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

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, expierian and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX violation of my rights by reporting to all the credit bureau of my credit account and inquiring, were they are shown also XXXX XXXX  has sold my information to a three party customer service company for pennies on the dollar. They have also reported to all three major credit bureaus as a charge off on my credit report. Which they have filed a 1099a & 1099c from in received payment of {$600.00} dollars + interest wages. Which states my debt is paid in full. I will like the charge off removed from all three credit bureaus immediately with a 30 day period immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit for a second time now has failed to update my mailing address and provide me with paper bills for a car loan taken out several years ago. 

My account number is XXXX. 

As a result of their inability to update my mailing address after having made requests by phone on XXXX separate occasions I was not notified of a missed payment associated with my auto loan and was unable to rectify and make the payment due to having never received any type of bill or late notice. Ford Credit has not reported two, 30-Day late notices to my credit report which are extremely damaging in both my personal and business. I have contacted them requesting good will and again requeste that my address be updated but did not have any success as it relates to their reporting of late payments. 

Furthermore, on a statement dated XX/XX/2018 it reads : returned payment received. Indicating that my XX/XX/XXXX payment was processed. Since than I have received no other notices. On XX/XX/2018 my payment due XX/XX/2018 was marked 30 days past due and was immediately reported to the Credit Reporting Agencies. 

Ford Credit has been unreasonable in their dealings and has taken no responsibility for their failure to issue me a paper bill or written notices which I am entitled to as an account holder. They have been extremely timely in their reporting of missed payment to the Credit Reporting Agencies but to date have not provided me with one bill or piece of mail!
Product: Mortgage

On XX/XX/2021, I paid off my mortgage with old servicer XXXX  XXXX XXXX. 

On XX/XX/2021, servicing of my mortgage was transferred from old servicer XXXX  XXXX XXXX to new servicer NewRez LLC, even though my mortgage was already paid off. 

On XX/XX/2021, NewRez emailed me saying I had not paid my mortgage. I called NewRez and explained to the NewRez representative that I paid off the mortgage with old servicer The XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative asked me to fax NewRez at XXXX with documents showing the mortgage was paid off with old servicer The XXXX XXXX. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX  showing mortgage payoff on XX/XX/2021, and with an escrow refund check from XXXX  XXXX XXXX dated XX/XX/2021. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a letter from XXXX XXXX XXXX showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez called me saying I had not paid my mortgage. I explained to the NewRez representative that I called on XX/XX/2021, and sent faxes on XX/XX/XXXX and XX/XX/XXXX, showing that I paid off the mortgage with old servicer XXXX XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative verified in NewRez 's system that I had called on XX/XX/2021, but told me that the previous NewRez representative had given me an incorrect fax number XXXX. The NewRez representative told me that the correct fax number is XXXX, and asked me to fax the documents showing the mortgage was paid off with old servicer XXXX  XXXX XXXX. 

I sent 2 faxes to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX showing mortgage payoff on XX/XX/2021, with an escrow refund check from The Money Source dated XX/XX/2021, and with a letter from The Money Source showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez emailed me thanking me for contacting NewRez, saying I had not paid my mortgage, and asking me to fax documents showing the mortgage was paid. 

On XX/XX/2021, NewRez mailed me a letter saying NewRez would report nonpayment of my mortgage to credit agencies starting XX/XX/2021. 

As servicing was transferred to NewRez on XX/XX/2021, and NewRez began negative reporting of my mortgage to credit agencies starting XX/XX/2021, NewRez is in violation of servicing transfer regulations which prohibit negative reporting to credit agencies within 60 days of the mortgage transfer.
Product: Consumer Loan

Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations. Please immediately remove these fraud alerts Without my phone number these fraud alerts are useless. Please sent me proof the I requested these fraud alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights. Please send me a record of of the fraud alert request made by me or should I should subpoena such records, please advise
Product: Debt collection

XXXX XXXX sold a debt to Midland Credit that was not mine. This account was made fraudulently to my knowledge. I never opened an account with XXXX XXXX nor did I make any payments on any XXXX XXXX account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by XXXX XXXX that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by Midland Credit. The only information they gave me was that the address linked to the XXXX XXXX account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with XXXX XXXX.
Product: Credit card

I purchased a XXXX JERSEY, from XXXX  using my PAYPAL account. item returned & purchased a smaller size. I asked to credit my new purchase but XXXX  AGENT was unable. XXXX  issued a e gift. I dont want another purchase. I want my FUNDS returned to PAYPAL account. PAYPAL not doing anything to help get my funds returned. I HAVE NOT ACCEPTED E GIFT CARD. they sent email.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breech. Multiple accounts on my credit report are inaccurate.
Product: Checking or savings account

