23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My identity was compromised online while living overseas. I didnt notice the new account until it appeared on my credit report as delinquent. Now they are trying to make me pay for something that was fraudulently approved
Product: Credit reporting or other personal consumer reports

I want to inform the LexisNexis ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX WI XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card

Chase owes me a credit balance of over {$26000.00}. I am getting very frustrated with them because every time I call, I get a different answer and keep getting transferred around. I asked to speak to the appropriate dept. to get my refund and they advise me that there is no dept. that I can speak to over the phone and that they 're only available in writing. They also told me that the check should take no more than seven business days. The request was received a week ago from today, or at least that 's when I called to put in the request. Unless, of course, they do n't have their facts straight and say they have no record of it. I just want my money back from the merchant credits I finally received due to fraud. This is not an overpayment, so they have no way of taking a loss to the business. These are credits from the merchant or Chase that are permanent. Therefore, there should n't need to be all this non sense of research. When I called last night, I was told the refund check was sent out. When I called today, I was told that the request is still under review. I call again and they tell me that it 's going to take an additional four days of research. They also mention that my account was closed due to bank policy, which I am aware of. I am not sure why they keep telling me that when I call since I tell them that I am calling about a balance refund check, I did n't mention anything about my account being closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue regarding TransUnion and request immediate action in accordance with federal law, specifically 15 USC 1681c-2 ( a ), which governs the blocking of information resulting from identity theft. 

I have recently become a victim of a data breach, during which my personally identifiable information was compromised. This breach has made me vulnerable to fraudulent activity, including potential unauthorized credit transactions and misuse of my identity.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Checking or savings account

I am trying to order myself a list and also get some personal items and my bank has blocked me from unlocking my card I am stuck trying to get home into the store to get personal items there is no disclaimer on their website about service being disconnected at this time Im taking screenshots of everything this isnt the first time that this is happened and theres no end of when this is going to be fixed or notification in an email saying that this is going to happen so now Im stuck in the middle of nowhere trying to figure out where Im going. Pnc bank is responsible.
Product: Credit reporting or other personal consumer reports

un-authorized inquiries

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

signed up for loan with title max XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with XXXX. for XXXX XXXX of 2022 i have to date paid around XXXX and the balance hasnt budged. called to speak to XXXX and was told she no longer works there nor does the manager. When i signed up XXXX told me if i made the monthly payment it would pay off the loan. None of this has occurred. now since she doesn't work there the new general manager has no longer taken accountability for this situation. I have been frauded by this company. No XXXX  spoke english but her explanations where not clear and she just kept saying yes to the questions when i asked her about the payments. 
website is supposed to have my documents but they are not there. and the website was down for a month and had been hacked and we were told our data was breached as well.
Product: Mortgage

In XXXX of 2024, I entered into a payment plan with mortgage servicer XXXXXXXX mortgage XXXXXXXX XXXX. My account number is XXXX. After months of trying to get the account accurate, we agreed to a six-month repayment plan in the amount of {$1500.00}, I've made 5 payments thus far and today when I called in the payment, I asked about the balance, I was told I have one more payment left. I asked why does the account balance state {$3700.00} remaining? He explained, that's for fees, I then said how is that possible when at the onset of the payment arrangement, it was to include the outstanding delinquent balance and to be divided up into 6 payments, I was never told about any additional fees and if there were some fees why wasn't it mentioned and whey wasn't it added into the payment plan??? He could not explain it. Gave me a fax number XXXX to the Research Dept to make a request for more information. XXXX has some very suspect practices with their fuzzy math and it's not fair to the consumer. I need this matter looked into ; it simply doesn't make sense. Thanks much
Product: Debt collection

PRE LAWSUIT NOTICE/ OPPORTUNITY TO CURE Galaxy International Purchasing , LLC XXXX You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ), see letter you sent which is attached to complaint, you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

In addition Galaxy International Purchasing , LLC engage in any conduct ( communication ) to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt, as shown in attachment to complaint your communication letter sent to i the consumer, pursuant to 15 U.S. Code 1692d ( 2 ) The use of harassment ( communication ) obscene or profane language 9stating i owe you a debt ) holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from Galaxy International Purchasing , LLC I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts send account back to creditor notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX
Product: Mortgage

After closing on my mortgage refinance, the new mortgage servicing was transfered from XXXX XXXX XXXX  ( XXXX, AZ ) to Lakeview/XXXX XXXX ( XXXX XXXX XXXX, CA ). 

