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

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were reinstated without notifying me within the required XXXX window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. 

Sincerely,
Product: Checking or savings account

On XXXX, I attempted to access my bank account and saw that the bank has closed it. I called and they said they could not give me any information but I can put a request in for my funds to be accessible. Since then, I have not been able to access their customer service as you need a bank card number to reach a representative, and I no longer have one. Also, I have made several returns with that account and have open claims, that I have not been able to track the status of the claims or confirm the returned items funds being successfully deposited in the account. Again, I have tried numerous times to call their customer service but can not access a representative because I no longer have a valid bank card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account Equifax and XXXX  will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Complaint Against Citi Bank has been left unauthorized hard inquiry on my credit without my authorization as date below CITICARDS CBNA Inquiry date : XX/XX/2020 so i have been indicated is fraud use my identity with 3 report credit companies XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX Inquiry from XX/XX/2017 Unauthorized inquiry, and they will not removed ... XXXX, credior said they should remove it, if I didn't authorize ... 


Transunion XXXX Inquiry from XX/XX/2017 XX/XX/2017
Product: Debt collection

I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.
Product: Vehicle loan or lease

I paid the lease perfect at the end of the lease i turned in the car and verified with Ally Bank that no additional funds were owed. With no phone calls, letters or explanations an charge off was put on my credit. I disputed it with the credit reporting agencies ans Ally said it was charged and then paid. I never paid it and i never had a amount due or to be charged off.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

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

XXXX XXXX XXXX XXXX has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet XXXX XXXX XXXX XXXX has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on Trans Union.
Product: Credit card

On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.
Product: Debt collection

Structured Settlement who represents XXXX XXXX, left messages with family members threatening to take me to court and demanded money. One the reps called me today and admitted they left messages with a XXXX, a family member of mine that has been deceased since XXXX. I'm tired of being harassed by this company.
Product: Money transfer, virtual currency, or money service

I used XXXX to send money to ymy brother in law but had put in the wrong phone number, i tried to cancel but was unable to and even call wellsfargo spoke with customer service and unable to help and was told to call or message that phone number which never answer and lost $ XXXX.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit reporting act 15 USC 1681 section 602. XXXX an Experian are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is 15 USC 6801. It is also congress policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers personal information. The financial institution and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial intuition may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' They never informed me of my rights to exercise my nondisclosure option. According to 15 USC 1681 ( a ) ( 5 ). Except as authorized under subsection ( b ). This account is an adverse item they are reporting again without my permission which is against the law. Per 15 USC 1681s-2 ( A0 ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person believes it is inaccurate. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 " A consumer may exercise r\the right to opt out at any time '' I am opting out of your reporting services.
Product: Debt collection

On XX/XX/2017, this debt for { {$100.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please do n't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting

I ran my credit reports through annual credit report site and Experian reports did not work. XXXX to Experian site and ran report then tried to dispute information. Online dispute from Experian does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX and XXXX XXXX XXXX and they told me that the information concerning settlement was paid had been sent to Experian XXXX XXXX XXXX in XXXX of XXXX. Experian reply was that they had not received this data from the debt collectors.So I sent to Experian the paid receipt from XXXX XXXX XXXX. Experian reply was that they could n't accept the proof I sent them to make any changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute on XX/XX/2018 thru credit karma for XXXX and they are still processing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.
Product: Debt collection

This company, Receivables Management Partners, RMP has called me multiple times from multiple numbers after I stated this is something that should have already been managed and to send me it in writing. They rudely said they already did that and would send it again and I still never received anything. They have since called from multiple numbers all starting with XXXX. I have blocked a few as they are harassing at this point and then will get a call from yet another of their numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.
Product: Credit card

This is not the first time it happened. 

Chase closed my checking account and all my credit cards back in XXXX. So I do not back with this company. I only do a credit card due to United Air points. 

They closed my Credit card in XXXX ( I do not remember the exact time and date ), which I did not care about since I use AA. I still do. 

I applied for United Air CC, which is Chase again. The reason why is United Air is opening a route to my country in XXXX. So I could take advantage of the points. They approved me for a {$15000.00} credit line. I got the credit card. Chase closed it again as of XX/XX/XXXX. The letter cites that " because of your association with a Chase credit card, deposit or investment account that was previously closed ''. 

I would like to know the association I had with Chase before that triggered the closing of my accounts not once but three times. I am 200 % sure that I did not have bad credit or unresolved balance issues. I know for sure they closed mine at the same time Chase closed my father 's account at the same time when it happened first. I did not understand why. We are two different people with two different finances. I am determined this time to find out what it is and if I have to take legal action I am ready.
Product: Mortgage

My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX
Product: Debt collection

Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.
Product: Debt collection

I want them to correct and remove the error from my credit report. 


I contacted XXXX XXXX XXXX regarding portfolio recovery I was in communication with portfolio recovery through the XXXX and he stopped communicating with me. 
I am contacting you as a means to resolve this unfair practice its just unfair. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

They refused to refund the amount. This what they stated in their e-mail : From : XXXX Customer Service XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX Subject : Thank you for contacting XXXX Customer Service To : XXXX XXXX Cc : XXXX XXXX Dear XXXX XXXX, We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on to make this decision, please contact us. You can also mail your request to : XXXX Attn : Customer Operations XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX USA In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

Sincerely, XXXX Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by XXXX, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Both my wife and I have accounts with XXXX. On or about XX/XX/XXXX, we sent {$500.00} from my wife 's account to XXXX. The money was sent to the wrong account number ending in XXXX instead of XXXX. XXXX charged our checking account for {$500.00} on or about XX/XX/XXXX. We found the recipient has not received the money. Therefore, on or about XX/XX/XXXX, we sent {$500.00} from my account and XXXX c charged our checking account for {$500.00}. This time the money was sent to the right account ending in XXXX. Since then, we have tried to get a refund from XXXX and have not been successful despite spending 15-20 hours and exchanging various emails with no results. Every time I talked to XXXX 's customer service people they tell me it takes 30-60 days then 90 days and then forever. In the email above they refused to refund.
Product: Credit reporting or other personal consumer reports

Experian credit reporting has my credit rating at XXXX while XXXX XXXX and XXXX both have it at XXXX. Experian has cost me being refused while looking for cheaper car insurance and in addition will effect my interest rate for years because I am looking to purchase a car. They might possibly cost me not even being considered for a loan. I have taken years to resolve my debts, yet their report shows me as a risk still with the old debts while the XXXX agencies above mentioned that I get through XXXX XXXX keep increasing my rating.
Product: Checking or savings account

I previously submitted a CFPB complaint against experian ( see CFPB complaint no. : XXXX ). In my previous complaint, I never received my physical experian debit card. Experian then responded that my mailing address is a business address, and that Experian does not mail to a commercial address. I rejected XXXX response because it was false and misleading. My address is not a business. It is not a commercial address. It does not have unit numbers. There is no commerce. It does not have business signage. I do not own a business. It is a residential property and a primary residence. Please mail my debit card to my residential address as previously requested : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Otherwise, I will retain an attorney and file suit. Settlement will be off the table.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to. 
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.