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

I called your department after I purchased a credit report with XXXX  on XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Product: Credit card or prepaid card

PLEASE HELP ME! For years I have been the victim of identity theft. For years I have been fighting with numerous creditors, collectors,  credit bureaus, the IRS, XXXX XXXX XXXX XXXX, XXXX XXXX child support, and numerous other agencies. 

I have spent numerous man hours filing id theft affidavits, police reports, Tax documents, fraud notices, calling on the phone, and anything I can think of which would help me fight off all the fraud which has been perpetrated against me and ruined my good name. I'm not kidding when I say I have spent an entire weeks worth of manhours put into this since XXXX. 

As of now, I have almost eliminated all forms of fraudulent accounts against me except for one which persists no matter what I do. On XX/XX/XXXX, Someone opened up a Discover card under my name. I don't know how they did it, but they did. I filed a fraud affidavit and a police report, and submitted it to all parties involved and the account came back as verified. HOW! I have NEVER applied for a discover account in my life. I do not have one, and I have never borrowed money from them. How can they claim this is verified? I don't know what to do anymore. I have spent the last three years trying to buy a home and I keep getting told no because these fraud accounts keep popping up. I'm tired now. I can't keep putting in this much effort just to have a company tell me they are going to hold me responsible for money I never borrowed. 

Please help me in getting Discover to remove this from my credit report. If they don't, then I will have to call a lawyer and sue them. I have already spent thousands of dollars in time and money fighting this so I will have no problem spending several more years and thousands going after Discover.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., Medical XXXX Balance : {$660.00} ; 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 XXXXXXXX
Product: Mortgage

My mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX previously modified my mortgage but in 2016 they adjusted the payment higher which caused me to miss two payments. XXXX XXXX XXXX then transferred my mortgage to Ditech who agreed to modify my mortgage again and bring the payments back to where they were before XXXX XXXX XXXX 's increase. The problem is that after Ditech modified my mortgage, they never updated the mortgage to current. Even though Ditech never reported on my credit report, they serviced my mortgage as if the modification ( with the exception of the payment ) was never completed and as a result, when Ditech transferred my mortgage to XXXX, they reported my mortgage to XXXX as 90 days late when in fact I was 30 days late.
Product: Debt collection

I noticed a collection account on my credit card report around XXXX of XXXX. I have then went to XXXX XXXX  to get this removed because I had no knowledge of what this account was.The collection has since then been removed from my credit card report due to it being inaccurate. XXXX XXXX  XXXX  then sent me a letter months later after the collection was already removed stating I have cosigned into this lease building that I supposedly was staying at during XXXX. I have never lived at this address nor have I walked into the lease building and signed my name. The suspect had a girlfriend whom I suspect forged my signature. I have never once made a payment towards the rent, down payment, or have leased the apartment place they claim I did. I had no knowledge of this collection account until XXXX. XXXX claims that this account belongs to me when I had no knowledge of this whatsoever. They claim that I had walked up in the lease building and signed my name supposedly with an id. During XXXX I have lived at a different address for the entirety of XXXX and have never once stayed at the apartment address. XXXX has never once provided me the original signed contract no wet signature proof or evidence that the photo id is mine. I have never missed a late payment or had any charge off my credit is only XXXX XXXX XXXX as well.
Product: Vehicle loan or lease

I've been struggling with family members in a hardship situation and have been making payments on their bills while supporting my own finances. I fell behind on payments due to XXXX income splitting it to pay and support my family. Ally Financial Auto has contacted my XXXX phone number which is registered under my name sending I formation regarding my account being delinquent. The representative was condescending with his reply back to me, saying my phones are public information. I've provided my exact contact phone number their should call or text and no other, instead he said my numbers are public information. ALLY FINANCIAL went against the number provided to contact me. I've had many phone numbers over the years which do not belong to me now which may still have my name but does not give them the right to call others numbers or relatives I'm associated with with phone numbers, that now becomes harassment and having other know I'm having difficulties which causes issues for me. They have no right to do this, call me with the number provided or mail a letter to my home. Surely not call every number with my name associated with. They may even be calling people who now have a phone number I had. Shame on them. And the nerve to treat me as a criminal. Just an FYI, I'm caught up on my billing. I will never to business with them again, big company abusing small people like me in bad situations.
Product: Money transfer, virtual currency, or money service

Reporting Coinbase - sold my digital currency and placed in my EUR wallet. Followed instructions to send XXXX XXXX payment from XXXX bank account to get it verified and allow me to widthdrawnmy money. They state it takes 2 days after payment clears. That was XX/XX/2017 and my account is still not verified and I ca n't get my money out. I have sent 25 emails, raised 2 support tickets and send I direct XXXX   messages - no response. My case numbers are XXXX and XXXX. If you could please assist me in this it would be much appreciated. I feel like my money has been stolen. Thanks XXXX
Product: Debt collection