Step 1 : What is this complaint about? 
The Fifth Third Bank at the XXXX Fl, branch closed my checking account without prior notice and without legal reason. 
Step 2 : What type of problem are you having? 
A wire transfer made to the corporate account was rejected, so the fees paid were lost. 
Step 3 : What happened? 
On XX/XX/2021, I opened a corporate checking account at Fifth Third Bank at the XXXX Fl. Branch with an initial deposit of {$19000.00}. In this corporate account I indicated that 90 % of the company belongs to me and 10 % belongs to my sister, XXXX XXXX. 
I also opened a personal account and deposited {$50.00}. 
On XX/XX/XXXX, my sister received a call from an alleged private investigator and asks for various account details and arrogantly questions if we had paid the company 's taxes, an aspect that bothered my sister because the company is new and we don't have any Tax obligations yet and, above all, because of the tone in which this lady expressed herself ; obviously you can not inform anyone who calls on the phone trying to obtain financial information. 
My sister immediately notified me of the call and I wrote an email to the bank asking if the call was official, my sister also called the bank to find out what the reason for the call was. 
The person in charge of my accounts in the Bank responded by giving me a list of documents that I had to present, including a Business Plan. 
On XX/XX/XXXX, I responded by clarifying that all the documents that she requested were presented at the time of opening the accounts and the only thing missing was the Business Plan, that was not presented since I was not requiring any financing from the Bank, anyway I sent her again the submitted documents. 
On XX/XX/XXXX, and as I didt receive any communication from the Bank, I called the Branch Manager, XXXX XXXX, who asked me for a phone number to make a tripartite communication with the investigator. However, that call was never made. That same afternoon, as a result of my phone call to XXXX XXXX, I suppose, the manager of my account, Mrs. XXXX XXXX, wrote me another email in which she asked me to present the Business Plan without indicating if there is a deadline to present that document. 
On XX/XX/XXXX, I sent the requested Business Plan to the Branch Manager ; On XX/XX/XXXX, he answered me indicating that bank protection closed my accounts. 
On XX/XX/XXXX, my partner in the project being invested in XXXX visited the Branch Manager and they called me on my cell phone. At that time, the Manager XXXX XXXX informed me that on XX/XX/XXXX the Bank closed my accounts. 
In other words, the Bank closed my accounts without giving me prior notice, an aspect that harmed my business since my company was to receive an international wire transfer for $ US XXXX, which was rejected due to this arbitrary closure and without prior notice.

From everything explained I have emails and documents, even about the rejected wire transfer.
Product: Credit card

Despite numerous written requests, the unverified account listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of this account from my credit reports. 
XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit act Enquiry XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts
Product: Checking or savings account

I went to several different banks to open up an account and wasnt able to I got denied by XX/XX/XXXX, XXXXXX/XX/XXXX today Ive never got any scam money so Im not understanding why I cant open up an account without having all these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigation these items within 35 days gives a reason to immediately remove those items from my credit report. It has been way over 35 days and they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My Information was also impacted by the Equifax data breached may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the handling of my credit reports, and to bring to your attention the impermissible access of my credit report from Source Receivables Management, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what Source Receivables Management. This debt collection agency is reporting {$290.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Source Receivables Management in direct violations of the FCRA. I have discovered that Source Receivables Management fraudulent account. I need proof of a wet signature of an application w/ Source Receivables Management and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Source Receivables Management has accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Mortgage

We purchased our house in XXXX, XXXX, and our original finance company was Country-Wide. Shortly, afterwards Country-Wide transferred our loan to The Bank of America. We made payments to Country Wide and Bank of America on time until, I lost my full-time job unexpectley in XXXX, XXXX, but I was left with my part-time job that I had since XX/XX/XXXX. Fortunately, my husband and I were able to continue to make our payments on time., as my husband was a XXXX of an XXXX company, and he also worked part-time at XXXX . Nevertheless, in XX/XX/XXXX my husband was told by his company by his company that employees who were in management could not work part-time. Therefore, my husband had to quit his part-time job at XXXX. This of course contributed more to lowering our income. But, we continued to stay current with our mortage payments. In XXXX, XXXX, my husband ; s company informed him that his team was not performing, and they downsized him to an agent 's position which meant that he would not receive salary, but commission only. My husband could not for commission as we had bills and a child with XXXX and XXXX. My husband filed for unemployment, and received {$3000.00}, and his company fought against, as they said that they offered himn a position, eventhough, the position did not pay a salary. My husband had to pay back the unemployment compensation. Then my husband secured a job a low paying car salesman 's job, but we still remained current with our mortgage. In XXXX, XXXX, my mother died, and we did not have insurance, and we had to pay for her funeral expenses. Everything went downhill after that, We went to a XXXX event in XXXX, XXXX, and stood in line for two days, Finally at the end of the second day, we met with a XXXX counselor andwe were told that our payments would be eight hundred and some dollars, but the Bank of America representative had just left. Later, we found out from XXXX that their representative had done things incorrectly. So, the process started over. Bank of America told us that they could not accept payments toward our mortgage while they were working with XXXX. For three years, Bank of America kept turning down XXXX stating small items like like we submitted our taxes a day late. This was not true. Finally, XXXX gave up and Bank of Ameica started a loan modification process, and we were then told not to make payments until the modification process has been approved. They put us in foreclosure over four time, but each tinme they would remove the foreclosure because they would start another Loan Modification Review. However, they would always say that we did not qualify for any of the programs when I had read and knew that we should have qualified ofr the program that allowed homeowners to pay XXXX percent of their income.. Then in XX/XX/XXXX ( I believe ) they sold our loan to XXXX XXXX which initiall was most uncooperative eventhough they said that they would work on a loan modification for us.
Product: Credit card or prepaid card

The worst decision was to purchase an XXXXXXXX XXXX XXXX  from the online XXXX XXXX and offering my XXXX XXXX XXXX as a trade in. After I had Order Number : XXXX on tracking number XXXX cancelled, XXXX refused to refund my money of {$1100.00} back to my payment issuer even with the purchase and trade in in cancelled status. XXXX ( manager ) rep at XXXX XXXX refused to process the refund after acknowledging I never received the XXXXXXXX XXXX XXXX and a representative at XXXX signed for the returned phone on tracking XXXX. XXXX has had their XXXXXXXX XXXX XXXX  in possession since XX/XX/2021 and has asked me to call in again on XX/XX/2021 further holding my money on merchandise Ive never seen nor received. 
Thus refusing to refund me the money outside their 5 business day refund policy We received your return request. 
Your return number is XXXX. 
Order Number : XXXX Return Number : XXXX
Product: Debt collection

After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.
Product: Credit card

I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.