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

I am a victim of identity theft. I flied a report with XXXX. I have XXXX accounts on my credit reports with XXXX, Experian, and XXXX. They deleted three of the fraudulent accounts with XXXX that was on my report because they found that they were NOT mine. 

There are three left and I have provided numerous articles of information that they have requested and they will not remove them. Now, if you found that the other three accounts were fraudulent then how are the other three mine? I have never dealt with XXXX. 

These accounts MUST be removed from my credit report. I have filed identity theft reports with the FTC and IRS. 

I am requesting a " block of information resulting from identity theft pursuant to section 605b of the Fair Credit Reporting Act ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.
Product: Debt collection

I would like to report a case of fraud from a company called XXXX XXXX XXXX and a representative named XXXX XXXX. I was first contacted by a rep from XXXX named XXXX and he asked me if I could use a line of credit up to XXXX dollars with no interest for a year. After a few more calls he got me to send my credit and fill out an application. They said I qualified for XXXX dollars and sent me a contract. I later received a call saying I should have received a credit card in the mail from XXXX and to open it, activate it and pay them XXXX off of the card. I called the bank and the bank said that this was a credit card and not a line of credit and they do not work with third parties and that this was fraudulent. They canceled the card and told me to contact all agencies to report it. I never spoke with a XXXX representative about the card before they sent it and there was no rep there with any knowledge of XXXX or this company. I then remembered you had called and had contact with them. This company is now trying to extort me for XXXX claiming they will send me to collections for not paying them for a credit card from my own bank. Im am sure a reputable bank like yourselves would not knowingly have a relationship with this criminal group. I would appreciate any further information about this company as I plan to pursue this to the highest level possible. I would appreciate any help from you on this matter. Thank you
Product: Debt collection

I have been receiving letters from XXXX XXXX for a couple years. I wrote to them and disputed the initial invoice stating I didn't sign for an XXXX XXXX card. I advised them to send signatures where someone signed so I could see who opened the account in my name. I advised in writing to XXXX XXXX that I didn't owe this debt, stop harassing me with letters and calls to me or other people that may know me. The XXXX XXXX Account I had with them more than 20 years ago I closed paid in full. 

My credit is ruined by fraudulent activity credit cards that I never opened or approved to be opened in my name. I may be a victim of someone stealing my identity. All the sudden out of no where in XX/XX/2019 Radius Global Solutions LLC is calling me multiple times a day collecting this debt. Calling relatives or people who may know me asking personal information. They are calling my home leaving several messages in a day and still repeat calling attempting to collect a debt that I don't owe. It appears that XXXX XXXX Sold the fraudulent account to Radius Global. This collection company is not practicing within the bounds of the FDCPA and is harassing me and people I know.
Product: Debt collection

I have received several notices from Asset Recovery Solutions , LLC attempting to collect a debt that is not mine due to Identity Theft from the XXXX XXXX XXXX XXXX XXXX I am not responsible for this debt and want these debt collections to stop immediately and removed from my credit reports
Product: Checking or savings account

On XX/XX/2023, TD Bank placed XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TD Beyond checking account. Despite previously filing a complaint with TD Bank through the Consumer Financial Protection Bureau, I have yet to receive a satisfactory resolution from the bank. The responses I received from TD Bank, which I am attaching in PDF format, only redirect me to a third-party organization with limited information on the court cases and no ability to assist. Even though the TRO has legally expired, TD Bank continues to hold my funds without providing any information. This is my third and final attempt to kindly request the lifting of the insufficient levy and request an internal review of this case with a prompt response. 

Furthermore, I want to notify TD Bank that as a customer, I am escalating this case to the American Arbitration Association ( before the court complaint ). I am suing the bank for customer negligence and the indefinite holding of personal funds. Should TD Bank provide me with a satisfactory resolution, I will promptly drop this case and refrain from further escalation. 

Thank you in advance, XXXX XXXX
Product: Student loan

I have tried to call MOHELA customer support on multiple different days, at different times of the day to verify that they received my complete PLSF application that I faxed in on XXXX XXXX, 2022. Once I got through their automated phone prompt system it would say " due to overwhelming response... we are unable to take your call ''. I tried to contact them via email, but that requires setting up an account and they wouldn't let me do that because my loans haven't been transferred from XXXX to MOHELA. Now that I've finally been put on hold ( instead of being kicked out of the system ), it's telling me my expected hold time is 195 minutes ( over 3 hours )!!!! That is obscene. They need to hire more customer service staff. I've dealt extensively with customer service at XXXX and XXXX and never had anything like this. The PSLF temporary waiver application is due by XXXX XXXX, 2022. I'm trying to do the responsible thing by verifying my application was received. The fact that I can't get in touch with MOHELA to do that is outrageous.
Product: Mortgage

Ditech processed my mortgage payment on XXXX. My automatic-payment agreement clearly says that the money is not to come out until XX/XX/XXXX. That was the date I chose. This is the second time they have done this, and I did file a complaint. But Ditech said they did nothing wrong. I wish to mail a copy of my overdrawn alert from the first time and a copy of my online banking statement and a copy of the auto-payment agreement, so you can clearly see they have done this again. What good is an agreement where I have chosen the date for withdrawal if they randomly take out money from my account. The first time they did this I was over-drawn {$1900.00} and could n't pay for groceries. This time I was shopping for a new washer and dryer and all I had left in my account after they put a hold on the money was {$400.00}. Their agreement clearly states that the money will come out on XX/XX/XXXX and if XX/XX/XXXX falls on a holiday then it will be the next business day. I have the money in my savings and I transfer it over on XX/XX/XXXX to be ready.
Product: Student loan

Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I accessed XXXX XXXX and started a pre-approval application. I NEVER completed the application nor hit submit. The first page was completed, and then I hit the next button for the 2nd page which was NEVER completed. 
They did a hard inquiry on my credit report. When I got to work this morning, the application is still on my screen NOT completed for the 2nd page which asks about employment/rent or mortgage/wage. Submit at the bottom. This inquiry needs to be removed from all credit bureaus because it was NOT approved to be ran. This was ran on XXXX
Product: Mortgage

I closed on my first home on XX/XX/XXXX. I was advised to give the loan servicer some time to get their paperwork together on my loan and call mid XXXX to set up payments. I called my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I was told that my payments would be due on the XXXX  of each month. I was told to register and account online. So, I registered for an account with my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I enrolled in automatic monthly payments the same day ( confirmation number XXXX ). On Plazas website, it said that the first automatic payment would be drafted on XX/XX/XXXX, and that if I had any payments before that, I would need to schedule a one time payment. I scheduled a one time payment ( {$2300.00} ) for XX/XX/XXXX ( confirmation number XXXX ). On XX/XX/XXXX, nothing had been withdrawn from my account, so I called my loan servicer and they were closed until Monday, XX/XX/XXXX, but the automated system said that my payment was past due and I could incur late fees. I went ahead and scheduled another one time draft ( confirmation number XXXX ). I was planning to call Plaza on Monday, but I received a call from an agent stating that my payment was past due. I told them that I had enrolled in automatic payments, and I had also scheduled a one time draft payment. I gave him the confirmation number. He said that he documented and that the loan servicer would not be able to process my payment twice, so I did not need to worry about having two payments drafted from my account. I looked at my account on Tuesday, XX/XX/XXXX, and Plaza withdrew two payments ( both for {$2300.00} for a total of XXXX ) from my account. I called 8 separate times on XX/XX/XXXX during their normal business hours, and I could not get through to anyone. I called again XX/XX/XXXX, and I spoke to an XXXX XXXX She was empathetic but said that there was nothing she could do and she was unable to get me to a supervisor. I believe Plaza is trying to collect extra payments in order to get more interest from my loan. I need help in resolving this issue. I need to know if my money is being applied to principle or if my additional payment will push my next payment back one month. No one from Plaza can give me any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to Experian about incorrect information on my credit report. Not only do they have my name wrong, but my social security number and address is wrong also. I have reached out by phone, I wrote multiple letters and submitted a dispute online. Still no results.
Product: Credit reporting or other personal consumer reports

Lenders have pulled my credit report multiple times and due to which it has resulted in hard inquiries on my report which I never authorized or never have even applied for any of their products. I have the following hard inquires that have taken place due to me being victim of identity theft with following credit bureaus : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXThey used all the information I sent them to correct the names and address on the report saying its me I would like get a investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal has reported XXXX late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/XXXX 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer portfolio Services, initiated 3 hard inquiries on my XXXX  credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted Consumer Portfolio Services by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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: Debt collection

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Product: Credit card or prepaid card

the company has restricted my account ( due to false claim, as explained in other complaint [ XXXX ] ) in the meantime I had a fraudulent charge that I wanted to dispute, but the company blocked me from disputing
Product: Mortgage