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that Barclays Bank Delaware is attempting to collect a debt from I the consumer makes Barclays Bank Delaware guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and was notified by transition and other credit reporting agencies. For the past few years I have been disputing account that was opened in my name without my permission. I also have several addresses listed that I have repeatedly asked them to remove and they wont. Finally I got tired of begging g hung up on and never getting anything resolved when calling them, that I paid a attorney for a bankruptcy in the amount of XXXX dollars just to get rid of the incorrect information and not even XXXX months later my credit began to go through the same things. Trans union never placed a freeze or an alert on my credit report. And just last year XXXX told me about a data breach and they use trans union and they still wont help me. Currently there is an address listed in XXXX that Ive never lived at. I really need help as I have exhausted all resources.
Product: Debt collection

I was contacted today from an agency that threatened to press criminal charges against me for an auto loan that was included in a bankruptcy that I filed in XX/XX/XXXX. The call came from XXXX, and when I called them back, the automatic answering system announced the company as XXXX XXXX XXXX. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They found me financing through United Acceptance. In XX/XX/XXXX, I allowed the car to get repossessed because it had too many problems for my to fix. XXXX XXXX had my current address at the time, and one of the neighbors told me that they saw a tow truck marked " not for hire '' tow it from my driveway. In XX/XX/XXXX, I filed a chapter XXXX bankruptcy, with XXXX. XXXX as the law firm. This debt was included in the bankruptcy and, while speaking with this law firm today, they assured me that this loan is included in that chapter XXXX. They recommended that I file a complaint with the appropriate government agency, which is this one. 

However, the company that called me today was insistent that this debt had dropped off the bankruptcy, and was now eligible for criminal proceedings. The man I talked to said that they were going to charge me with " intent to defraud a financial institution '' and one other charge that I couldn't quite get the gist of. He also mentioned felony theft. I called back a second time, after speaking with the chapter XXXX attorney, to speak with them again, and asked what specifically the charges were going to be, and they said that I would set that in the summons. This also sounded odd because, as I understand it, a summons won't be issued for a " felony theft '' crime. A warrant will be issued, and an officer will come to my house or work to take me to jail.
Product: Credit card

What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me so I opened a dispute and the fraudulent data wasnt removed.
Product: Student loan

while completing school at XXXX XXXX XXXX XXXX there were XXXX loans taken out for roughly {$12000.00} starting XX/XX/XXXX2016-XX/XX/XXXX2016. I finished school in XXXX and did not need extra loans taken out. I recieved a pell grant and private loan to cover the cost. I have spoken to my loan provider Great Lakes
Product: Checking or savings account

Capital one bank has not updated my balance for my direct deposit from my job and my balance is too low now. 

I'm very upset and they need to make this right
Product: Mortgage

According to the HPA, I should receive automatic PMI termination at 78 %. I asked the company to consider such termination at 80 % and they insisted that I submit a written request which I did. They then told me that they never received my written request. 

Then at 78 %, I was told that it wouldnt be terminated until XXXX XXXX as my payment is in arrears. A mortgage payment in arrears has nothing to do with the HPA and PMI termination. As long as the borrower is in good standing, which I am as I have never been late or in arrears, then a request with an appraisal should be honored by 80 % LTV request or automatically at 78 % LTV. The fact that the bank escrow department management told me that I have to wait until my monthly XXXX XXXX payment, although I am currently at 77 %, reveals that this may be a systemic issue with this bank and should be reviewed by your examiners. PMI requested or automatic termination has nothing to do with the payment being arrears XXXX dependent only on good standing and the LTV at the time, 80 % and 78 %, respectively. Since XXXX XXXX, I have been at 78 % LTV, yet I keep being charged for PMI.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no connection with the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been furnishing this account on my consumer report that is not mine. This is not my account.
Product: Checking or savings account

