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

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was away on military duty, and had no way to pay my cards. They marked me late those 3 months, as soon as i returned, i paid it off completely. Per soldiers and sailors act, they aren't suppose to charge me as late.
Product: Mortgage

To whom it may concern, We have repeatedly contacted Veterans United home loans for a solution to get back on track. After ending our forebearance because of covid I Called in XXXX of XXXX for a payment plan, was told it was approved by Miss XXXX then never heard back from them about the amount of the payments the terms and when it was to be started. Called 2 weeks later, was told by another representative that it hadnt been approved, that we should do another month of forebearance and call back at the end of XXXX and request a deferral to the end of the loan. Called again and the representative stated only homes that were rentals qualified and that we qualified for a no doc option to finance the late payments and would be caught up, she supposedly submitted that option and said we needed to call back in a week or so to check. Called again and was told we were still waiting and to call back in a week or so, called back spoke to a representative named XXXX who stated the paperwork hadnt been submitted and that it was veterans Uniteds fault and now we needed to apply for a loan modification. After calling back yet again, we spoke to a miss XXXX who said we need to submit a hardship form and paystubs, she assured us that it would be ok. I called again and spoke to a miss XXXX who said we hadnt submitted documents needed and she submitted the no documentation loan modification as of today, she advised me to resubmit all the docs requested for the loan modification with our loan number to XXXX which I have now done twice. I was also told that back in XXXX a payment plan was approved but we couldnt use that option because we hadnt paid.again referring back to me calling in but never received any payment information-amount or when or termshow are we supposed to pay something we were never informed about. We beg you to please investigate this issue and allow us to have a repayment plan that we know the payment amount and dates, or deferral to the end of the loan, or an approval for the no documentation loan modification. We are desperate and the ball was dropped by veterans United home loans. We want to keep our home, we have the means to start paying but this mess has prevented it from happening.
Product: Debt collection

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 in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX : {$480.00} XXXX. XXXX Account Number : XXXX XXXX : {$510.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX XXXX account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This morning, I was absolutely stunned to find false accounts listed on my credit report, with no explanation at all. I always monitor my credit, but these discrepancies seemed to just pop up out of nowhere. I tried refreshing the page thinking it was a glitch, but nothing changed. Im pleading for the documents Ive provided to be reviewed carefully so I can finally stop worrying about this situation.
Product: Credit reporting or other personal consumer reports

Request for debt removal. Permant deletion of false debts. Debt validation. Proof of debt originally. I have been denied my legal rights. Had tremendous difficulties with my submission of request of documentation of statuses and much more. Overall very unsatisfied with the treatment my name has received over the frauds.
Product: Credit reporting, credit repair services, 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, Acc # XXXX, XXXX XXXX, Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX, XXXX  Acc # XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc XXXX XXXX has violated my rights.

Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? Can you please investigate, if you find this true can you please remove inaccurate info of my report please.

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: Vehicle loan or lease

Hello, I tried to resolve this issue with Santander, I was told that they would remove this loan off my credit report, I am ( the co-signer ) in XX/XX/2021 which they seem not to remember? Also the amount due is questionable because, I was told 52 payments were made over approximately {$500.00} per month. This was a XXXX loan they are saying over XXXX is due how can that be when they sold the vehicle and never reporting back to what they sold it for so how could we know was really owed on this loan. Also there was a class action law suite on Santander for misleading customers and over charging customer. We were told that they were supposed to correct this and taken off our credit reports. I feel they they should take blame for their wrong actions misleading their customers and make it right. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

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

Company name : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$7300.00} Company is reporting a debt more than 7 years old. They are taking an account from a different lender and starting a new timeline on age of debt charge off.
Product: Checking or savings account

On XX/XX/year>, the PNC branch at XXXX XXXX XXXX XXXX, FL XXXX gave {$6000.00} to an individual claiming to be me. The individual did not have the debit card, nor the PIN that was texted to me and the signature is not even close to mine. I'm unsure if they had a fake ID with my name. I received a PIN via text with a message to call if I did not request it and was told by the customer service rep that it was probably an old, delayed PIN from a previous time I called. The way she was speaking, she sounded as though she was not with PNC and I thought the text with the number was a scam. I thought nothing of it, until I received an email today, XX/XX/year> that prompted me to review my account. Upon doing so, I realized that it is {$6000.00} short. After much discussion and prompting, the customer service person informed me that the transaction happened at the XXXX branch. She was very reluctant to provide me with that information until I informed her that I needed to know if my identity was at risk. 

I called the XXXX branch and spoke with the Branch Manager who requested my account number. The account # is mostly XXXX 's online and I was unable to provide it. She instructed me to go to my statement and said it would be there, which it was not. She then asked for my SSN which I refused to give her. I did not trust a possible accomplice to this theft with my SSN. 

