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

I am submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX  XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.
Product: Mortgage

I had many contacts about the following problem. I am reporting the communication that took place today. 
My mortgage company, Lakeview / Mr. Cooper sent me a letter with the incorrect and alarming statement that " [ their ] records indicate a lapse in insurance coverage between XX/XX/XXXX and XX/XX/XXXX '' and that a " premium will be paid from [ my ] escrow account for this time period. '' ( This is not just incorrect, but ludicrous, since in the same letter they notify me that the insurance policy for that period was cancelled effective XX/XX/XXXX. They are notifying me that I never had an insurance policy while at the same time notifying me that this insurance policy has been canceled from this day forward ). 

When speaking to an agent, XXXX on XX/XX/XXXX, she denied that the information was false- including the alarming notice they would be deducting an insurance premium from my escrow, unless I did something to prove their records were wrong. Instead she explained that this letter was merely something that is autopopulated and sent out as a customary practice ( whether correct or not ). She was adamant that this wasn't a case of incorrect or false information, and she was dismissive of my concerns or the inconvenience it caused. 

It is this fact that I want you to be aware of. The mortgage company is sending notices to many customers/ mortgagees who change insurance policies, like myself, and the companies make false declarations of a complete lapse in coverage for the entire period of the previous insurance policy. They then threaten that, unless the customer takes action, they will charge them an insurance premium. This is despite the fact that their own records show the insurance premium being paid out of the escrow account that they manage. This is despite the fact that, rather than owing a premium, the customer / mortgagee is in fact entitled to a REFUND of the premium for the period that will not be used. 

Bottom line- the mortgage company is notifying customers that they owe money to their mortgage account and threatening collection, instead of truthfully reporting that they are entitled to a refund of money they paid in advance.
Product: Credit card or prepaid card

I purchased a couch from a local furniture store in XX/XX/XXXX. The terms were 5 yrs, no interest, min payment $ XXXX. My payment is due on the XXXX. I have made payments every month, exceeding the min payment amount wanting to pay it off as soon as possible. On statement XX/XX/XXXX I noticed a {$25.00} late fee. It is my fault I did not call at that time. On my statement for XX/XX/XXXX I have a {$38.00} late fee plus interest. I called Wednesday XX/XX/XXXX and was told because my payment for XXXX was received before the statement print date, it was applied as a second payment for XXXX. This made my payment made in XXXX and XXXX late! My payment was received on XX/XX/XXXX and the statement printed on XX/XX/XXXX. Furthermore, during the billing cycle of XXXX it posted a payment XX/XX/XXXX which negates the theory of payments received during billing cycles Printed on my monthly statement : Reminder : Your credit card account may not be paid ahead to avoid making payments in future billing periods. You may pay more than the Minimum Payment Due at any time. However, to avoid late fees and delinquency we must receive at least the Minimum Payment Due ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is zero. 
This mentions *NOTHING* about receiving payments before the statement prints not counting as your monthly payment. I view this as a deceptive practice to gain income from late fees. 

When I called I was told nothing could be done. I asked for the late fees and interest to be waived and my payments corrected, as I made my payments on time. I get paid on the XXXX & XXXX. I had been making my payments with XXXX check and as of XXXX with XXXX. I asked for manager, and was again told nothing could be done even though he agreed I had not missed a payment. Waited for an escalation call back. I was told it would be 1-2 business days. It is now XX/XX/XXXX XXXX ( central ) and I have not received a call back
Product: Credit reporting 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 XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Mortgage

I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The names of XXXX XXXX XXXX or anything XXXX  related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/XXXX ( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.
Product: Vehicle loan or lease

I had a car loan thru Wells Fargo during the period XXXX. XXXX also think my house loan was thru them during this time and it was sold to another company.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : COMENITYCAPITAL/SEPHOR Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Debt collection

Creditor by the name of Protect Your Home filed a collection on all 3 of my credit bureau reports around XXXX with the collection agency listed as Mountain Run Solutions. I disputed the information online and the collection was removed from both XXXX and XXXX. XXXX stated the debt was verified after multiple attempts to dispute the debt. I have never had an account with this company or requested their services. Last month, XX/XX/2020, the collection has reappeared once again on all 3 reports despite it being removed from a previous dispute. I then filed another dispute with each bureau- XXXX would not allow another dispute on the account and the other two stated it as verified. I have sent multiple requests to the collection agency and original creditor for verification of debt and they have all went unanswered. On XX/XX/2020 the collection agency reached out to me via text message and sent a Dropbox link that supposedly contained my contract. This link, of course didnt work. He then volunteered to send it via text in that thread, to which he did not. He then said he could send it via email and I provided an email address and to date I have never received it. I directly asked in the text message if this document was a contract direct with protect your home complete with my signature etc, he stated that the FCRA requirements only state they have to provide a document certifiable that the debt was mine- literally a sheet of paper stating I certify this debt is valid and belongs to is all it needed to say and that a signed contract or document of any kind was not required. I told him I never have had an account with either party and he did not send any additional responses.
Product: Debt collection

