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

My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXXXXXX  reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.
Product: Debt collection

We moved from an apartment ( XXXX XXXX, XXXX, CT ) XXXX 2017 and were told we 'd receive a statement that identified what had to be repaired prior to leasing the apartment again. ( We had the walls painted while living there and were told we have to pay to have them repainted white. ) That was fine - the office at XXXX XXXX said we received an statement that included the itemized cost. Then we were told the carpet would have to be replaced as well. ( I thought this basic maintenance but okay ). We kept the apartment in excellent shape and were told by the XXXX XXXX Office Manager, XXXX, that cost would properly not exceed {XXXX}. Plus we had our security deposit to apply. 

After we moved I called the office at XXXX XXXX ( XXXX - Lease Manager ) told me I 'd received an itemized bill with the breakout of cost and that my security deposit would be applied. The office had my new address along with my email address so I figured I 'd received something soon. I never received anything and had called the office in XXXX or XXXX to let them know nothing had been received. I confirmed again my address and assumed I 'd receive a bill with the security deposit applied to the total cost. I never received anything. 

In XXXX I received a notice from Rent Recovery Solutions that I owed {$XXXX}. I am still waiting to receive the itemized breakdown from XXXX XXXX as to exactly what is owed and where my security deposit was applied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXXXXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the following account listed below is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Product: Credit card or prepaid card

XXXX XXXXXXXX XX/XX/XXXX I received an e-mail advising that my XXXX XXXX account was closed. I attempted to contact them 15 times to try to resolve this issue. My account was paid in full. I was never late. All the customer service representatives that I spoke to were extremely rude. I asked why was my account closed when I did not request to have it closed. 

XXXX XXXX Credit CardXXXX XX/XX/XXXX I attempted to use my XXXX XXXX credit card, and was advised that my credit was decreased all the way down to {$150.00}. When I asked why, I was advised that i would need to contact the credit agency to find out why.
Product: Credit card

I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer.
Product: Checking or savings account

I had over {$5000.00} fraudulently charged to my business debit card. These all happened back to back on XX/XX/XXXX. Got an alert from Wells Fargo and immediately cancelled card and opened a fraud claim. 
This claim was denied and closed. They said they will not reconsider. Absolutely unacceptable as I did not make these payments or authorize anyone to do so. I am a small business, I run everything myself and over {$5000.00} is serious. 
Some of the big charges are to XXXX, a personal loan/credit card company. I do not know this company and have any accounts with them. That can be proven. 
However, whoever stole my debit card info paid XXXX {$3500.00} + {$1000.00} on XX/XX/XXXX. There were also charges from XXXX in XXXX. XXXX XXXX in FL. All in the same day. We live in NC. 

I need to do everything possible to get my rightfully earned money back so I can change my bank.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$14000.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX account which I voluntarily Closed on XX/XX/XXXX ( over a year ago ) and my account keeps changing multiple times a month on every CRA reporting my account as Closed then open, then closed with different dates, then open then closed with remark codes added then removed then added then removed. Most recently, instead of reporting my account as Closed on XX/XX/XXXX as it had done from XXXX thru XX/XX/XXXX, my Equifax report showed my account was inaccurately closed on XX/XX/XXXX. I have complained numerous times that my account data was disputed but XXXX and every CRA willfully violated the FCRA by not putting the required Notice of Dispute with the known XX/XX/XXXX date closed based on historical records which should have prevented the facially false data and closure and dispute data from changing or being removed. I am filing this CFPB complaint as today XX/XX/XXXX, I was notified that the Remark code removed from XXXX XXXX XXXX account Between XXXX XXXX, XXXX and XXXX XXXX, XXXX were removed..Account closed at consumers request and finally after months the dispute status was added. The removal of the status account closed at consumers request constitutes a repeated willful FCRA violation and facially false data. What is wrong with you people!!!!
Product: Mortgage

Good Morning, I have contacted you before with concerns regarding my escrow account.

I tried my best to get my payments readjusted to the original amount.

I sent every amount requested which was over {$500.00}? The last payment sent was in the amount of {$290.00}? with a letter sent by the bank indicating I was paying forward. My local bank verified and sign and dated the letter. The certified letter arrived on XX/XX/XXXX, I was told my deadline was in XXXX. Apparently my letter was separated from the certified check when it arrived to the Mortgage Company. The payment I am told was applied to the wrong account? My request was not honored because of the Bank mistake. I was told the letter was supposed have been sent to another address. 
This is confusing ... .Why would I mailed a letter indicating I am paying the necessary amount and the check to different addresses? I was told there is now an over payment in my escrow and I am due a refund. I received a call several weeks ago about a and the Bank did not know were to send my refund check. 
I don't have a po box I received monthly statements and all Correspondents at my property address. I have requested a printout of my mortgage payments.I have asked what was in my account prior to the escrow analysis. I was told I would have to pay {$670.00} for 6 months only and then my payment will increase again. I have not received my overpayment/refund check. 
I need your help in this matter. Thanks and have a Bless day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX  XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX fail TO delete multiple inquiries due to fraud and they fail to investigate my credit report
Product: Student loan

