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

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have made several attempts to pay my car note online through the online portal and I get a message that states that I have to call in to speak with customer service. When I call in the phone will hang up each time, so therefore I am not able to reach anyone to talk about my loan or pay it nor I can pay it online as my access to the online portal has been denied. I have questions in regard to my account but not able to reach anyone.
Product: Debt collection

I do n't know if I completed the correct box but I truly need help with XXXX XXXX XXXX and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. XXXX XXXX received an account from Specialized Loan Servicing and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XX/XX/XXXX. XXXX XXXX then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse Specialized Loan Servicing shows in the payment history as having a balance of {$49000.00} as of XX/XX/XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
Product: Debt collection

I looked on my credit report and noticed that there are two alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}
Product: Mortgage

My Mortgage was transferred to Nationstar Mortgage XXXX on XX/XX/XXXX. ( Loan # XXXX ) The information from XXXX to Nationstar seems to have been delinquent.. 

I have never had a lapse in homeowners insurance and have sent this to them on several occasions. 
Nationstar has repeatedly hung up on me and transferring me to several different people. 

On XX/XX/XXXX they provided an escrow review statement showing a negative {$4100.00} in the account and also proceeded to purchase XXXX XXXX XXXX in the amount of {$2800.00}. 

They raised my Mortgage payment from {$2400.00} to {$2900.00}. 

Since then I do not see any monies from the hazard insurance they purchased deposited back into the escrow account and they refuse to re-analyze my escrow to get my mortgage payment back to what it was. ( I believe when I request an escrow analysis they are to perform XXXX by law. I get hung up on the phone. 

Additionally I did request them to do this via their message center on XX/XX/XXXX and they just responded me to call them. 

XXXX ( XXXX # XXXX ) also bought XXXX XXXX on XX/XX/XXXX in the amount of {$2800.00} and XX/XX/XXXX for {$620.00}. 

I have always had insurance on my home. 

I paid XXXX {$820.00} on XX/XX/XXXX and {$920.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to Jefferson Capital Systems. In my request, I disputed the unverified data and requested proof of debt. It is now XX/XX/2021 and the unverified debt remains on my XXXX  and XXXX  Report. In my request for removal- the debt agency claimed the debts have not been reported. The attachment has been supplied. However, the item remains on both described reports for - {$1600.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$5200.00} DEPT OF ED / XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Product: Credit card

Bank of America has frozen one of the credit cards I have with them stating they suspect fraud ... I had already told them the charges were legit but they say I need to go to the bank... mind you I had charges on my other card with them from the same company and they didn't freeze that one. The problem I have is I can't even make a payment without going through so much XXXX. None of this makes any sense. There are no appointments available at the bank near me for maybe two weeks if even then ... My credit card pay will be due in a couple of weeks and this is just ridiculous. They did this once before a year or so ago and after about a week I called again and the person who answered removed it immediately saying it made no sense. Also a couple of days ago I was able to get in that card for a few days but then I went back in today and it was frozen again and I hadn't used it or anything ... .and they say they can't tell me what the problem is. This literally makes no sense at all. I would be grateful for any help I can get with this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction
Product: Debt collection

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Product: Credit card or prepaid card

XX/XX/2022 Made a credit card payment of {$780.00} at Bank of America atm on XXXX XXXX XXXX in XXXX FL. The machine malfunctioned, ripped one of the XXXX dollar bills and sent the corner out with a receipt stating that the cash was not credited and to call a phone number and make a claim. Made the claim, and was told it was would rectified in 5 days. Followed up today and was told that it could be 60 days and there is nothing else that can be done. It is extremely stressful to not be able to get any confirmation of where the {$780.00} went and to wait two months for it to be credited to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ list account types ( example : a personal loan or loans, a credit card or credit cards, and any other accounts ) ] from Central Portfolio Cont with a balance of {$1000.00}, XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$270.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of the previous letter. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. 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 account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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 each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00}.
Product: Credit reporting or other personal consumer reports

Attached are all the closed accounts that have been on my credit report for more than XXXX  years. Can we please have these removed. Its killing me
Product: Debt collection

