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

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW US BKPT CT IL XXXX # XXXX US BANKRUPTCY COURT # XXXX US BANKRUPTCY COURT # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Debt has already been disputed and was said to be concluded by XX/XX/year> no deletion has been made to resolve this Issue XXXX XXXX XXXX in the amount of {$1400.00} and another XXXX XXXX XXXX account in the amount of {$220.00} along with XXXX Bank Delaware still reporting an amount of {$600.00} all these accounts HAVENT BEEN PROPERLY INVESTIGATED AND IS WAY PAST INVESTIGATION TIME FRAME. No actions has been taken by Equifax XXXX XXXX nor XXXX regarding these accounts
Product: Debt collection

Called me at my employer 's, when I said I am at work and hung up, called back and asked to speak to HR.
Product: Debt collection

On or about XXXX to XX/XX/XXXX, my gas card was stolen. I had that card since XXXX and never had a problem until it was stolen. I notified XXXX and they did not remove the fraudulent charges. I emailed them, sent them letters, called them, however they did not stop the card which was being used in Mississippi. I had automatic payments coming out of the bank account so as not to ruin my credit and stopped those to try and resolve the problem figuring that would cancel the card. Of course after not paying they sold the account to Midland, instead of reversing the charges. Midland filed a lawsuit XX/XX/XXXX, which they stopped because of my Motion to Compel Arbitration. I filed a XXXX Arbitration and paid the fees per the credit card agreement, however, Midland refused to pay their fees and refused arbitration. I informed XXXX  of the stolen credit card and fraudulent charges. Midland stated in their lawsuit that because the dispute was untimely, the charges stand. Well, they were not untimely. Midland is damaging my credit. XXXX credit card agreement states all disputes will go through arbitration and Midland broke that  agreement by not following me into XXXX. Also, Midland is using XXXX as one of their Names to report their collection even though all information is Midlands.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

DeptedXXXX DeptedXXXX, DeptedXXXXXXXX DeptedXXXX  XXXX, DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedeXXXXXXXX  DeptedXXXX, DeptedXXXXXXXX  DeptedXXXX  DeptedXXXXXXXX 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 the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX / XX/XX/XXXX This company is reporting fradulent inaccurate information on my credit report. The information listed in my Identity Theft Report, whch appears in my Report does not relate to any transaction ( s ) I have made. I requested that they provide the purchase agreement to show full ownership of such account, according to 1681i of the Fair Credit Reporting Act. My social security number has been compromised in the XXXX National Public Data breach.
Product: Checking or savings account

On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. 

They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. 

Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. 

My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. 

The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX  XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. 

I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

on XXXX i paid the balance of my loan which was {$10000.00}. I have an email from Mohela that they received my money. see below XXXX, Your payment amount of {$10000.00} has been posted to your account with the effective date of XX/XX/2023. 
View additional payment details by logging into your online account. Questions regarding your account? Give us a call at XXXX, so we may better assist you. 

this money has not posted. i have letters from Mohela that i have satisfied the payback of my loans and they are closed. I even received a {$99.00} refund check from Mohela because i over paid! i have made 4 calls ( with the average hold time to get someone on the phone being 45min to 1hr 8 min. each call lasts an additional 45 min to an hour. i have over 6 message in their system begging someone to post the money to my account. each time the person is very nice, see 's the payment in the system yet i am told " i have to escalate this. you'll hear back ''. i NEVER hear back yet i get emails that the balance is outstanding. per the rep at Mohela the asked that i verify with my bank, 3 times that the money was not returned. Mohela has it and I need to reach someone who will post this money almost 3 months after i paid it!!
Product: Debt collection

On XX/XX/2021 I XXXX XXXX the natural person received a letter from Credit Control LLC stating that I pay debt. I do not owe any debt to Credit Control or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.
Product: Credit reporting or other personal consumer reports

Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity
Product: Debt collection

Debt Recovery Solutions ; original creditor name XXXX   balance owed {$290.00} XX/XX/2017 when it was opened. 
I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.
Product: Money transfer, virtual currency, or money service

