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

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX  Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX 

XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Credit reporting

I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.
Product: Credit reporting or other personal consumer reports

The accounts are unauthorized and not related to any transactions by me : XXXX XXXX XXXX ( amount {$1200.00}, account XXXX, opened XXXX ) XXXX XXXX XXXXXXXX ( amount {$610.00}, account XXXX ) I have no knowledge of these accounts, these are a result of identity theft. I would like these deleted within 4 business days, I would live these account removed, per 15 U.S Code 1692g. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from XXXX within the required XXXX business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that XXXX complies with FCRA regulations and corrects this issue immediately.
Product: Checking or savings account

We are an HOA in Ohio. We cancelled our management agreement with our management company. Due to this, we needed to open our own accounts. We came to find out that we were not signers on our own bank accounts. We established new bank accounts at Chase. Our management company wrote checks to us from our previous accounts ( with our company name on it ) and we deposited those funds into our newly established Chase accounts. Chase considered this fraud, closed our accounts, and are holding the funds. We have o # ered several ways to attempt to resolved this including discussing the situation with the losing bank. Chase refuses to talk to anyone not on the current accounts to verify the funds and will not return the money. They have le '' us no option and are threatening to release the money to unclaimed funds if we dont resolve this. They are holding approximately {$28000.00} of our HOA money and will not work with us to reasonably resolve the issue. We have worked with our branch as well as the call center people and been at stalemate for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have recently been notified by my local sheriffs department that I am being sued by MIDLAND CREDIT MANAGEMENT INC. Since XXXX, I have received a countless amount of phone calls, in efforts to collect an alleged debt. Since XXXX of XXXX, I have written proof of Midland refusing to remove this information or stop trying to collect on the alleged debt, as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX XXXX, as I know that this company purchased that debt that has been written off and was attempting to collect from me illegitimately. I have not now, nor have I ever in the past done any business with Midland Credit Management. For the company to harass and try to hold me accountable for inaccuracy and lie about investigating it and refusing to remove it from my credit report is willful noncompliance with the FCRA laws. I have already reached an agreement with the National Credit Reporting Agencies for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove the account. I am requesting that Midland provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the account belongs to me.
Product: Debt collection

Jefferson Capital Systems XXXX po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems XXXX XXXX XXXX am writing to dispute an inaccurate collection listed on my credit report with XXXX, XXXX, and XXXX. The collection is from Jefferson Capital Systems XXXX in the amount of {$11000.00} and is dated XX/XX/2020 I am requesting that you immediately remove this inaccurate collection from my credit report. I am a victim of identity theft and this collection is not mine. I have included evidence of my identity theft, as outlined in the Fair Credit Reporting Act. 

I am also requesting that you provide verification of this debt that you are reporting to the credit bureaus. 

Please provide me with written confirmation that you have removed this collection from my credit report within 30 days of this dispute letter. 

I look forward to hearing from you soon. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX & XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In 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. 

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 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/19 Barclays Bank sent a letter saying my credit limit was being reduced due to a seriously delinquent account and because of high account balances. I called Barclays Bank on XX/XX/19 and spoke with XXXX and explained that I had a fraudulent account placed on my file, and that account was the only account that was delinquent. My existing balances have been very consistent in the usage rate, and I was never contacted by any lender regarding high balances until I received Barclays ' letter. XXXX said that the only way I could get the available balance increased was to pay a substantial amount on the balances. Even if the proportion of high balance to available credit is a concern, the act of reducing available credit creates an even higher percentage. Thus the " problem '' is compounded so Barclays Bank is creating a more significant " problem '' by their action.
Product: Money transfer, virtual currency, or money service

On XXXX, I opened a Coinbase account. I am new to cryptocurrency and wanted to try it. I purchased roughly {$1000.00} in cryptocurrency. On XXXX, I tried to purchase more, and got a message my buying had been XXXX. I have been locked from buying for 14 days now. I have verified my social security number and photos of my drivers license and self photo multiple times for account identity verification. Each time I send, I get a green checkmark. A few minutes later I get an email saying verification failed. I have spent hours waiting on hold via phone and chat without reaching a human. Finally on XXXX i spoke with a representative via chat, and she transferred me to a level XXXX XXXX who said I need to resubmit photos. Ticket XXXX. I have since resubmitted photos numerous times and still get the same error. Each time i contact support they tell me verification failed. Today they informed me I would have to wait another XXXX  days for a new account verification. All I need is a human to look at the photos I submitted and tell me what the issue is. Kentucky XXXX ID XXXX XXXX are holographic. I dont know if that might be the issue with their AI approval or not. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report and I see it hasn't been updated and I need my report update
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$7400.00} & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Product: Bank account or service

On XX/XX/2011 i deposited a check of XXXX into my Bank of America account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and bank of america and nothing is been done. I asked bank of america for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I saw accounts that shouldnt be there, and I have no idea how they appeared. I regularly monitor my credit report, but this time, I came across discrepancies that were never there before. I attempted to refresh my browser in case it was a minor glitch, but the incorrect accounts were still present. Because of this, I kindly ask for a detailed review of the documents I submitted to put an end to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these accounts, along with navient has violated my federally protected consumer rights under the FCRA and also under Truth in Lending Act
Product: Credit reporting or other personal consumer reports

Credit karma said I had excellent chances of getting pre-approved for a credit card and more then once this happened a hard inquiry was made to my credit report because of it and I didnt even get approved for the card and I was supposed to be already pre approved my credit score suffered drastically over this false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the CFPB case # XXXX ; The company Sears responded to the above case, but they did not solve the issue in a proper way. 

When I look at the documents sent by Sears, I saw 2 errors that a credit applicant ( me ) can not do. 

Sears First error : In their records, the name is seen as " XXXX XXXX XXXX ''. 
My name is " XXXX XXXX XXXX '', like a normal person I did not provide this information to Sears to open a credit card ( Even in the case they look at my ID card, they would see that my name is not XXXX XXXX XXXX ). I always use my name correctly when I apply for credit. This shows that the account is opened in an unresponsive manner. 

Second error : Company wrote that they sent all statements to my address when I mentioned that I never ever get any statement. According to their records, the credit card was opened at XX/XX/2017.  At that date, my residential address was " XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NJ ''. 
I never gave the address that Sears has in their records for a credit card. 

I have no idea how Sears opened a credit card with a false name and with a false address on my SSN. 

So, I had no information about the credit card, I never got their statements and because of unresponsible behavior of Sears, my  credit reports show 30 and 60 days late payment, my credit score drops. I suffer to get high APR for my Auto Loans and Mortgage payments. 

As a responsible credit user, I always paid all my loans on time in all my credit history. Sears ' unresponsible behavior created serious delinquency in my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX  added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to XXXX that my past due was {$72.00} and to XXXX as {$2.00} and my credit report mailed to my address by XXXX in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXX.i paid above the minimum they credit bureas have on my credit file. 

XXXX XXXX XXXX  report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me
Product: Mortgage

After my mortgage was sold to Nationstar, I have had nothing but trouble dealing with them. Payments are sent automatically from my bank every two weeks which exceed the minimum due. Nationstar is not applying the payments to my account and is now charging late fees despite having received full payments. 

Nationstar responded to a previous complaint through this department, admitting they are receiving regular, timely payments. Nationstar refuses to comply with the law concerning changing the repayment terms when they purchased my account. 

On top of this, Nationstar calls my cell phone with a robodialer multiple times per day. They have previously settled a class action lawsuit over this practice, but continue it with new customers.