XX/XX/2020 I currently reside in XXXX, AZ and my phone has an XXXX XXXX prefix. My mailing billing address is in Georgia. On more than one occasion Ive told Ally Financial my living arrangements and medical condition. I continue to receive calls at inappropriate and inconvenient time. Today at XXXX PST ( XXXX EST ) I  received a call from ( XXXX ) XXXX and at XXXX PST another from ( XXXX ) XXXX ( XXXX EST ). On the second called the agent could barely pronounce the name correctly, and when asked who this was she went right into the call is being monitored and record ... I advised the agent the in the spanned of four hours youre making my phone ring multiple times in a day after a voicemail was just recently left. The agent said the account is in collection and they can call as many times as they needed. I told the agent to shut her mouth, she can not make my phone ring Unnecessarily. I also advised the agent the call was at an inconvenient time and she still wanted to proceed with the call. I told the agent to shut her mouth again, the agent said sir your a grown man dont talk to me like that, Ill just call your family. I believe the agent name was XXXX or XXXX. I also recently made a payment on the account on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Experian and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in forbearance last year, first for 3 months. I signed a Partial Claim Deed of Trust to end my forbearance in XXXX, 2020. I was later told that this could not be timely processed and that it was NOT filed or recorded. I then was put back on forbearance by my lender, and again signed a Partial Claim Deed of Trust to end my forbearance in XX/XX/2020. I have recently learned that they did, indeed, file both of these Partial Claim Deeds of Trust against my property, which is double dipping. The amount for the XXXX Partial Claim, includes the full amount of the XXXX Partial Claim. I have received payoff statements from both XXXX and HUD, and neither is claiming this XXXX Partial Claim, but they also have not applied it to my loan. I have been trying to get them to help me since XX/XX/XXXX, and no one will return my call. Each time I call them they give me the run around, transfer me to various people and departments, only to leave a message again, for which I have not received a return call. I need this extra lien to be removed from my title on my property or for XXXX to properly allocate this to my mortgage, which will create a 3-month credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received an email notifying me of a charge to my PayPal account for {$340.00} from a microcomputer service company that I did not authorize. I thought my PayPal account had been deactivated at least 6 years ago and called PayPal at XXXX as advised in the email. When I made the call, I received the usual notice for today that due to COVID, the PayPal customer service department was closed, but that functions for billing disputes were available. In the process of working with a PayPal employee to resolve the issue, access was provided to Paypal to determine what happened and how to prevent access to the Paypal account going forward. In the process, the Paypal employees ( names with dates and amounts are provided in the attached documentation ) transferred monies between my accounts and used my accounts to make unauthorized purchases. Also, Paypal requested funds in the amount of {$2000.00} through 4 gift cards to prevent unauthorized access to my " deactivated '' Paypal account. XXXX XXXX  and XXXX XXXX XXXX stopped all but one of the transactions from being completed through their fraud surveillance departments. The letter sent certified mail to Paypal is attached with the supporting documentation and details including dates, names, actions and amounts. 

I am requesting a refund of {$2000.00} from Paypal for the gift cards used to purchase software to prevent unauthoriz ed access to my accounts. 

As additional detail, copies of emails and order confirmations for the original unauthorized charge of {$340.00} to XXXX XXXX XXXX XXXX are provided. These emails were received on XX/XX/XXXX. The address on the receipt is the corporate office address of Paypal while the address on the order confirmation email is for Paypal in XXXX, Washington. Again, this appears to be legitimate concern. I called the number given in the order confirmation email - the greeting doesn't mention Paypal. I spoke with a " XXXX XXXX '' who requested electronic access to my accounts to resolve the issue. Lesson learned - no access was given. Either Paypal 's accounts have been illegally accessed or they have rogue employees who are fraudulent conducting business in Paypal 's name. Either way, I need the refund of {$2000.00} as soon as possible. 

If any additional information is needed, my contact information is : Phone number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Thank you for your help! 

XXXX XXXX
Product: Credit card

I believe I was a victim of fraud. I found multiple items on my credit report that I have no acknowledgment of. I never applied for any credit cards, received or used a credit card.
Product: Debt collection

XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.