Got scammed for {$80.00} while my checking account was already in a fraud status and new debit card was already en route to me but not here yet. I was under the impression this account via my bank was being watched so as not to under go MORE fraud. I was wrong. Today {$80.00} was XXXX to a fraudulent " person ''. Happen to catch it and called my bank they said the transaction was in " process '' but couldn't stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with XXXX XXXX XX/XX/XXXX. 
Despite disputing with Experian, XXXX, XXXX, and XXXX, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding my Bank of America credit card account, specifically its absence from my XXXX credit report. As a long-standing cardholder with an account dating back to XX/XX/, I have noticed that the information related to this credit card account is not reflected on my XXXX credit report. 

Credit Card Details : Company : Bank of America ; Account Number : XXXX Date Opened : XX/XX/XXXX  ; Credit Limit : {$50000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for XXXX XXXX. I called XXXX today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account had unauthorized services added to my plan by an authorized dealer. XXXX refused to reconcile the issue. So I canceled my account, but XXXX refused to close it until I paid off the unauthorized charges. I submitted proof of billing discrepancies to XXXX  on 2 different occasions, but they refuse to remove it even after seeing the double billing. For example, they added a 6gig data plan for XXXX  extra a month, when my plan was already unlimited data. And I never had tablet, but I was being charged for one.
Product: Debt collection

I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.
Product: Credit reporting or other personal consumer reports

I pulled my XXXX XXXX XXXXt ( EQUIFAX ) on XX/XX/XXXX. I noticed that old information that was removed last year in XXXX has been added back to my credit file and report as of XX/XX/XXXX. I am a victim of Identity Theft and had all old personal information removed from my credit file last year. The problem at hand is not only is old information such as a prior address I used over 13 years ago resurfacing after I removed it, there are also " Soft Inquiries '' being made on my credit file without the name of the company who's making these inquiries. I'm aware soft inquires doesn't harm my credit scores. What alarms me is the scammers intentions of having access to my credit information via soft inquiries to pry & add old information back to my credit reports and files because they were never BLOCKED by Equifax when Equifax received from me Police & FTC Identity Reports last year in XX/XX/XXXX. 
Because my personal information and Identity has been compromised & used against me without my knowledge & consent, the thief who's reporting the information has also made Soft Inquiries on my credit reports under the disguise & name " EQUIFAX INC '' but has listed a few telephone contact numbers and addresses that has absolutely NO association with the company Equifax, itself. Also, on my Equifax credit report under soft inquiries there are DOZENS of times listed as " Automated Consumer Interview System '' where I had absolutely no contact with Equifax, it shows I contacted them by phone to discuss my credit report which I hadn't. XX/XX/XXXX thru the XXXX are just a few days to name a few which recently shows on my credit report. I had NO CONTACT with Equifax. 
I'm familiar with the reporting as this would show when I had credit monitoring & I INITIATED the contact with Equifax, but in these instances of dates, I had no contact so why would it show I had. I canceled my subscription of credit monitoring with Equifax last year after trusting them many years. I no longer have faith in a company who still allows thieves to constantly have total control over my credit file by adding, updating, & deleting whatever they desire without consequences. 
The old address has been added back to my account as of XX/XX/XXXX via thieves in disguise of a creditor representing themselves as a company who I have no association.
Product: Credit reporting or other personal consumer reports

Lexington law I paid for services and services was not received
Product: Mortgage

