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

statement hitting my account from XXXX XXXX XXXX XXXX for a utilities account opened in XXXX back in XXXX of XXXX. I alerted XXXX that I was the victim of identity theft, and have never lived in XXXX and spoke with their agent XXXX. He placed a fraud alert on my account and opened up a dispute with me ( ref XXXX XXXXXXXX ). This was resolved and taken off my report. Then this XX/XX/XXXX, I received another collection item hitting my credit from Southwest Recovery Services, for another utility account fraudulently opened in my name in XXXX with XXXX XXXXXXXX XXXX. I disputed the collection in the app, waited a week and they wouldn't remove it from my account. When I called in they told me it was because it was identity theft and the dispute could only be made by calling in. This was no where in the app. I had them open a dispute due to identity theft and was instructed by the agent to upload my FTC report and copy of my driver 's license. I also alerted the agent that there were XXXX incorrect addresses listed in Texas on credit report that needed to disputed as they were related to the identity theft. She let me know that XXXX of the addresses was associated with the debt collection so couldnt be disputed and they could only dispute the one at the moment. After getting off the phone I uploaded the requested documents. I also sent a letter certified mail to Southwest Recovery Agency disputing the collection. They received the letter on XX/XX/XXXX. This Saturday I received several emails from XXXX letting me know that they did delete the fraudulent address. But they wouldnt block my collections. They said the dispute was made in error and that the documentation I uploaded ( my FTC report ) didnt prove it was sent to a law enforcement agency. Once I received that email I called CFPB on XX/XX/XXXX and was advised to file a complaint. I am attaching my FTC report and the email I received from XXXX as well as the letter to the debt collector and a screenshot that they received the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Late reporting on credit score Monthly mortgage payment has gone up XXXX XXXXmonth
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX  Open date XXXX XX/XX/XXXX Flagship credit accept Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Debt collection

This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX XXXX XXXX, letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. <P/>This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. <P/>At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : PORTFOLIO RECOVERY ASSOCIATES, LLC. The state law for OHIO in which I am a resident, your letter does not meet the minimum standards of the OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS see 1319.12 O.R.C. Taking Assignment of Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Southwest Credit System is a company I don't know and never signed for its products or services. They have begun reporting on my credit report as missed payments. I do not know this company and I have not signed any contract or asked for any services. I demand this company be taken out of my credit. They must have the wrong person thinking is me. 
I have filed a credit dispute and have heard nothing from them or the credit bureau.
Product: Mortgage

Hi : I am having problems with Mid American Mortgage Company. I received a letter from them dated XX/XX/2020 stating that I have an escrow overage of {$2400.00} and that I would be receiving a check for this amount within 30 days of that letter ( I assume the overage is because I got a applied for a property tax break some time ago due to my age ). In any case, I have not received the check. I have been in touch with people several times on the phone and recently with no results - even though they say they will do something about it ( see the attached letter that I never sent because I am giving up on trying to communicate with these people myself ). I even asked them to call me to let me know if there were any problems - if they were unable to send the money but I go no call. About three days ago, I emailed the escrow department. When I have gone back to look for a response, there is no response - In addition, I can not even see the email I sent! 
In any case, I am current on my mortgage payments and have not had any problem with that. I am attaching my escrow statement which has the amount that they are supposed to send to me in addition to the notation on the bottom that the money would be sent within 30 days. It is now going on two and 1/2 months and I am getting terribly frustrated with these people. I understand that covid is out there but we still have to pay our bills. 
I am hoping that you can help me out. If you are unable to help me, please let me know what I need to do. This has been a terrible experience. Thank You, XXXX
Product: Credit card or prepaid card

