I accidentally authorized it when I got the XXXX text asking if I made this purchase. Because my other bank would ask if its fraud I would say yes but in this case I said yes I did make this purchase. I did not make this purchase have tried to dispute through XXXX multiple times and still havent got my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed a collections on my credit report online to XXXX, XXXX XXXX, and XXXX  with Portfolio Recovery Associates, LLC listed in the amount of $XXXX. On XX/XX/2019 the dispute was returned without change from the XXXX, XXXX, and XXXX XXXX. On XX/XX/2019 I contacted Portfolio Recovery Associates, LLC directly requesting a dispute and further information to verify this account. On XX/XX/2019 I received a letter from Portfolio Recovery Associates with an invoice attached from XXXX XXXX XXXX (XXXX) XXXX. I have no records matching this account. On XX/XX/2019 I telephoned Portfolio Recovery, Associates, LLC and spoke to "XXXX XXXX." I requested further information such as signatures, dates, purchase dates, etc. She declined this inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

On numerous occasions, I have requested that my ACH authorization be revoked and that my payment date be changed on numerous attempts ( XX/XX/XXXX and XX/XX/XXXX ), however, I was told my request had to be made XXXXXX/XX/XXXX in advance to the repayment to be processed. 

On XX/XX/XXXX, I requested my ACH authorization be revoked and that my payment date be changed, and was told that their Terms of Service does not allow my ACH authorization to be revoked. However, there is verbiage on their website, updated XX/XX/XXXX, that states I can revoke my authorization at any time. They state that this is not for the XXXX repayment, and that those have specific terms and agreement, but will not provide me the exact verbiage when requested. 

Today, on XX/XX/XXXX, Dave charged my card {$390.00}, after numerous times of telling them they do not have my authorization, and also removing my bank account access from XXXX. I attempted to change my debit card to a different card where I had funds available, and this did not work, nor was I able to remove my debit card. 

This predatory service will not work with you, leaving you in a consistent cycle of needing their services. Additionally, their responses to emails are not timely, pushing you further towards your payment date so they can claim that the timing is the reason they can't assist you. They do not allow rescheduling payments to meet the needs of their consumers and are not following FTC guidelines.
Product: Debt collection

I received a collections notification from Transworld Inc saying that I owed {$8700.00} from my previous landlord. I moved out and did not owe that egregious amount. They never verified the amount that the landlord said I owed and just posted it in my credit report.
Product: Credit reporting or other personal consumer reports

This account is supposed to be closed yet it is saying it is not paid, and hurting my credit score. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My capital one cards and my XXXX card are now being paid off with monthly payments.
Product: Debt collection

I called and asked for debt verification, could not be provided, I have also asked if the debt has been reviewed by an attorney it hasnt. The harassing phone calls every day, the letters are non stop. My family is even being called about this debt thats not mine.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

Reaches out to Experian, To Filed A Dispute and Ask Could They Investigate and Verify A Negative Account On My Credit Report, They Removed the account and Some how it Appeared back on my credit Report. Its a XXXX XXXXXXXX account ending with XXXX and this account is on my credit file 2 times also.
Product: Mortgage

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account PENNYMAC LOAN SERVICES is reporting late ( XX/XX/2020 ) as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. The following accounts are : XXXX XXXX XXXX, Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. The term breach of security means, 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. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. They have violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XX/XX/XXXXand State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of FLORIDA medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have sent a FTC report out before to have these accounts removed immediately from my report according to the FCRA which was told by my lawyer these accounts are suppose to be blocked and removed right away then are suppose to be reinvestigated they are violating human rights and are creating a danger for me and my family because these accounts are effecting my credit score. These accounts are not mine. I filed an FTC report and Identity theft affidavit with proof of a letter that has been signed and notarized that this is me disputing. I know it is your companies dutie to report right information please remove all of the fraudulent accounts. 

XXXX Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. Santander sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair
Product: Credit reporting or other personal consumer reports

An unauthorized line of credit was opened with XXXX XXXX. All of my information was used but I did not open the line myself. I asked that the account be closed and everything be wiped clear but I am still getting emails about account updates for an account I did not make and have no access to. I believe someone else has opened the line of credit and still has access to an account with all of my information including my social security number.
Product: Mortgage

In XX/XX/XXXX, my XXXX was discharged during a foreclosure. There is a XXXX balance. Two years later, I noticed a claim was made by Dyck O'Neal stating I owed {$7100.00} in reference to a mortgage. They put this amount in collections and reported to all XXXX credit bureaus. 

I have never done business with this company nor have I ever signed any agreement for any balance that they claim I owe. 

I tried mitigating this issue by disputing their claim through the credit bureaus but was unsuccessful. Their willful act has not only violated its obligations under the FCRA, but it has also prevented me from obtaining a mortgage in the amount of {$140000.00} in XX/XX/XXXX and, more recently, {$200000.00} in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX