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

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. Thank you for your prompt attention to this matter. This is THE ACCOUNTS XXXX XXXX XXXX
Product: Vehicle loan or lease

Bridgecrest has theeeee WORST customer service on earth. I called in and asked about the loan mod/payment agreement. Of course, you get transferred to an offshore call center. The information I was given that was documented on my account by that rep was COMPLETELY WRONG. I called back and spoke with a supervisor named XXXX who promised that he would listen to that call and admitted that the notes stated that the rep told me inaccurate information. I called back and another rep told me that both the 1st offshore rep AND the supervisor told me incorrect. Now, I don't know what the heck to do and have a negative reporting looming at XXXX XXXX XX/XX/2022. A supervisor was supposed to call me back 2 days ago.
Product: Mortgage

Contacted PNC Bank on XX/XX/2023 to start the PMI removal process on my mortgage. Was told they would submit the request and it should be removed, as at the time I owed XXXX % of the principle balance ( below the common XXXX  % requirement for a PMI ). 

Have since been been charged another monthly PMI of ~ {$63.00}, and will likely be charged for another ~ {$63.00} next month. Called into the company XX/XX/2023 to see why the PMI was not yet removed and why I haven't received any returned correspondence. Company said their customer service rep must have forgotten to submit my request when I called in on XX/XX/2023, and that I was still accountable to pay for the PMI due to their mistake. 

The company said they will now " officially '' put the PMI removal request in, approximately XXXX weeks after it was first requested, and that I would will not be refunded any monies despite their errors. I requested that I be refunded, and they said they can not do that. Was told I would have to file a complaint to XXXX  or CFPB or similar to get a resolution.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint due to my rights being violated because of a data breach from Experian, TransUnion, and Equifax. Experian, TransUnion, and Equifax, allowed my credit report / profile to be disclosed, accessed, shared and or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. XXXX XXXX balance : {$100.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX  balance : {$10000.00} Date : Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$77.00} Date : Opened : XX/XX/XXXX XXXX
Product: Debt collection

This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XX/XX/2016 and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
Product: Debt collection

There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately They have non-mailable addresses that should be removed, which is in violation of the Privacy Act of 1974. 
Also, the Education and Privacy Act of 1974 34 CFR 99, the family education act 20 USC 1232g : Education and privacy act of 1974 4 counts of XXXX, they also reported an address thats non-mailable XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX unit 15 usc 1681 16 CFR 313.7 opt-out Auto loans XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports from Experian, XXXX and XXXX and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates : 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 I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information. 

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX
Product: Credit card

I had a credit limit of XXXX dollars with Citibank and Citi Bank decreased my credit limit XXXX with reason all payments were made on time
Product: Credit reporting or other personal consumer reports

I have contacted Experian, XXXX, XXXX and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith Experian. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of XXXX  has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should not be on my credit report I have proof from 2019 it was a paid account
Product: Credit card or prepaid card

About one month ago I noticed a {$50.00} charge that turned out to be a recurring charge that was not done by me nor authorized by me. I contacted Capital One and spoke to a representative who assured me that the charges which had been occurring against my card to a place called XXXX would be stopped because she would cancel that card and send me a new one. She also assured me that all those {$50.00} charges I would not be responsible for since it was fraud. Two weeks later I did in fact receive a new card and called to activate it, put it in my purse and assumed that was the end. Today XX/XX/2019, I received a new statement which I was horrified to see the charge continues to be there. I was very upset so immediately contacted Capital One again and I explained that this should have been taken care of and the gentleman I spoke to seemed really confused said he would do everything he could to help me but kept talking on and on about nothing that made sense. I kept telling him I got a new card so how could this happen and he asked me you actually have the plastic with you? I thought that was a strange question and I began to get impatient with him so he transferred me to someone named XXXX after putting me on hold at least 3 times. When XXXX comes on the phone he said he would cancel the card for sure but that I would have to wait 90 days to see if they would remove the charges from my account. I was furious. I told them that it was not a charge that was mine so why do I have to pay the price for their negligence ... .this was not my charge but yet they wont remove it from my account or the accumulated interest on that charge ... .I never heard anything like this. I am appalled that they could do this to unsuspecting customers. I told him that the right thing is for them to remove those charges immediately plus accrued interest charges and he told me no they would not do it. Is this legal? Please help. 

They could not answer the question of why they sent me a new card and the charge still showed up on the following bill. How is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management agreed to remove an account from my credit reports in XX/XX/2020. The old XXXX tradeline has yet to be removed from my reports.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Naviant keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
Product: Debt collection

I agreed to pay  XXXX  ever  XXXX  for 10 months to payoff. I made  XXXX  payments  XXXX  {$200.00}  XXXX  {$79.00}  XXXX  {$79.00}  XXXX  {$79.00} all to  XXXX  Illinois And  XXXX  to  XXXX  collections Grand tatol {$830.00} means I over played but which amerend sent me check of  XXXX  taking it to  XXXX  tatol.       So then me   and company   agreed to pay    what I   o wed which was  XXXX  after I sent proof of payments. And I played them the  XXXX  in full now I 'm seeing on my credit report. And ever time I call they have not talked to  XXXX  Illinois yet.
Product: Mortgage

After XX/XX/2023 I received notification by mail that my Mortgage holder, Aimloan.com, had changed their payment processing address from the state of Illinois to XXXX, California. I changed the payment address before scheduling my XX/XX/2023 payment to arrive on XXXX at the XXXX XXXX XXXX XXXX, CA. By XX/XX/2023 my payment to Aimloan had still not processed and my loan payment was recorded as late. I contacted Aimloan ( which provided no help ) so I schedule another payment through Aimloan website ACH payment for the XX/XX/2023 payment. I contacted Aimloan and told them that they could process the mailed check for the XX/XX/2023 payment. They obviously received the check because they processed the check toward the XX/XX/XXXX payment on XX/XX/2023. I checked the account online on XXXX to see that the check was now no longer applied for the XXXX payment but was in an escrow account and after calling I was told that a check had been mailed to me. As of today, XX/XX/2023 I have not received said check. My ACH payment through Aimloan website for XX/XX/2023 was processed but the account that the funds are drawn from has not been debited. I believe there is a problem with the Aimloan company. I am very concerned and I want Aimloan.com investigated.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found an account marked as Closed with the following details : Account charged off {$8500.00} and written off {$8500.00}, past due. While the account was marked as charged off, I did not receive a 1099-C form for this canceled debt, which I understand is required when a debt is forgiven or written off. 

I am concerned because I need the 1099-C for tax purposes, as the IRS requires this form when a creditor cancels a debt over {$600.00}. Despite the account being written off, I have not received any communication from Westlake Financial SVC regarding the 1099-C form. 

I have contacted Westlake Financial SVC to request the form, but I have not received a response. I am seeking clarification on why I did not receive the 1099-C and what my next steps should be in handling the cancellation of this debt for tax reporting purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is illegally checking my credit without my consent. I do NOT have an account with American Express.
Product: Mortgage

This is the third complaint we have filed. This one is in response to complaint : XXXX as I was not able to respond via the online tool I am presenting a new complaint. 
In XX/XX/XXXX Community Loan Servicing responded to complaint XXXX but did not have the most accurate information regarding our loan modification and subsequent subordination of title to finalize the loan modification that should have been completed in XXXX of XXXX. 

1. The Broker Price Opinion provided in their response was NOT an appraisal. ( See attached document that was sent in Community Loan Servicing response ) ( 126 pages of excuses that are not accurate ) This document was sent to us ( XXXX XXXX XXXX XXXX ) by Bayview Loan Servicing and we sent it to XXXX. 
2. XXXX ( XXXX XXXX ) responded that the Broker Price Opinion was not sufficient and XXXX sent an email to Bayview with the correct documents required. ( See Attached email ) 3. I have reached out to the individual who did the appraisal that was/is required to finalize the subordination of title ( XXXX XXXX - XXXX XXXX ) and requested a copy of the appraisal he did in order to expedite the subordination process to finalize the modification of loan. XXXX 's response was that he CAN NOT send the appraisal to us as it was ordered via XXXX by Bayview, Bayview, now Community Loan Servicing has to send the appraisal they got from the XXXX to XXXX along with the other documents that were requested in the email from XXXX XXXX ) We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
Basically do the job they are getting paid for. It has been over 2 years since this began for us and to this date Community Loan Servicing has not held up their end of the process, giving excuses after excuses and not returning phone calls. 
We spoke with XXXX, a customer service representative on XX/XX/XXXX who sent an email to XXXX XXXX and his supervisor XXXX XXXX - we were told we would receive a call regarding the loan modification and to this date have not heard from Community Loan Servicing via phone.
Product: Credit reporting

The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.
Product: Bank account or service

XX/XX/XXXX while, in Attendance at College in XXXX, New Mexico that is, As, a XXXX.. Chase Bank and the Social Security Payment Center in XXXX could not. agree upon a Finalized Date for my XXXX Pay. This Date Signified of XX/XX/XXXX was already Extended ( 90 ) Days on ( 90 ) Days that, Extended for another ( 90 ) Days. I did not. Receive my Monies to Return to College the Next Semester in New Mexico as, there was Cause for Force in Living in XXXX where as, Chase Bank and XXXX XXXX Apartments frauded me of $ XXXX- {$4000.00} Dollars then, {$10000.00} Addtional Dollars in Public Collections as well as, {$1400.00} in Collections with XXXX . 

Accounts with Chase Bank were Left Open in Suspicious Fraud and Identity Theft after, Numerous Requests for ( 2 ) years to Close " All Accounts '' ( XX/XX/XXXX,XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello I'm a victim of identity theft and I did not authorize this account it was made today XX/XX/XXXX I got a notification I'm saying that somebody tried to take out or get approved for a loan and I would like to have this removed off of my credit report this was fraudulently made on my account this is not my account and I'm going to put a freeze on my account which I just found out that I can do can you please remove this inquiry off of my credit report thank you
Product: Credit reporting or other personal consumer reports

I am disputing XXXX accounts as duplicate accounts on my Experian, XXXX and XXXX credit report. 

XXXX XXXX  or XXXX XXXX XXXX account XXXX. 

Also XXXX XXXX XXXX has the same account on my credit as of XX/XX/XXXX. Account XXXX. The original creditor is XXXX XXXX XXXX as a collection account. 

As these are duplicate accounts please remove both. 

. Also, The original account went default in XX/XX/XXXX. A default stays on credit for 5 years from the date of missing first payment. Your lender can not re-register account as per FCRA.
Product: Credit reporting or other personal consumer reports

My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, Equifax and XXXX. Remove 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 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 I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX IT PUZZLES ME WHY THIS COMPANY ALLIED COLLECTION IS ADDING TO THE BALANCE OF AN ACCOUNT AT THEIR COLLECTION AGENCY! FIRST OF ALL I DISPUTE THE ACCOUNT. 

I AM ALMOST CERTAIN THE U.S. Fair Debt Collection Practices Act PROTECTS US FROM ACTS SUCH AS THIS. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM ALL BUREAUS IT IS BEING DISPLAYED ON AS WELL AS ALL COLLECTION ATTEMPTS CEASE AND DESIST. 

XXXX XXXX AND ALLIED COLLECTIONS HAVE HAD AMPLE TIME TO RESPOND TO MY MANY DISPUTES AND HAVE CHOSEN NOT TO, BUT TOOK THE TIME TO ADD {$2.00} CONTINUALLY TO MY CREDIT FILE. 

IF THIS IS NOT RESOLVED I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND MY ATTORNEY HAS ADVISED ME THAT WE WILL FILE A CLAIM IN COURT TO GET JUSTICE FOR ME.
Product: Vehicle loan or lease

Loan was paid off on XX/XX/2018 There is an overage of {$210.00} owed to me. 
XXXX XXXX XXXX refuses to release this overage back to me. They state they need time to review the overage and then they would issue a check to me. It has been 3 weeks and they have yet to issue a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.
Product: Debt collection

This is my second complaint. As of XXXX/XXXX/XXXX American Accounts and Advisers responded by saying they would have the original creditors send me itemized statements as I requested and alleging that I had already received these at the time of service. To date, now 30 days later I have received nothing from any of the original creditors nor anything from American Accounts and Advisers verifying any of these accounts they claim I owe.
Product: Credit card or prepaid card

On XX/XX/2017 I was a patient at XXXX Hospital ER in XXXX, Texas. My insurance card ( XXXX  XXXX ) clearly states that the co pay for ER is {$150.00}. My card was charged XXXX without my knowledge. ( I will address billing issues with XXXX XXXX separately ) I did not authorize this charge and did not sign anything. I have notified Barclaycard Visa of the situation as an unauthorized charge and an overcharge. I sent them all pertinent documentation. This is a complaint against Barclaycard. I also told them the address on my receipt did not match the billing address on the credit card and that the charge should have never been authorized. I have received communication from Barclaycard notifying me there is nothing they can do as I did not submit proof of an overcharge. They claim I authorized the charge, and I argue I did not. There is nothing with my signature anywhere. The Visa in question ends in XXXX. Barclaycard 's address is XXXX XXXX XXXX, XXXX, DE XXXX.Barclycard customer service is rude and not at all helpful on the phone.