At this time, I have filed a police report and am awaiting a call back from the fraud department at PNC.
Product: Credit card or prepaid card

I have had two credit cards with Bank of america for over 13 years ; one master $ XXXX limit and one Visa also $ XXXX limit. 
* The master card one, i only use it to maintain the account open, no usage in the last couple of months. 
* The visa card, I only use it at two locations, my employer cafeteria ( average {$7.00} per day ) and XXXX once-twice a month. 
Bank of America suddenly have revoked both of my accounts at the same time, with the reason of " irregular transaction activity ''. Knowing that I don't even make many transactions, I have questioned BoA for further explanations, however they claim not been able to explain to me any further due to their policy which of are not available to customers also according to BoA. 
This was escalated twice up to credit department customer solutions upper management who have told me that reasons would be available only through subpoena file in court.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2024 at XXXX I called to XXXX XXXX XXXX request the opening of a XXXX line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to Transunion in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from TransUnion and XXXX. Please find attached XXXX separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.
Product: Mortgage

I was divorced on XX/XX/XXXX. I was awarded the home in my name only and my ex husbands name was removed from the deed.I feel behind on the mortgage after our divorce and contacted the company. They said I could do a modification and it would remove my ex from the loan. My ex did not sign the modification documents and his financials were not considered. Once it was finalized, they said I was told by mistake that his name would be removed. 
Now he has taken me to court to get his name removed. I can not refinance because I lost my job due to the pandemic and have only been in my new position for a year. 
I have requested a loan assumption of the current loan and its modified terms and conditions. Even though this is conventional loan..it is assumable under the XXXX XXXX of XXXX that exempts transferred resulting from a divorce from any due on sale clause provision that exists in the mortgage. 
Please see documents attached in reference to my request sent to Carrington mortgage several times.
Product: Bank account or service

On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. 
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.
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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a violation of the Fair Debt Collection Practices Act ( FDPCA ). 1. Received no communications from LVNV Funding LLC at anytime. No Phone, No mail notification. 2. Never verified this debt with me before reporting to the credit bureaus. 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.
Product: Debt collection

This has been a nightmare. In XX/XX/2020 I ordered XXXX XXXX XXXX pills for an advertised price of XXXX shipping and handling for a free sample. I ordered the pills and the oil for the price of XXXX online using my Chase Debit Card ending in XXXX. In XXXX I received a test from Chase that suspected Fraud had been committed on my account in the amount of XXXX and this amount was returned by Chase to my account. The same transaction again posted to my account and Chase advised me to change my Debit Card, which I did resulting in a new card issues ending in XXXX. The transactions were coming thru as XXXX ... as listed on the documentation. Chase later withdrew XXXX from my account and when I asked why explained that the company had charged me XXXX previously so I had done business with them? I was confused but found out from the amount that this was the XXXX XXXX purchase. I disputed it and have gone back and forth with Chase since as they continue to take the XXXX out of my account. I was told by Chase to contact the vendor and tell them I disputed the transaction and that I did not want the service. I did this and informed them that they never advised a withdrawal would be coming out of my account for such an amount, I was told it was a free sample. The company denied that they did not disclose this charge. Chase on XX/XX/2020 once again reversed my dispute and told me I would have to take it up with the vendor. This company should be stopped from false advertising and from billing the bank in an unknown name after a purchase has been made. Chase should not honor such charges. I am not the only Chase customer who has experienced this, I am told.
Product: Credit reporting or other personal consumer reports

" According to my XXXX credit report, LVNV Funding LLC 's account number as reported by XXXX is XXXX. As of XX/XX/XXXX, my previously closed LVNV Funding Collections account was unlawfully reopened by LVNV and sent to XXXX. This credit reporting agency has unlawfully posted the negative LVNV closed collection account as reopened on XX/XX/XXXX, and opened on XX/XX/XXXX. I viewed my XXXX credit report and it showed biased and unlawful credit reporting by XXXX towards people of XXXX. My FICO score tumbled down XXXX points following XXXX 's decision to allow LVNV to reopen my closed account. Now it's displayed on my XXXX report, which just shows that XXXX XXXX is still alive. '' It appears that LVNV Funding Collections sent some documents to XXXX. However, it is unclear whether LVNV Funding Collections had the legal authority to reopen and close the account without any negative impact on my livelihood. Unfortunately, XXXX allowed LVNV bias to report the closed account as reopened on my XXXX credit report on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX This complaint to the CFPB is being submitted to request that Experian, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within XXXX business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : 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 XXXXXX/XX/XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission. XXXX