On XXXX XXXX, I received an alert on my phone from Bank of America that my account was overdrawn. I looked and noticed that there was a double payment to XXXX. I called XXXX first and stated there was a double payment. They stated they only had the one payment I put on my debit card a week prior. I called BOA to file a claim.I received a temporary refund of the amount plus they refunded the overdraft fee. The man stated he could see there was 2 identical charges in the amount of {$170.00} a week apart. This was an issue that XXXX did not tell me about, but they had only received the XXXX payment. We filed the claim, and the representative stated he was going to email the documents to download, sign and email back. I never received them. A week later I received the documents with no real information in the paper I was to submit. I ended up checking the box that referred to my situation, signed the bottom, and mailed it back in with the main page with had my account number and the total to be refunded. Two weeks later, I once again received the same documentation, I did the same exact thing. On XX/XX/XXXX, I received another alert that my account was overdrawn in the amount of XXXX. They had gone in and took the money out again. I called BOA, and they began arguing with me telling me that I did not send the paperwork back in. I ended up going to the local branch, they printed out the paperwork, I signed it, which it did not look anything like the papers they sent me. They told me that it would be back in my account in 3-5 days. It is now been 1 day shy of a month, they are still giving me the run around. I have had some of their representatives call me a liar, and they are rude. All I want is my money back. They have given me now 4 different time frames in which I should have my money back. They are saying XXXX has it, XXXX says they do not. I have been a customer of BOA for 9 years now. I feel they need to better serve their customers. They are now telling me that if they money can not be found, I may lose my money. I am a single parent with a special needs son, I have to count for every penny I make. I work hard, and BOA either does not care about their customers or they are thieves and do not know what happened to my money I have now fallen behind on several bills because they are playing around with other peoples money. Now I fear they are going to close my account before I can get all my information for my sons SSI switched over. I have read many complaints and I am seeing that they are closing peoples accounts when they become too " Irrational ''. I also see that someone went in and changed my monthly statement so it does not reflect the 2 charges that were taken out. I prefer paperless so if they chose to go in and change things they can and do.
Product: Debt collection

This complaint is on a group providing services to the public, but also provide a special service to certain privileged individuals, which are the instigators, and the ones trying to cover up their own crimes. About XX/XX/2010, Branch Banking & Trust Company Inc. where I make monthly mortgage payments on a now alleged mortgage which, is a 5.50 % fixed rate on a XXXX year conventional mortgage. I was not delinquent on payments, neither delinquent on city/county property taxes nor homeowners insurance. A Ponzi scheme was being operated locally involving the assistant clerk, giving an illusion of legal authority, and pretending a fraud law and using and accepting others to use defeated forms with false content to mislead as a conduit to advance an agenda orchestrated by certain lawyers and others concerning privately owned real property. It appearing now, that certain fraudsters had previously unlawfully been using my property for their personal desires and fun. When the economic turn bad I believe these fraudster tried to cover up by filing false information that mirrors someone failing to pay their mortgage and other bills, a false light upon me also, artificially created a justified their Ponzi scheme. This scheme would not survive in a real court under a judge, but I was being rerouted outside the legal/normal jurisdiction by certain actors. The actors included impostors as XXXX threatening, falsely arrested me, using lower standards without the required proper documents. XXXX. certificate of incorporation " delegates authority '' for active and honorary members to " ... conduct amusement enterprises of all kinds ... exhibits shows ... theatres ... and acquire all costumes, scenery, properties ... to issue bonds ... debentures or other negotiable instruments ... secured by a mortgage ... from time to time seem advisable '' .to enter into, make, perform, and carry out contracts of every sort and kind ... foreign government ... '' I believe these fraudsters are being " hired '' through this illegal non profit corp. too fictitiously validate certain Foreclosures and it authority as a legal act performed by law enforcement. Nasty, Nasty, but no doubt great commissions. This also involves an alleged real estate agent, as XXXX XXXX I ask the XXXX of the police department to make and file charges against and others for making a false police report, impersonating a federal agent of XXXX etc., but he refuses. I also, by XXXX fax confirmation sent to XXXX to acknowledge and inform others about the difference between rules and laws including about the exposure of fraud in banks violations.
Product: Credit reporting or other personal consumer reports

I will XXXX  before this year end. if my issue is not resloved. 
i have been victim of identity theft for over 9 years. i have been trying my best to reslove this issue. i have did what is in my power. but they are not listening or understanding Law Lets use the power of Law now : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Attached ( 2 ) a copy of an identity theft report ; Attached, Police and FTC ( 3 ) the identification of such information by the consumer ; and Attached ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Answer : XXXX, XXXX, XXXX and XXXX XXXX : first delete all my information. because of you data, i can not rent a apartment and lost job with DHS-ICE and many more. this is my last try before i XXXX before year end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account listed on my credit report byXXXXL  XXXX XXXX XXXXunder  account # XXXX**** I sent a dispute letter regarding the information that Transunion and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times Transunion and XXXX  responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XXXX of XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that Transunion and XXXX  could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX  XXXX  that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Product: Vehicle loan or lease

CREDIT ACEPATANCE THIS COMPANY TAKE THE CAR BACK VOLUNTARY REPOSESION AND CONTINUE MY CREDIT REPORT XXXX I HAVE ALOT DISPUTES AND COMUNICATION THE COMPANY FOR REMOVE MY CRETIT REPORT AFECTING DAMEGE FOR XXXX YEARS THIS COMPANY TAKE THE CAR BA BACK I NO LONGER MY XXXX NEVER EVER REPORT VOLUNTARY XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXXMI XXXX  IWANT TO BE DELETED OR REMOVE MY CREDIT REPORT SOON XXXX