I missed my XXXX mortgage payment because our electricity was off in XXXX california for 4 days because of the fires. All the banks were closed. Internet was down. 
I did not even know that my payment had not been submitted. I found out on the XXXX and immediately made full payment but Shellpoint charged me a late fee because tis was " not their fault ''. I said it was not my fault either. This was an act of XXXX like a hurricane or tornado or flood. 
I called shellpoint up repeatedly and they either said they were busy and would call me bak or told me they couldn't deal with the problem. I asked for supervisors and was repeatedly told one would call me back. 
I sent an email per their request and still got no response. Today, I was told that my request had been denied but they sent me no letter and I got a letter in the mail today saying that the decision is still under consideration. 
they also lied when they said that they tried to contact me. they did not. I am attaching a print out of my call and communication record with them and also the letters I have received from them. 
XX/XX/2019 XXXX XXXX- tried to call yesterday. shellpoint said they would call back and they never did. Our mortgage payment was not submitted becasue of the XXXX shutoff. Am on hold again today. XXXX XXXX said she will make a submittal to waive late fee becasue of shutoff. Call Friday talk to customer service rep. I have asked that a supervisor call me back. She said a supervisor will call me back at XXXX. email XXXX XXXX/XXXX/2019 XXXX XXXX-No one called back. No one responded to my email. XXXX XXXX, customer service, can't find any record that anyone has even looked at the email or even at the situation. He is resubmitting request. doesn't know why noone has looked at it or responded. 
XX/XX/2019 XXXX XXXX- I am calling back because noone has responded. They are saying that wait times are a little longer than usual. Got letter saying that the loan was delinquent and they had made several attempts to contact me. that is a lie. XXXX is attempting to connect me with a supervisor. XXXX XXXX. I hung up after being on hold for 15 minutes. Am calling XXXX XXXX at XXXX ext XXXX. She is not there and I am on hold here to. XXXX XXXX, not supervisor, XXXX XXXX, will not send me a copy of late fee denial. He is sending me over a note that they apparently sent today about my request on the XXXX. I sent another email to loan servicing. I just received a note from SP saying they are considering the facts, dated yesterday. but they told me today that it had been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit alert from several of my monitoring companies for a credit card that I do have from synchrony bank. It was a paypal MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with  XXXX . That 's the only report it 's on. The other   XXXX    Bureaus show no latenesses.   XXXX   claimed the information was verified. I ca n't dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this CFPB complaint so that I may monitor the Credit Bureaus ' response after the XXXX investigation period. I discovered that the previously challenged Accounts are reporting with wrong and lacking information as I revived my credit file. Send me notification that the disputed items have been updated or removed after conducting another investigation into the following data. I formally request the following accounts be updated or removed from my credit profile because they seem to be somewhat misleading and inaccurate. You have 30 days to complete your investigation in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ) ; if you don't, you'll be in breach of the law and could face a Federal Trade Commission investigation. 

XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit card or prepaid card

On XX/XX/2021 I received and email notice that my Chime Visa debit card was on the way '' however, I have never requested a Visa Debit card from Chime. Earlier this year, I was sent another unsolicited card from another company, so I was aware that my identity has been stolen and is being used for this kind of activity. Months ago, I asked all three credit bureaus to put a freeze and fraud alert on my credit report. 

I contacted Chime 's customer service by phone and email soon after receiving their " on the way '' email, and I requested that the account be closed immediately. In response to their instructions, I sent the last four digits of my SSN and a picture of my photo ID. Apparently, the form in which I sent my photo ID was not what they accepted, but they never clarified what they DID accept ( no faxes, scans, or photos ... so, only in person? ). We were traveling for much of the next two weeks and did not get a chance to follow up with the company. 

When I attempted contact them by email yesterday to find out the status of the closure ( and I resent the last four of my SSN and an image of my photo ID ) they simply replied that if I wanted to open a Chime account, I could not open two accounts at once. What?

I have emailed them again, asking them please cancel this account immediately and then provide me with written evidence that have not and will not report the account to any credit reporting agency. I asked them to please confirm that they have received my private information, and to let me know what you exactly what they do to keep sensitive information secure ( which has clearly already been compromised by some earlier security breach somewhere else ), and then verify that they have closed this fraudulent account. 

I heard back from them within minutes. They said they had " blocked '' the account, but that if I " would like to formally close the account '' I would need to contact them yet again? 

I believe they are desperate to keep every account they possibly can because they will soon go public and want their numbers to look big. Meanwhile, they have simply refused to honor the request I've made at least five times. Why don't these companies require such picture ID requirement to open these accounts? Why is it so easy to open them ( fraudulently ) and so difficult to close them ( legitimately )?