XX/XX/2020 I called Mr. Cooper to inquire about the COVID-19 assistance programs they have available. I was on hold for over an hour to finally be connected to a person who just took my information to transfer me to another " specialist ''. Another lengthy hold and I was connected. I asked ( along with my husband on the call ) what our options were with regards to paying our mortgage. The lady informed me that the only resolution was to do a Forbearance Program. She let me know that this would affect our credit and told us all of the details. We were shocked this was all we had available due to no fault of our own being out of work since XXXX. She said the application would be coming via email and for us to look it over and resubmit online, by email or fax. We reviewed and considered our circumstances and decided not to send it back in and just do what we could to pay our mortgage during this difficult time. I received the paperwork via our account on XX/XX/2020. The 2nd letter arrived in our account on XX/XX/2020 saying after reviewing our documentation we were approved for a forbearance plan. Knowing that we didn't send anything in, I assumed it was just a formality. Today XX/XX/2020 we received yet another letter ( same letter as before but with an added paragraph ) telling us our inaction was approval of the forbearance if we didn't call in by the end of the month. We both felt this was deceptive and if others did not read the letter entirely, they might miss that added paragraph and be in a forbearance agreement that they did not agree to.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX has been working on my credit for the last 5 years and sent in dispute letters, talk to reps at XXXX and Capital One credit cards. The score from XXXX XXXX has place me in a set back because of turned down because of wrong score input and providing me a up to date score. My score has the biggest gap in the XXXX report and the rest of the Bureaus XXXX points or for, there want me to pay to update my score instead of doing it as company promised a 7 day undated report. Capital one is in violation of removal of old credit cards amount. There keep changing dates and violated my fair credit acts for proper reporting. I e been turned down on a car I shouldnt have been and other credit cards because of the none reporting from both capital one and XXXX XXXX. There is an investigation number in place for XXXX ( XXXX ). Also several calls and letters to show just for my complaints. Capital one is not honor State of Michigan fair credit acts to remove any old credit that is over XXXX to XXXX XXXX XXXX must be removed. Capital one keeps changing date of contract and sending credit bureaus the wrong information. Capital one is out of Texas and have been bulling my fair credit in order to try to make me pay old charges from over 10 years or more. There still have not proved to the credit bureaus the corrections for Im asking for all capital one old charges to removed and deli-quite dates of any inquires soft or hard was done on there site with the promise nothing would be hard inquire and those are still on all three credit reports. 
Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 )  credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Debt collection

XX/XX/XXXX contact Experian to request validation debt and as of today I have not received documents. 
XX/XX/XXXX sent certified letter tracking # XXXX XXXXXXXX XXXX {$2900.00} requesting validation letter. As of today XX/XX/XXXX I have not received document.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX, XXXX XXXX XX/XX/XXXX {$1300.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Checking or savings account

I have a checking Account with Banco poplar in XXXX XXXX. The checking account is in my husband and my name. My name is XXXX XXXX. I have been making online deposits ever since Ive moved off the island for the last 2 years. Recently, the bank rejected my deposit I made electronically. I wanted to transfer funds from my bank account in XXXX  from XXXX XXXX XXXXXXXX to my Banco Polular account. The only way to do this is to write myself a check and deposit it to BPPR. I made the check out to XXXX XXXX. The check was rejected and will not be accepted unless the check is made out to XXXX XXXX. XXXX is not my Apellido it is my middle name. no one makes out checks to me for XXXX XXXX. Checks are made out to XXXX XXXX ( my legal name ) as shown on my passport and drivers license. I have explained this to the bank that in Virginia we don't use XXXX and XXXX is not my legal last name and they will still not accept checks made out to XXXX XXXX even though the Banco Popular account is held by XXXX XXXX XXXX XXXX wants me to come into a branch office and sign documents. I explained that I no longer live in XXXX XXXX so this is impossible. Not sure how else to correct this, especially since this has never been an issue until the last XXXX months.
Product: Prepaid card

The gift card was given to me as a gift and was issued by American Express. The balance stated on the card is {$100.00}. It is clearly stated on the card and their website that the card can be used anywhere American Express is accepted. I checked that the card was active and that the balance on the card was accurate on the day I received the card. I have tried repeatedly use this this card online to make purchases from merchants that accept American Express and the gift card has been denied every time. My most recent attempt was today trying to make a purchase from XXXX XXXX. I contacted the merchant to ask why the card was being denied and they responded that the purchase was being denied by American Express. I again used the phone number on the back of the card to verify that the card is active and that it has the correct balance on it. The amount I was trying to purchase was less that the amount loaded on the card. I then began doing research online and multiple people who have either purchased or been given an American Express gift card are having the exact same problem. When American Express customer service is contacted, they claim the cards are blocked due to security protocols even though the cards are being used with vendors and merchants who accept and have a relationship with American Express. The customer service reps claim that they remove the security blocks, but the gift cards continue to be unusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the Experian, XXXX and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.