23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FCO has an account in my name that is affecting my credit report negatively, I believe this was a result of identity theft, however they refuse to remove it from my consumer report. I even went as far to settle with them but they backed out on the settlement because I refused to pay the full amount because they knew I was in the process of buying a home so they tried to use that as leverage. I declined as asked them to verify the debt and validate it, to which they did not after numerous request only after I filed a complaint in CFPB they claim to have instructed me to send them proof of residency during certain time periods. I never received any instructions or what documents to send to prove residency so they can remove this as a result of identity theft. I would have sent them that instantly because I was out of the country during that time period and have credit card statements to prove it with a XXXX XXXX  mailing address to which I have attached here. FCO needs to remove this account immediately from my consumer report within 72 hours. I have been patient enough. I am also considering taking legal action as they have violated FCRA regulations as well causing financial stress because of this inaccurate derogatory information on my consumer report. I ask that you resend your instructions here in this platform to ensure I receive them because I have not received any communication from your company unless it was to pay you a certain amount. It is only after I reported them on this website they claim to not accept any settlement for identity theft to cover their tracks well please attached credit card statements to prove my residency. You can not try to defraud a military member because we keep all documentation.
Product: Debt collection

I am unaware of this debt. I did not have an opportunity to dispute this information. If in fact you believe that you gave me proper notification, please send me the certified mail receipt with my name and signature on it. This supposd debt is unlegal.
Product: Debt or credit management

took my money and didnt help or explain why they didnt help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. 
Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.
Product: Debt collection

I had a lease on a property with a lady names XXXX XXXX. I had to break the lease on the Rental shop which I had signed and agreed to pay her. I did not however have a contract on the home. XXXX XXXX forged my signature on the contract for the house to make it appear as though I owed more then I did. It has since gone to a collection company and they say that I owe XXXX which I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was notified by XXXX XXXX that a company called XXXX ran a Hard Inquiry on my credit report with my social security number and a false name. The name was similar to mine with the same last name but not my correct name. I relieved someone had obtained my social security number and was attempting to open online credit card accounts and cell phone accounts. Within days more fraudulent Hard Inquiries starting coming up on my credit report. XX/XX/XXXX XXXX XXXX, XX/XX/2019 Gap card, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 Lowes card, ALL FRAUDULENT HARD INQUIRIES.  I notified the creditors in question and they understood that the inquiry was fraudulent. I also placed a security alert on my credit reports. I was informed by the creditors that they would send a letter to the three credit bureaus requesting the Hard Inquiry be removed within 90 days. It is now passed 90 days and these fraudulent Hard Inquiries are still on my credit report.
Product: Checking or savings account

Had been receiving emails from Chime in my XXXX account which I had not opened and deleted. Today, I received a Chime " welcome to the Chime family '' debit XXXX card to our home address. I called to try to understand how this account was created and was not able to get an answer. The fraud line provided by Chime did not tell me if there are charges on the account. They sent me an email saying the " we regret to inform you that we have made the decision to end our relationship with you ''. When I said this is a wrong email and that the " Relationship '' was created without my authorization, they sent me a second email asking for my last 4 digits of SS # and proof of ID theft claim... 
I think this is a strange company, randomly opening accounts. I do not believe this is identity theft as I HAVE THE CARD in my hand and it came to MY ADDRESS. 
Please help me understand what next step is.
Product: Credit reporting or other personal consumer reports

I was surprised to see incorrect accounts on my credit report this morning, and I don't understand why they are there. I routinely check my credit report, but this time, there were errors that hadnt appeared before. I tried refreshing my browser, thinking it might be a temporary issue, but the inaccurate accounts remained. Because of this, I am requesting a careful review of the documents I submitted to ensure I never have to deal with this concern again.
Product: Credit card or prepaid card

There is a transaction that I'd like to dispute on my US Bank credit card but the web form is not working on their website. 

The transaction is : XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX Ca totaling {$1900.00} I have no knowledge of this transaction and I do not know what is it for. I have not received any merchandise or service from the merchant charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus are even reporting inaccurate name variations which I've requested to be corrected and supplied adequate proofs and yet even those have not been addressed. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit card or prepaid card

XX/XX/XXXX I received a fraud alert for my Sears Mastercard I advise that I did not make the charges. I was told the account was supposed to be closed. I later received alerts that the account had incurred more charges in XX/XX/XXXX. I disputed those charges and could not understand how they would allow the account to accumulate additional fraudulent charges when the account was supposed to be closed due to it being compromised. I was very upset and frustrated to receive the phone calls and to know that this could occur. It was very disappointing and devastating as it affected my ability to purchase a home. During the discussion I asked that they ensure they close the account and it remains close. I asked they not have any active accounts for use due to the security issues. I dont feel like a new account would be secure at this point. 

I had to follow up with them periodically to see what was going on and why it was taking so long to clear my record. This was very difficult. Finally on XX/XX/XXXX. I received a letter indicating they had finished their investigation and as a result they removed all disputed charges and any related fees and interest charges from my account. I did not receive anything stating that I owed money, I did not receive a itemized statement. 

On XX/XX/XXXX, I received a notification my account is past due. I called to ask what was past due. I inquired if they were missing a note that the account had fraudulent charges. I didnt have a billing statement. I advised I didnt owe anything and I recently received a letter that the disputed charges were removed. The representative informed me she would transfer me to the fraud department and when I spoke to a representative there, they said that they would look into it they saw something and I figured the records had needed to be caught up and corrected. 
I have inquired on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again today XX/XX/XXXX to see what was happening with my account. I was told they still have a charge on the records from the dispute for over {$1300.00}. This has caused undue suffering as I have to still dispute this matter. Im further disappointed because I asked that the account not be active for use due to prior security issues as I dont feel like the account would be secure. I also never consented to activate it. I was advised the account was active. This is concerning and just shows that they continue to be negligent on their end to protect my account and my credit rating as a consumer. I asked them again today to make sure the account is not active for use. 

Im filing this complaint as I need a resolution ASAP, this is negatively impacted my ability to get things done for my family.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 Any 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. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

Experian is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

Experian is inaccurately reporting XXXX XXXX act # XXXX date XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed
Product: Credit card

I have excellent credit. I make sure my bills are paid in full or at least make payments for more than the minimum due. I do this to lower the amount of interest I pay overall. I make sure I check my card twice a month and adjust my own spreadsheet to reflect any outstanding balances I have along with how much I pay on each bill. This month I noticed that this Bank of America credit card payment changed without my consent. I had an auto payment set up for {$120.00}. My payment is due on the XXXX of every month. I checked on this card and had seen the my entire account balance was going to be paid via auto pay. I did not set that up. I canceled that payment and made a one time payment. Today, XX/XX/year>. I went into my account to set up Auto pay for what it use to be set up for. Although in the descriptions for the types of auto payments lists an Auto Pay method of : Fixed Payment Amount ''. However that was no longer an option for an auto payment. I called and spoke to XXXX from Nevada at Bank of America. She told me that they no longer the fixed amount choice, leaving only the minimum payment due or the entire statement balance. The reason she tried to give me was that because sometimes peoples minimum balance due goes up and if the card holder had a fixed payment selected then that payment may be smaller than the minimum due. Although this may be true, I feel the real reason is to ensure people can not pay their credit cards off early. I feel that Bank of America has done this to get more interest out of people. They very well could have made an option for a fixed amount and not allow that amount to be less than the minimum due. Just like the option for the entire statement balance has an option to not pay that amount if it is over a certain amount that the card holder can select. This is a totally predatory practice. My right to choose to make a higher payment than my minimum due via auto pay has been taken from me unless I set up a different payment option from my personal bank account.
Product: Debt collection

XXXX XXXX XXXX and Accounts retrievable systems, Inc are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with XXXX XXXX XXXX was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XX/XX/XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX XXXX to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX XXXX told me they had no records nor any contracts for this claimed debt signed by me, XXXX XXXX informed me they sold the fraudulent account to Accounts retrievable, Inc. 
XXXX XXXX XXXX continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
XXXX XXXX XXXX ignore this and continue to threaten garnishment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Experian / XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX/ XXXX
Product: Checking or savings account

I opened a checking account with 53rd bank online on XX/XX/XXXX. Everything went fine until almost a month later i realized that i couldn't log on to the online banking or access to my funds. When i contacted the customer service on XX/XX/XXXX i was told that my account might be approved by error. So i asked to just close the account and return my money. The representative said ok and that the account balance would be mailed to my home in a check. On XX/XX/XXXX when i still not received the check i called again and spoke with a rep named XXXX. He apologized for the delay and said he would put a request to reissue the check and mail to my home. But as of today still no check in the mail, and I'm still receiving the bank statements so obviously they did not close my account as they promised. I called the bank this morning again 4 times. Each time i was transferred to the fraud department where nobody ever picked up the phone, i waited for over an hour until the phone battery died still nobody answered. I have no other option but to come to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove XXXX. XXXX  : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, XXXX. XXXX : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors A person shall not 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. ( B ) Reporting information after notice and confirmation of errors
Product: Mortgage

Hello, My complaint is two-fold. 1. I sent them an email in regards to being a veteran and not paying PMI or MIP. I was told to call XXXX and have been unsuccessful. Therefore no results. As a veteran it is advertised that a veteran pays no PMI or MIP. I purchased the house in XX/XX/XXXX and became a XXXX in XX/XX/XXXX. Bank of America was aware of my status since I gave them notice. I have paid PMI or MIP since XX/XX/XXXX thru XX/XX/XXXX. Can you help? <P/>2. I make advance principal payments to pay down my mortgage. I rec 'd a letter reading that I do not have to make a payment till XX/XX/XXXX. As of today I have paid advance principal payment through XX/XX/XXXX. Therefore the year XX/XX/XXXX should show up on my amortization schedule. What reads on my current amortization schedule is XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I continue to plan on making advance principal payment the normal reading of my amortization schedule should start reading the amortization starting XX/XX/XXXX as of XX/XX/XXXX. Can you help? <P/>CFPB has helped me in the past and did an awesome job and you were able to obtain just results for me. <P/>Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable re-investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward. Consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my Experian where Experian has either corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or aim the disputed accounts as Experians in action, violates federal law, and my right as a consumer