23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22 I received a debit card in the mail in my name for a new account through Fulton Bank. I did not apply for a new account, the bank I use is XXXX XXXX XXXX Bank. I called the XXXX number on the back of the card to ask why I was getting it. They used my name, DOB, and SS # to pull up the account. All matched until they asked for my driver 's license which did not match. The customer service rep ( XXXX ) said it flagged it on their end and froze the account. It is under investigation by them right now and I will get a letter canceling it once that investigation is done. No funds were transferred out of it. 

I have put alerts and freezes on all 3 credit bureaus and notified all my bank, credit card and credit union accounts. I have filed a report with the local Police Station.
Product: Debt collection

On XXXX XXXX2020 I requested additional time to pay off my XXXX with Credit Care . I was paying this off within a year but do to the COVID 19 I still had a balance remaining of {$1500.00}. I was promised only a extra 30 days to pay it off. Instead interest charges were added {$3500.00} sent to credit bureau causing a negative impact on my credit score. I was told the had to do this and it could not be removed. I borrowed the money paid the account off in full asked them could the updated the credit bureau the said no. Customers are really hurting already stretching trying to pay off debt. If I was given a extra 30 days the interest charges did not have to be added thats just plan greed on the part of Credit Care.
Product: Debt collection

I had enrolled at XXXX XXXX College for  the fall semester of XXXX, taking 1 class. Less than 1 week into the class I received notice from my employer that my position would be terminated. With that in mind, I dropped the class I was enrolled in. I dropped the class on XXXX XXXX, XXXX - the deadline for dropping a class and receiving a full reimbursement ( or a {$0.00} bill if tuition had not yet been paid ) was XXXX XXXX, XXXX. I was very careful to check these dates. Around 6 months later, despite having received no correspondence from XXXX XXXX College regarding an outstanding or past due balance - I find that they have turned the matter over to a debt collector for {$450.00} - despite there being no debt or charges of any kind. Contacting the school got me nowhere, they could confirm the dates I enrolled and dropped the class, but could not confirm the deadline to drop a class with no financial obligation coming back to the student. The information was *still* present on their own XXXX website. I have disputed the debt with the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and each time their response has only been to state " Meets FCRA Requirements ''. 

XXXX XXXX College has verified what dates I enrolled in this class, and what date I dropped the class. They say they can not verify what the deadline was to drop classes in that semester with no financial repurcussions. If they can not verify that date, how can they verify the debt is valid?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed items that are listed on my consumer credit report : Accounts XXXX XXXX XXXX. XXXX XXXX XXXXXXXX
Product: Debt collection

I have more than enough reasons to believe my infromation and identity have been compromised and, or stoIen. Today on XX/XX/XXXX, I checked my credit report on XXXX XXXX this morning and found an open collection for {$3900.00} from Omega RMS! My heart DROPPED when I saw this so I requested reports from all three major bureaus. It has only showed up on my XXXX  report at the time of writing this. I also recently discovered my info was involved in at least 4 security breaches in the last 4 years, including the XXXX  breach of XXXX. I must also mention that my bank debit card and account info was breached earlier this year around XXXX.The thieves purchased 3 items totaling {$200.00} and I was forced to change all my information, including have another card shipped to me. Because of these facts, amongst other unfamiliar or inaccurate inquiries on my credit reports, I had no choice but to place a fraud alrert for all three bureaus. This collection account was opened XX/XX/XXXX. I dont think these time frames are coincidences! My next steps will be placing security freezes on my credit and possibly filing a police report. The original creditior on the account is named " XXXX XXXX XXXX. '' I have never heard of either of these companies and there isnt much info on the internet about them. I have never purchased anything nor previously interacted with either of these companies and I definitely DO NOT owe almost {$4000.00} to anyone for any type of product or service. It sounds like a scam! I am just a young man trying to rebuild his credit and this new fraudulent collection on my report has devestated my XXXX score!!! My credit was in good standing before this fraudulent collection account showed up ... This will greatly hinder my ongoing credit journey. I need this DELETED from my XXXX report first, then before it shows up on the other two major bureau reports and devestates my score even more, I need Omega RMS to contact both other credit bureaus : XXXX and XXXX, and demand that they be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal, sensitive information, and now I have been identified as potentially at risk, due to a security breach. 

This is a very real, potentially life-changing issue, and I want to know how equifax will be held responsible to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support was was requested to be taken off XX/XX/20 completely from credit debt report and still shows dull amount.frombbeginning balance. Needs to be removed asap completely from debt report on XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXXXXXX XXXX- XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXXXXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXXXXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Product: Credit reporting or other personal consumer reports

I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways. 

Accounts : XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my XXXX credit report is incorrect. I sent all documentation required both by fax and mail. My fax was confirmed that it was received. I could not get the issue resolved by the regular XXXX customer representatives. I requested to speak with Supervisor. The supervisor looked into the issue and after a long tedious process stated he updated my information. My birth year was incorrect. When I went to the XXXX online app. I found the information was not updated. Because I had been trying to resolve this four hours. I called the fraud number. I spoke with a supervisor who looked into the matter. He informed me that he was looking at his system and it showed the information was updated. He stated that my birth year was listed as XXXX I informed him that I was currently looking at the XXXX online app and it showed that the my birth year was incorrect. It had it as XXXX. 

These are the problems I encountered. 
XXXX. The main system at XXXX does not match the information that is on the XXXX on line app XXXX. The customers services representative are not able to have access to all the information and changes made by supervisors and as a result is giving the consumer information that is not totally accurate. 
XXXX. The verification process should be looked into. Representatives are asking verification question over and over again during the same call. It is not an efficient process and it is actually inhibiting consumers from getting critical information updated that is incorrect on their credit reports. 

In addition Experian has address and are incorrect. This information does not match the XXXX that XXXX bank uses. The loan XXXX at XXXX bank told me that they are associated with Experian. He pulled my credit report and verified the addresses that he showed on file. He went over each one separately. I confirmed the ones he had on his system were correct. When I checked the online Experian account it had addresses with information that were NOT correct there were addresses that the XXXX  loan XXXX did not have. This informs me that the information for Experian across different application and/or business users of Experian products are NOT consistent. 

XXXX does all application and companies that use XXXX have the same information?
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Texas FCRA and Identity Theft Laws Enforcement Hey I C SYSTEM, I'm reaching out regarding a serious breach concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with the Texas Finance Code sections 392.301 and 392.305, not forgetting Texas Penal Code Section 32.51 on identity theft.

It has dawned upon me that I C SYSTEM has taken liberty in reporting to my credit without my explicit say-so. Federal law, under the FCRA, makes it abundantly clear that consumer consent is paramount for such actions, as stated in Section 1681b ( a ) ( 2 ).

In tandem with federal mandates, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the importance of consumer consent in credit reporting. Also, Section 392.305 of the Texas Finance Code lays down the law on fair reporting practices. And let 's not overlook identity theft laws, like Texas Penal Code Section 32.51, which underscore the gravity of unauthorized access and misuse of personal info.

I assert, without a shred of doubt, that I've not greenlighted I C SYSTEM to report any information to my credit. This blatant lack of explicit consent violates my rights, posing a threat to my creditworthiness and showing utter disregard for federal and state laws.

I demand, unequivocally, that I C SYSTEM immediately halt any further reporting to my credit without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within XXXX  days will be seen as intentional defiance, subject to penalties under relevant laws, including identity theft statutes.

Obtaining consent isn't a choice ; it's a legal duty under these sections of the FCRA, Texas state law, and identity theft regulations. This isn't up for debate ; it's a demand for adherence to federal and state rules, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I expect your immediate attention to this matter and trust that I C SYSTEM will swiftly rectify these egregious transgressions, honoring my rights under federal and state laws.
Product: Money transfer, virtual currency, or money service

My account was randomly frozen and was told that I had to provide a photo of my I.D . to have my account unfrozen. After submitting my I.D . my account was permanently suspended without any explanation and was told by customer support that any future contact from me would be ignored. This was on XXXX XXXX XXXX I still have a balance of {$700.00} that I am unable to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the XXXX   District of Florida to the XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include Equifax, XXXX and XXXX. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from a bank called XXXX XXXX stating that I applied for a credit card. I have not done any applications with this bank nor heard anything about the bank. The letter states that I did an online application with that bank. The letter was dated was XX/XX/2022. It states that I applied for XXXX XXXX XXXX XXXX 
I called the bank and they stated that they would delete the application. I do see a hard inquiry on my credit report that I need to be cleared. This is a fraudulent request and the bank agrees with that fact.
Product: Credit reporting or other personal consumer reports

Equifax will not allow me to log in to request a mailed copy of my credit report, there is no one to answer the call to Equifax at XXXX Equifax wants to sell me a plan to see my credit report.

I tried to request my free annual credit report online XXXX XXXX XXXX and it would not let me log in then once I found the telephone number for Equifax I tried calling them and all I got was put on hold for XXXX hour and no one answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the XXXX ( XXXX XXXX XXXX XXXX ) Beginning XXXX XXXX, XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : XXXX ) Minimum reporting of : ( XXXX ) Name ( XXXX ) Address ( XXXX ) Social Security Number and/or date of birth ; and XXXX ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX XXXX XXXX XXXX informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Product: Credit card

On XX/XX/XXXX, after review of my bank statement as I often do, I noticed a transaction in the amount of {$58.00} from a Retail Credit Card Company called Fortivia. At that time, I was away in XXXX Texas on vacation, so I waited until I returned home to figure out what and why was I being billed for a credit card that I did not have in my presence no a credit card I know I did not apply for. Once I returned home, I received a paper statement that showed the {$58.00} being drafted from my bank account. I proceed to call this Fortivia Company, and they explained that I was being billed as a 3rd party of XXXX for the equipment for an alarm system that was installed in my home on XX/XX/XXXX. I explained to the representee that how I am being billed from a credit card that I never applied for and also for equipment that the salesperson XXXX ' said that I did not have to pay absolutely nothing for as long as I advertise for XXXX  by having the yard sign on my lawn and also make referrals. the Fortivia rep said that I could call XXXX to cancel the services, and they would refund all payments and close the account. I called XXXX to close the account due to their salesperson fraudulently open a credit card account without my consent and giving false information in order for me to agree to having system placed in my home. The rep from XXXX said I needed to reach out to my salesperson which I had already done before calling XXXX and how ironic the salsas person phone all of a sudden not in service. I also check my credit report, and they have already had this card that still to date I do not have in my possession on my credit report. 
I am asking for help to close the XXXX account and the credit card closed and removed from my credit report. I feel Fortivia and XXXX are working together to underhandly open credit card accounts in people 's names without them knowing or giving them consent. I know that i could close my bank account and re-open but that would basically create problems on my credit report which I am very mindful of and this is why this is so upsetting for me, for this salesperson from XXXX to pull a scam such as this to get business for the two companies. Now I'm getting the run around from XXXX to cancel service and have them come to retrieve the equipment so that Fortivia can close the credit card account, and I can move forward. 

I would appreciate any help or information to help me resolve this issue as soon as possible. Thank you in advance Also there was no paperwork given and or signature required. This is not my 1st time being a customer of XXXX, hadn't done business ith them in years. In all the alarm companies I've used in the 20 years I've live here none of them did credit cards for the equipment, the payment was one payment for everything. XXXX XXXX XXXX salesperson was good at stealing information and giving false information and I want charges filed for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, XXXX, and Equifax, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Product: Mortgage

1st issue Wrong Pay Office Information Given by XXXX In 2022, XXXX gave me a Reverse Mortgage Payoff. 
This was for a Reverse mortgage for XXXX XXXX XXXX, XXXX Loan # XXXX totaling {$25.00}, XXXX ( RMF Payoff XXXX page XXXX ) This included wire instructions to XXXX XXXX, Acct # XXXX & Routing # XXXX. ( RMF Payoff XXXX ( page 2 ) I wired the money & called XXXX XXXX & they said that the Account no longer exists & its incorrect. When I mailed email XXXX they didn't reply. ( Email Confirm of XXXX  ( XXXX XXXX ) It seems that after calling the bank & no reply from XXXX, I was given false or misleading pay off information & I wired the money to the wrong place.

2nd Issue - Overcharge of origination Fees is according to the Origination Fees on page 2 of 5 HUD-1 form. XXXX XXXX was over charged {$140.00} in origination fees. The HUD -1 Original Fees was {$2600.00} instead of the maximum allowed amount of {$2500.00}. XXXXXXXX XXXX home value was only {$40000.00}. 
( CFPB Complaint XXXX XXXX XXXX ) " The origination fee covers a lenders operating expenses associated with originating the reverse mortgage. 

" A lender can charge the greater of {$2500.00} or 2 % of the first {$200000.00} of your homes value plus 1 % of the amount over {$200000.00}. HECM origination fees are capped at {$6000.00}.
Product: Mortgage

I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX
Product: Credit reporting or other personal consumer reports

I reached out the courts about the bankruptcies reporting on my credit file.I was told by the courts they do not provide this information to the credit bureaus .I would like this information deleted from my credit reports asap the case numbers are below. 

Date filed XX/XX/XXXX Bankruptcy disposition XXXX FILED Liabilities Individual/Joint Individual Current disposition date Exempt amount Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition Unknown Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXXXXXX Liabilities Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX FILED Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXX XXXX Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/namXXXX XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX FILED Date filed XX/XX/XXXX Bankruptcy disposition XXXX XXXXXXXX Liabilities Individual/Joint Individual Current disposition date XX/XX/XXXX Exempt amount Comments Consumer Disputes Reinvestigation In Progress Case number XXXX Date reported XX/XX/XXXX Court number/name XXXX Individual/Business Individual Asset amount Date verified Prior disposition XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a corporate credit card and it was paid late by an employee that was terminated. This is gone against my personal credit and has not affected my corporate Credit. 
I explained the situation that the employee knew they were being terminated and did not pay bills so we had scramble to get things paid and have never been late any other time. 
I dont know why my corporate account is affecting my personal credit score