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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Someone tried to open a PNC account in my name with my Dad as a co-signer. My Dad contacted me and I told him to submit it as fraud. So he did and I tried to do the same thing. I had to find out the account by using my SSN and upon doing so the account was froze or locked. So I cant submit it as fraud now. Its almost as if whoever hacked my XXXX  account realized I closed the account and tried to open an account with PNC which I already have an account with PNc. Its a prepaid debit account but still. I dont even see how PNC didnt see that
Product: Credit card or prepaid card

On XX/XX/XXXX, someone used my Bank of America ( BofA ) /XXXX XXXX Visa card to purchase {$1100.00} worth of merchandise in XXXX different transactions. These transactions happened in XXXX, Washington. I was contacted by BofA to ask if my card was being used potentially fraudulently. I said yes ... .BofA said they had already stopped the card so it couldn't be used anymore. A Fraud Claim was started with BofA ... .and then I received a note saying that my claim was denied. Here 's what I would add : 1 ) BofA called me to alert me to the fraudulent action. 2 ) The BofA claim representative said to me on the phone ( recorded call ) that a new card had been sent to me on XX/XX/XXXX. I said I never received the new card. I had not requested the card. 3 ) The denial was based in part on my " account history ''. Any savvy investigator would easily be able to determine that the fraud was unlike any other usage pattern I had established. So, this made no sense to me ... .especially since they had called me ... .based on??? Usage patterns I would presume. 4 ) The denial indicated that I had used a PIN. This is a Visa card ... I had no PIN for this card. 5 ) My credit history and Visa card usage would point to a clean credit history ( I just bought a house so I know ) ... .no bogus fraudulent claims, no payment history problems, etc. 6 ) I canceled my BofA account. Why should I do business with them ... .a company that treats it good customers so poorly? 7 ) I've concluded that BofA don't care about the facts in this case ... .they are being arbitrary and acting contrary to good governance. Acting contrary to pretty clear evidence. 8 ) Lastly, I have submitted a police report with the XXXX, Washington Police dept to track the fraud. THANKS
Product: Debt collection

I ported 4 cell phones and 1 tablet from XXXX XXXX XXXX to XXXX. I was told that XXXX would pay up to XXXX per line once I switched to XXXX since there were still balances on the " leased '' phones from XXXX XXXX XXXX. At that time, I also ported 2 lines from XXXX to XXXX and as a bonus XXXX said they would send me XXXX per line ported. I only received a XXXX prepaid card for XXXX, I think, not sure what the amount was but it was not much. My last XXXX XXXX XXXX bill was quite high because of the remaining " leased cell phone '' amounts that XXXX was supposed to pay them. When I contacted XXXX, I was told that I was too late. The rep at the XXXX store told me that he would take care of everything, I returned the XXXX XXXX XXXX cell phones to him and my last XXXX XXXX XXXX bill. Now, XXXX XXXX XXXX has sent me to collection for a debt that I do not owed, if XXXX was not going to pay off my balances I could have sold the phones for that amount, or more. They were, at that time, 2 XXXX XXXX XXXX and 2 XXXX XXXX Attached is my documentation with the pertinent dates. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, Fedloan has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ).

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.
Product: Credit reporting or other personal consumer reports

This was added to my Trans Union credit report. XXXX XXXX XXXX XX/XX/2024 Amount {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I contacted the company in an email that i can not make mt oayment on Monday, XX/XX/25, they will not extend my repayment until Wednesday XX/XX/XXXX, when i will have the money.
Product: Vehicle loan or lease

I am from XXXX XXXX. In 2017 we were impacted by Hurricane Mara. After the Hurricane passed through the island everything was devastated. I lost my job, my house and everything that I have 'd. I didn't stopped making my auto loan payments with Banco Popular of Puerto Rico. After that I had to start making XXXX because I was unemployed and that was the only way I could provide food to my family. During a XXXX trip I was involved in a car accident where my car was declared total loss. I called the bank and told them about my situation and they told me that there was nothing that they could do. I had to stop making the payments of my loans ( because of income loss ). I was and still without a car and a job. I am struggling really hard. The insurance company payed them for the total loss. The bank closed the account, send it to a debt collector but when the check from the insurance company was payed they grabbed the account again ( but leaving it closed and with the late payments ). They are calling me and threatening saying that I still owe them {$1200.00} in charges and fees owed to them. I am still unemployed without a car. Moved with my grandmother and I am in a very deep XXXX ; I am seeing XXXX and XXXX. I am writing to see what can be done in this situation. In my credit reports it says that I owe them {$310.00} and they are telling me I owe {$1200.00}. I will be posting a copy of the report of that account, also you are authorized to check my IRS non filling for XXXX.Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/Transunion ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and XXXX XXXX XXXX XXXX both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Product: Debt collection

Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE AMEX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO AMERICAN EXPRESS THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.
Product: Credit reporting or other personal consumer reports

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I XXXX XXXX filed a dispute with Equifax credit bureau ( # XXXX ). On XX/XX/2018 I called to check why I havent receive my results from the investigation. I spoke with XXXX from the special handling department where my file is being monitored because of identity theft. I stated to XXXX that I have not received my results and the 30 days had past. She said that the results were emailed to my email address, XXXX. I said to her thats not my email address and she replied, Im sorry for that. I will send it to your home address, I explained to her that the 30 days has past and according to the CFOB and FCRA that you had 39 days. I kindly asked her to remove the items because they fail to complete the investigation within the 30 days and notify me of the results and the fact you sent all of my personal information to an unknown email into the hands of strangers, she refuse to delete the items.
Product: Credit card or prepaid card

On XX/XX/2021, a purchase was made on our XXXX Account for a XXXX XXXX XXXX unlocked XXXX XXXX XXXX XXXX XXXX, XXXX. Neither I nor my husband made this purchase. We have since made several unsuccessful attempts to have Capital One remove this from our credit card statement, and we have refused to pay as this was a fraudulent purchase. To add insult to injury, we have since received correspondence from Capital One stating that the fraud investigation is resolved. This could not be further from the truth. Also, in the next letter sent to us, they falsely stated that we have agreed that the charge was actually valid. We never agreed to such a thing. 

We have since that time contacted XXXX, and they agreed that this was an unauthorized purchase on our account. Since that time, XXXX has reversed any modifications made by this party and disabled our account, prior to our updating the account with a new password. 

The charge for {$500.00} was not made by us or anyone that we know. We have always paid our bills in full and on time for the duration of our credit history and believe that Capital One is attempting to take advantage of an elderly couple without any recourse to their unwillingless to remove the charge and fees.
Product: Credit reporting or other personal consumer reports

My student loans show deferred with payments to begin XX/XX/2025 yet my student loan account is paid in full see photo attached.
Product: Mortgage

XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.
Product: Checking or savings account

I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax change my credit report to XXXX XXXX an don't provide no credit score went from XXXX until anything givings me problem to uptain credit I requested my credit score should be placed at good standard conditions XXXX or XXXX do false information that stop me from receiving credit in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX balacnce.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year, Transunion has been unable to resolve a system error that has left my credit report permanently frozen. While I requested the initial freeze, Transunion will not lift it no matter how many requests I make. I have contacted Transunion on numerous occasions to life the freeze and the system error is never resolved. I can not lift the freeze via their website ( I have tried to lift it permanently and temporarily ) and I have called several times and been left on hold or transferred each time for up to an hour per call without the issue being resolved. I can not apply for new lines of credit as a result and this is holding up an application to refinance my home loan. Transunion has made absolutely no effort to reconcile this problem.
Product: Debt collection

We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. 
Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. 
Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.
Product: Mortgage

I faxed a letter to them with the information they sent on escrow change. Fax went thru. They sent me a letter looking into and it would be 30 days. I'm over 60 days and in the meantime they send me, foreclosure stuff, delinquent stuff, letter saying they are still looking into it. Seems they never look until you are 3 months. I have my payment, what I feel is the new payment, but you can't make a payment unless you make the full amount they are looking into. If I pay that, then I'm letting them get away once again with fraud. Seems every year at this time, they do something to try and mess with me. I am going look into a lawsuit this time. My friend is looking into lawyers. It's disgusting how Carrington mortgage takes advantage of customers. I understand all the lawsuits now. My? is why already they still in business. 
Please look into this. My payment has always been {$710.00}. Escrow difference is {$57.00} XXXX. They show my payment has been {$800.00} and then added the {$57.00}. They can't just raise me like that when I have a fixed rate unless shortage of escrow, which that I agree on. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year> ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I received notification from various family members and friends that a company called " spire recovery solutions '' was looking for me about a personal matter, some of these people I havent spoken to in 20+ years, and a message was given to me by a close family member that they were contacted. I received a voicemail and an email from this company telling me to call them about a debt. I looked at my credit report on XXXX and that debt was not on any credit report and did not look familiar to me what so ever. I then received a call from my deceased uncles ex-wife who had he divorced 40+ years ago, that she received a message on her landline answering machine from the spire recovery solutions company looking for me. I don't even know that phone number and never called it in my life. this is quite distressing they are calling people that I haven't spoken to in 20 to 30 years, it's embarrassing and frightening. please help.
Product: Credit reporting or other personal consumer reports

There are XXXX fraudulent accounts on my credit report that do not belong to me. I did not authorize anyone to open these accounts or have any knowledge of them other than tge accounts being present on my credit report. I filed police reports for tge fraudulent accounts. 

Names and amount owed of fraudulent accounts : 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

This is not my information reporting.