Hello, on XXXX XX/XX/XXXX I called my bank to ask why in their app does it say my card is restricted. They told me my account was closed. I had received no email, letter or call. I asked why and was told due to " fraudulent '' activity. Even though 99 % of the time I use my credit card to pay for food the 1 % on movie providers. They said that it's due to returned payments even though the bank initiated it. Even though I did have money in my account waiting to be taken out by the credit card company to pay my bill, in which i pay my bill ahead of the due date but also on the due date because I get charged for XXXX XXXX. I assume they waited too long to take the money but I always made sure there was money in my accounts. This has caused me too much stress and confusion. My credit will be ruined and It will take awhile for another bank to even allow me to get a credit card.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card

On XX/XX/year>, Citi located XXXX XXXX XXXX, XXXX XXXX, SD XXXX denied my application for a XXXX XXXX XXXX XXXX XXXX XXXX. The reasons stated : " Too many recent credit inquiries were recorded on your credit bureau report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.
Product: Debt collection

on XX/XX/XXXX a debt collector called me and was trying to collect on a debt from 4 years ago. The name was western mass credit. The guys name is XXXX. <P/>He states that I owe over 3700 dollars for a debt. I say well i never received a letter from you or anything. He said he just pulled my credit. I said ok .... He went on to state that I had the ability to pay for the debt because he could see a credit card that I recently had opened. He also went on to continue manipulating me and stating that he could give me a deal if i pay today. he said i see you were affiliated with the military  ( because of my financial institution ) and i am going to give you half off.. well he emailed me a copy of the debt!!! he manipulated me into paying the amount based off the credit card that I have and he also never said this is an attempt to collect a debt!! <P/>he abused me over the telephone and manipulated my credit to me in order to receive payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to ask you to check these accounts as information reported is incorrect. These is not a right way to report my accounts. Please make investigation and put control on bureaus that having error in reporting.
Product: Checking or savings account

My Chase checking account added a XXXX account to my checking account, without my consent. I DO NOT want XXXX attached to my checking account. 

I also have had funds delayed in payment on my bill pay, associated with my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Product: Vehicle loan or lease

I purchased a vehicle through US Auto Sales in XXXX, I made payments and in XXXX or XXXX of XXXX was notified that the loans were turned over to Westlake Portfolio which is a collection agency, I was makeing my payments as schedule and on time. Im not having an issues due to not knowing if my car will be reposseded or if Ill get my title once Ive finished paying and need some assistance. I aslo asked for my information on my extended warranties and gap and received nothing. Im a customer that is confused on all that is going on and in the mix of it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXXXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Checking or savings account

XX/XX/XXXX I informed Chase ( and continued to inform the bank ) of my identity theft, which directly affected the accounts I had with the bank. XX/XX/XXXX the bank charged off and closed my account and reported the negative account error to the credit bureaus due to my account allegedly being overdrawn. I disputed the error and Chase has acknowledged its system error and I am due about {$180.00}, but the bank sent the check to the wrong address. It's been more than 30 days and the bank still has not voided the check sent to the wrong address and reissued my funds to the correct address. But, the bank has sent a {$15.00} check to the correct address due to another miscalculation error.
Product: Debt collection

My father, XXXX XXXX XXXX of XXXX MD, passed away XX/XX/XXXX. I notified Fulton Bank on XX/XX/XXXX - both the XXXX # who stated I needed to physically go into a branch to inform them of my father 's passing that they did not have a way to flag the account via phone. I advised them I was not local so they provided me with a MD local branch phone # to call. I then called that local branch and had a similar conversation with an individual within a branch informing them that I physically did not live in MD and there was not a Fulton Bank in my area ( SC ), therefore, I could not PHYSICALLY go into a branch. I insisted that I needed my father 's accounts flagged as deceased so that no further activity ( charges, debts, credits, etc. ) could be made. I also faxed a copy of the death certificate to that local branch on XX/XX/XXXX. 

I continue to get collection calls and letters post communicating of his passing. In addition, it appears ( based on a letter from Fulton Bank dated XX/XX/XXXX ) they ( Fulton Bank ) continued to attempt to auto draft payments on which incurred insufficient fund fees.
Product: Credit reporting

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/2016 Reported Since : XX/XX/2016 Date of Status : XX/XX/2016 Last Reported : XX/XX/2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
Product: Mortgage

I was notified by Citibank that my HELOC was going to adjust in the first part of  XXXX  in the last part of  XXXX . My interest only payment was going to almost triple. I started the process to see what my options were right away. Since the first part of  XXXX   XXXX  until now  XXXX   XXXX  I have been going back and forth with  Citibank  sending them information. I have asked for an escalation  at one point where basically they had changed my contact person, but nothing changed. I would send the informatio n to them that they requested, only to be sent back another notice asking for much of the same thing. I was very meticulous to do everything they asked for in regards to providing the information to them only to get the same response back that they needed the same informa tion that I just sent. I would have to say with in the last six months I must have sent them information over 20 times. I think this is unnecessary and down right abusive and criminal.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 discovered that my personal information had been compromised in a data breach, resulting in unauthorized accounts and transactions. 

I took the following actions : Contacted the companies involved : I reported the fraud and requested that the affected accounts be frozen or closed, as required by the Fair Credit Reporting Act ( FCRA ). 

Filed a police report : I reported the theft on [ Insert Date ], in accordance with the Identity Theft Enforcement and Restitution Act of XXXX. 

Notified the credit bureaus : I contacted XXXX, Experian, and XXXX to place a fraud alert, in compliance with the Fair and Accurate Credit Transactions Act ( FACTA ). 

Filed an FTC Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on [ Insert Date ], as per the Identity Theft and Assumption Deterrence Act ( ITADA ). 

I am taking steps to protect my identity and prevent further misuse of my information, including requesting credit monitoring and fraud alerts as required by applicable state and federal laws.
Product: Checking or savings account

I been with chase since XXXX, In XXXX notice is money missing, i wasnt able to enter to my account on line, i will called them let me know, i will check my statements on line and my balance will be accommodate, still knew it was money missing, and XXXX i decide to take a break from work and check on my accounts, i called bank several times to send me statements it took them about 7or 8 months to send it, my statementes were all mix and imcomplete, and when i decide to check on my statements i was not able to read or focus [ contamination ], it some charges from a company XXXX XXXX XXXX  web payments {$5700.00}, plus statements are very wrong to many charges from XXXX, XXXX, and many diferents charge it another few thousands, someone enter to my my account ilegally, plus i have contact the bank, to investigate, not resolving anyting closing the case with out investigation,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and Transunion and XXXX will not update my information. Even according to XXXX my information is e erywhere.
Product: Checking or savings account

I received and email on XX/XX/23 from Citizens Bank stating that my request to open a checking account was declined. I never attempted to open an account with this institution. 

Unfortunately, due to a busy schedule, I just noticed the email this morning. I called Citizens Bank this morning XX/XX/23, and the agent said : We thought that this would be a fraud case because important information was missing from the on line application. They invited the person to come to inside a branch complete the application on site. No one ever came in. She then went on to say that she couldn't see the actual application, that she was forwarding the information to the fraud dept and for me to contact the FTC. 

The Application ID is as follows : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there were fraudulent charges made on my XXXX XXXX XXXX with Synchrony Bank. I opened a claim immediately. I have attached a photo from a XX/XX/2022 statement to show I had not used the credit card prior to these charges. After almost 60 days my claim was denied. I called to open a new case when I saw the fraudulent charges on my card again and to close the credit card. For months, I was led on to believe by the company that I had opened a new case. I called several times and the XXXX XXXX credit card number/fraud department confirmed that the case was still pending and that it would take an additional 60 days. On XXXX, I saw that my XXXX XXXX XXXX had gone down XXXX points because of the fraudulent charges. When I called the fraud department told me that there was no open case and after going over details telling me the denial was the last action taken, they reopened the case. My case was approved in XXXX after I sent a letter of intent to open a claim and file legal charges.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, and another 30 days late on XX/XX/XXXXI am not sure how this happened. I believe I made my payments to you when I received my statements. My only  thought is that my statement did not get to me.