Unfortunately, Lakeview/XXXX XXXX did not properly review the closing documents, did not pay on time the homeowners insurance ( despite this being clearly disclosed on the hazard insurance endorsement letter ) and did not update my mailing address to correct address ( this was disclosed on the Impound authorization and first payment notification sheet )
Product: Mortgage

On XX/XX/2022, I got a call from XXXX XXXX at Rocket Mortgage. I believe he found my number because my credit report had recently been pulled because we are working with a Mortgage Broker. He told me that he had received an application, which I assumed had been submitted by my mortgage broker. Based on his verbiage, I believed that he was working with her. I messaged my mortgage broker during the call and she said that was not the case. This was after I had already given him some information including my SSN. It appears that he pulled a credit report. I requested that he cancel my application. I received an email from XXXX that he ran my report without my permission.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XX/XX/year>2022 {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX account that has reappeared on my credit report without proper notification. As a victim of identity theft, I previously disputed this account with Equifax because it was fraudulently opened without my knowledge. On XX/XX/year>, Equifax confirmed the deletion of this account from my credit report. However, upon reviewing my updated credit report, I discovered that the XXXX account has been reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ). Specifically, this is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days of reinserting a previously deleted item. This account is inaccurate, fraudulent, and continues to harm me as a victim of identity theft. I request that Equifax immediately delete this account from my credit report and provide confirmation of its removal. Please address this matter promptly to comply with FCRA requirements.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reinsertion of Deleted Accounts Due to Identity Theft Dear Equifax, I am writing to formally dispute the reinsertion of the following accounts that were previously deleted from my credit report but have since been reinserted without my prior knowledge or notification. The accounts were removed due to identity theft, as supported by my Federal Trade Commission ( FTC ) Identity Theft Report and law enforcement case details. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number XXXX XXXX Information Regarding Identity Theft : I submitted an Identity Theft Report with the following FTC Report Numbers : XXXX XXXX XXXX XXXX I also have a Law Enforcement Case Number : XXXX. 

These accounts were deleted from my credit report, as they were fraudulent and linked to identity theft. However, I have recently discovered that they have been reinserted into my credit report without any prior notice or notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations of the Fair Credit Reporting Act : Section 611 ( a ) of the FCRA : The reinsertion of information that was previously deleted is not permissible unless the creditor or data furnisher verifies that the information is accurate. Furthermore, if the information is reinserted, I should have been notified within 5 business days. I did not receive such a notification.

Section 605B of the FCRA : This section of the FCRA protects consumers from the inclusion of fraudulent accounts on their credit reports, especially when they have been the victim of identity theft. Given that these accounts are related to fraudulent activity, I assert that they should not be reporting on my credit file.

Inconsistent Reporting : I have verified that these accounts are not reporting on my XXXX and XXXX credit reports, which suggests that the accounts are not valid and were incorrectly reinserted by Equifax. The failure to properly investigate and remove these fraudulent accounts represents a significant error, and further highlights potential issues with identity theft. 

Discrepancy Details : The accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not be present on my credit report due to their fraudulent nature. These accounts were originally reported and subsequently deleted due to identity theft, and I should not be burdened by their reinsertion without being notified.

The reinserted accounts represent a clear violation of the laws protecting consumers from identity theft and fraudulent credit reporting. These accounts are not reported on XXXX or XXXX, which highlights the inconsistency in how these accounts are being treated by Equifax.
Product: Debt collection

On XX/XX/2017 The company EOS CCA reported a debt of {$200.00} to my credit union. This company has yet to issue me an contract or agreement made to verify the account. I have tried to dispute this acccount on three occasions with only response that it meets FRCA requirement. The company nor the credit union has yet to send me any documents to verify a contract with EOS CCA.
Product: Credit reporting

I asked for my yearly credit reports from XXXX XXXX XXXX, XXXX Equifax online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and Equaifax stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with Equaifax, and they will not even let me see my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX under file number : XXXX with XXXX, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( XXXX ) XXXX, ( Equifax ) XXXX, and ( XXXX ) XXXX to update my address to XXXX XXXX XXXX, XXXX, Virginia. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the XXXX website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( 5 ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( 5 ) street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( 3 ) ; XXXX, Equifax, and XXXX. 