An employee of McNeil & Meyers left a voicemail saying that they would be moving forward against me in my county and if I wanted to avoid litigation I needed to call their office and take care of my debt. They company never actually filed suits against me in my county and the statute of limitations to file suite for the debt had expired.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights.

15. U.S.C 1681 section 602 A. States I have 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
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions 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 XXXXXXXX Please remove the following Fraudulent hard inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 
1st Terminal XXXX XXXX XXXX  # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of Chase. Chase retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )
Product: Prepaid card

I've been trying to use an American Express gift card that was given to me with plenty of money but almost all online transactions I tried to make have been declined. I was able to buy stuff online and in store at XXXX but now that I'm trying to make a different purchase it's being declined even though I have more than enough on the card. I called Amex today XX/XX/23 to see if there was any resolution but all they told me is I can't use it at XXXX anymore and to try at a different retailer. Very unhelpful and I have a lot of money that's still locked in the gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted dispute ( # XXXX ) with XXXX regarding Negative Charge Off information on my credit report through XX/XX/XXXX. The status " Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX '' listed on my credit report is inaccurate. The status should be included in bankruptcy filed XX/XX/XXXX and discharged on XX/XX/XXXX XXXX XXXX notification that the dispute " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XX/XX/XXXX ; Called ( XXXX ) XXXX to discuss with company. Transferred multiple times within the company. They were clueless and did not know what to do or who to call for the issue. Finally, I found XXXX in Conn 's recovery who told me to call my lawyer for a case that has already been completed.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance {$0.00}
Product: Mortgage

XX/XX/XXXX, I began the process of my son and his wife assuming the loan/house that I owned. The mortgage is an assumable loan. All paperwork was submitted on time, but it was claimed that it was not received. Paperwork was resubmitted in XX/XX/XXXX, via certified mail to prove it was received on time. Since then, it has been a continuing problem with communication from this company. We have talked to so many different people over the last year who are taking care of this loan assumption, as they keep handing it off. We were told it would take 4-6 months to complete. The last communication I have received was in XX/XX/XXXX, stating they are doing everything they can to facilitate this process quickly. Again, no communication since then. My daughter in law has resubmitted paperwork several times as they have asked for updated bank statements, etc. My son and his wife have great credit scores, so their credit worthiness is not an issue. My credit has been greatly affected by this as it still shows that I have this house and my new house as mortgages that Im paying on. My son and his wife have paid the mortgage for the house in question since XX/XX/XXXX and have provided home insurance and have provided proof that they have been paying the mortgage. It is ridiculous that this is taking over a year to process this assumption. But in the meantime, Mr Cooper has offered to refinance the loan into their names but at a MUCH higher rate, as I had refinanced during Covid and the loan rate is much lower. I believe they do not want to complete the loan assumption because of the low rate that it has and are hoping we will tire of dealing with this and will refinance at higher rate. There is no other reason for this delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 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: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


-XXXX XXXX -XXXX XXXX XXXX -XXXX   XXXX -XXXX  XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX
Product: Checking or savings account

Received notification that a checking account with Chime was opened on XX/XX/year> without my authorization. 
Called and confirmed they had my name and ssn. Requested the account closed immediately which they advised they have done. 
My complaint is that the account was allowed to be opened in the first place without any sort of verification of identity by a banking establishment. I feel like this is in violation of federal regulations and I would like for Chime to improve their practices moving forward.
Product: Debt collection

When i was under age my mom took me to Hospital. 
The debt was not paid. Since then I have turned over XXXX. And the hospital put the bill in my name and I was unaware of this bill. 
The bill amount is for {$210.00}. As this bill shows up on my credit report. 
I have tried to dispute this bill. With the collection agency and XXXX and XXXX And the collection agency still will not remove it. XXXX asking to remove this account from report as I feel it violates my HIPPA rights. 

Thanks