In XXXX I was misinformed and signed up for XXXX XXXX XXXX XXXX XXXX student debt consolidation program. It costs $ XXXXmonth for XXXX to continuously update my information to the federal student aid program. When nothing changed regarding my student loan information, I inquired at XXXX I learned that XXXX was a scam that the gov provided for free. I called XXXX to cancel my " membership '' XXXX of XXXX, where I was informed " If you choose to waive this valuable protection program and all of the benefits available, you may cancel at any time by sending your written request to our office via certified mail, return receipt requested. Please send all requests for cancellation to ... '' To which I did. Billing continued, unbeknownst to me, into XXXX. When I realized auto-pay was continuing, I called XXXX to find out they had not received my letter. I sent another. In XX/XX/XXXX I was looking into my finances, and discovered that I was still being billed. I called again, still no letter received, so I sent a third, as well as called my bank and had that auto pay blocked as a scam. Today, XX/XX/XXXX I received 5 separate phone calls from " XXXX from XXXX XXXX XXXX. '' All from a " restricted '' number, regarding student health information, and asking me to call back at XXXX, but no actual information. I called the number to get a vague menu of options. When I finally answered another call from XXXX I learned that I have a back log of payments from ... XXXX. I can send in another letter, but I need to pay 8 mo because there's no record of my letter of cancellation. Asked for the address once more, this time I XXXX it. The business address is for " XXXX XXXX XXXX '' in XXXX FL. Amid the search for the company, I found this as an option. I have attached a pdf showing emails showing the auto-pay receipts. There are several gaps in payment, each beginning with a date that I cancelled my account. You can also note the reply to email in the body of the receipt changes.
Product: Credit reporting or other personal consumer reports

I have been fighting the credit bureaus and XXXX XXXX for years because someone was using the credit card in my name. XXXX XXXXXXXX and now XXXX is not mine on the credit report. XXXX XXXX was not mine and proven not to be mine and it is still showing in some credit bureaus but my main concern right now is removing a XXXX XXXX bank account credit card for XXXX dollars which started out to be {$300.00}.
Product: Debt collection

Received a call from a XXXX Delaware number ( XXXX ) XXXX, first they called on my house phone which I did not answer, then they called my cell I answer and they guy was saying that I owe {$600.00} plus on a loan from XXXX  and saw that I was making payments on the loan in 2015. I said ok well I need to see this in writing to see the amount of the loan, he said he can't send that to me because they have been before and I have not received anything from them in years. So then he said its turned over to litigation and they will pursue legal actions towards me and I stated well I need validation in writing about this loan that they say I owe and I know I don't owe that much if I had been making the payments on the loan. So then he kept talking asking what made me fall behind and I just hung up the phone and he called me right back but I did not answer, I did ask for a validation letter and was told it's too late for them to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX  and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Product: Debt collection

Upon finding out my medical bill was sent to collections, I paid the bill directly to the health care provider. Although the collection was removed by XXXX, XXXX continues to show it as an open account. Receipts outlining paid have been provided. In addition collection company falsely stated my debt was discharged or I was late on paying the collection amount. Debt owed paid in full. In addition XXXX gave collection company sensitive medical information in direct violation of HIPPA laws. The collection company had my XXXX, XXXX done, medical issues found, and various other medical issues from my medical chart.
Product: Debt collection

XXXX XXXX XXXX XXXX SOLD MMY ACCOUNT THAT WAS LISTED ON THE FTC I.D . THEFT REPORT FROM XXXX IN VIOLATION OF THE DODD-FRANK ACT-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this issue. I have a 30 day late with account XXXX XXXXXXXX from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with XXXX XXXX XXXX XXXX XXXX XXXX said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided XXXX with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Product: Debt collection

XX/XX/2018 I received a written notification from XXXX XXXX XXXX XXXX  regarding an attempt to collect a debt. This notification was answered, via a typed document, by me XX/XX/2018 disputing the debt and the amount of the debt. Monthly payments have been and are continuing to be made on a monthly basis. I had also notified them that I have had to request, on numerous times, an updated and correct billing invoice of which I would receive after several requests. During those wait times I continued to make monthly payments. I received a call at work today on, XX/XX/18 at approximately XXXXXXXX from a " XXXX '' from XXXX XXXX XXXX XXXX . I relayed the information above to which he stated he had no " proof '' of. I expressed my sympathy to him and suggested he check all records from XXXX XXXX XXXX XXXX and for clarification of correct information. " XXXX '' continued to verbalize his monologue and I I thanked him for his call and hung up. 

A second call was made by " XXXX '' at XXXX XXXX and was forwarded to voice mail. I sent another notification to XXXX XXXX XXXX XXXX   requesting correct information from their source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy 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, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a complaint with the CFPB against Equifax for using personal information without written consent. I advised Equifax that they violated XXXX5 USC 1681 b ( a ) ( 2 ). On August 3, 2022, I learned Equifax has misused my personal information. Equifax has caused intentional harm to me by providing false and inaccurate information to lenders in response to a credit extension request. I am filing this complaint to DEMAND Equifax terminate the usage of my personal information and any information pertaining to me ; name, social security number, birthdate i.e. without written consent from myself. At this time Equifax has in their possession zero written consent and zero affidavits from me to permit furnishing, distributing, or selling any information on my behalf. I have given zero consent to mishandle any information given to Equifax by any party. Harm has now been done to me because my information was illegally and unlawfully misused. I seek the amount of {$550000.00} ; or what is ordered as the highest payout from any judgment against Equifax concerning issuing wrong credit scores or issuing misinformation to lenders, as a remedy.
Product: Checking or savings account

Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint with discover I have been a card holder for XXXX years currently with a line of credit of {$7500.00} with a balance of {$450.00} outstanding payment history recently I received a notification requesting documents from irs of proof of income in which I provided prior to accepting card first year of having. There is nothing in there disclosure that warrants these actions and speaking to two XXXX co workers whom stated they have never went through this I feel discriminated against totally and Im filing a complaint toward this company if this was a regular process why isnt it disclosed.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Id declaring that I am the one submitting this complaint and there are no third parties involved. I fully aurhorize Transunion all necessary corrections I am demanding. As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Transunion and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Transunion via USPS, certified Mail # XXXX. I mailed it on XXXX XXXX. USPS confirmed my correspondence was received on XX/XX/2021. Transunion still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 9 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.