Today, XX/XX/XXXX I sent ( 3 ) certified letters to ( Equifax ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX followed by the tracking numbers. I also sent XXXX a copy of my employer W2 for XXXX which verifies my address. I was told by Equifax it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Product: Credit card

I had a Lowes Credit Card since XX/XX/XXXX and have never missed a payment until I had a serious car accident XX/XX/XXXX. I was in the hospital for two and one half months, XXXX then I went to XXXX. I am now home. During that time I called Lowes to tell them that I was XXXX from the crash. I told them about the crash and explained that once I was home I would take care of the account. I never dreamed I would be away from home for over three and one half months. My purse was evidentaly left at in my car after the crash. I have not seen it since. I live alone. I was in a hospital that was 2 hours from home and friends. I called Lowes on XXXX to notify them about the crash and they said OK. I called again on XX/XX/XXXX to give them an update and assure them that when I was able to get home I would pay what was owed. They said OK. I called on XX/XX/XXXX and was told that the account was closed. I did not have any warning that this was going to happen. I asked the supervisor why I was not notified and she said I had requested not to be called at home. I checkd that and it was on a form I filled out XX/XX/XXXX when I opened the account. I said why did n't Lowes send me a letter? She said they do not do that as it can be construed as a threat!! I have other credit accounts and each one like XXXX XXXX and XXXX, etc., helped me through this difficult time. Please can you get this account opened again for me so I can have a good credit rating? Thank you
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) : This account is inaccurately associated with me, with a reported balance of {$1600.00} as of XX/XX/year>. It also states late payments. So how is it a closed account and have late payments and why is it on my report? The inclusion of this account on my report is a mistake, particularly given the confusion regarding the associated addresses and the lack of even confirming they are even a real address. And furtherer more XXXX account has already been closed. I ask why would you leave it on just to further damage my reputation, my finances and overall ability to be successful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX* : XXXX accounts ( Acct # XXXX XXXX & XXXX ) related to XXXX XXXX XXXX XXXX XXXX erroneously reported as collections, with balances of {$910.00} and {$1100.00} respectively as of XX/XX/year>. These accounts are not mine, and the address discrepancies further underscore the errors in reporting. 

The repercussions of these inaccuracies are profound. They have barred me from accessing essential financial resources, including business loans and personal loans to cover hospital bills, during a time when my partner, suffering from XXXX XXXX ( XXXX XXXX and recuperating from a XXXX XXXX accident, needed it most. The emotional and financial strain this has placed on us is immeasurable. 

XXXX XXXX XXXX this account is erroneously reported as collections, with balances of {$2300.00}. These accounts are not mine, and the address discrepancies further underscore the errors in reporting. This is completely unacceptable. How it was allowed is beyond incomprehensible. I myself have tried to correct these errors but keep getting nowhere. If you put the address into the USPS address verification system you would have seen that. 

I will be adding the XXXX and XXXX stuff. XXXX of the just added an already disputed account that was XXXX XXXXXXXX XXXX. now that they have been disputed the collection agency 's have changed there name an reattached with another collection agency. Which I find scary as XXXX. They have the wrong name so the they get the right one and go back and just go to a different agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my debt in full with the creditors and they will not update my credit report. Ive contacted and submitted a dispute to XXXX, XXXX and XXXX and they stated they received my dispute and it was updated to the favor or the creditor. 

All three agencies sent me generic letters stating the findings remain the same. I have receipts for paid accounts and they will not update my account to paid in full.
Product: Credit card

I have a credit card through the retail store Best Buy that I made a purchase on with 12 months deferred interest on my purchase. Payment was due XXXX XXXX in full or I would be charged the deferred interest charge. I did not get payed by my job and called to ask to have the due date extended, to avoid the charge and pay it off in full when I got paid. I was assured this would work, but the due date came and I was assessed a late fee. After this I contacted them again and was assured there would be no problems as long as I paid off the full amount within 6 days of the original due date, so I found the funds and paid it off the very day after speaking with them again. Then today I wake up, the deferred interest charges are now on my account, and they tell me that there is no way to remove them even though I was assured they would n't be charged in the first place. I took screenshots of the final chat I had with this company, and am just looking for advice on how to proceed seeing as they are unwilling to work with me anymore after lying to me.