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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United State
s Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and U.S. Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

On XX/XX/2023, I was scammed by a consumer who had stolen someone else 's credit card and used it to purchase {$1100.00} in massage services from my massage clinic. He added a {$870.00} " driver tip '' to the bill, making it a total of a {$2000.00} credit card payment to my business. He then told me the {$870.00} was meant for the driver, and asked if I could XXXX his driver the money. I promptly sent the money to the email address he provided via XXXX, since it was his request and his money... However, it seemed a bit suspect, so I looked up the owner of the credit card and called him and asked him if indeed he was the one making the purchases, to which he said he wasn't. Upon learning it was a scam, I called his bank to inform him as well. 

While the bank did create a chargeback for the {$2000.00}, unfortunately Wells Fargo would not return the {$870.00} I sent via XXXX, as part of this same.
Product: Checking or savings account

I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX We issued a check of {$6600.00} to our insurance company but the check was lost in mail and been forged and withdrawn. I went to my bank, East West Bank, to discuss the issues and complain why they released the fund without any endorsement on the back of check. The branch manager said that is the bank standard procedure and advised me to file police report and bank 's own form and promising me they will refund to us within 2 to 3 month. Since the last letter from East West bank confirming the case filed, we have n't heard any thing from bank. Until today, X/XX/18, we called bank to update to status, the bank manager told us the other bank, the depository of check, denied to refund anything. Please advise what will be the next proper procedure to continue. Thanks.
Product: Credit reporting or other personal consumer reports

I request the termination of this account from XXXX, XXXX due to ongoing disputesregarding its fraudulent and erroneous nature. I have included an FTC in my previous claim, which I am also attaching to this dispute. This is my final attempt to contest this account ; thereafter, I will proceed to civil court in XXXX  to initiate a claim against your company. I request an investigation and the deactivation of this account.
Product: Debt collection

I moved out of an apartment back in XXXX of XXXX, my lease wasnt up until XXXX of XXXX. I moved due to being on the road and made sure to turn off my utilities and put them back in the property management name. Never received a piece of mail, email notification, no type of communication saying I owed x amount of money. Fast forward to XX/XX/XXXX a collection is showing of {$490.00} on my credit which I dont owe and I would like it removed immediately as it is affecting my score and me being able to do what I need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Make sure any accounts that were XXXX in the XXXX  show a {$0.00} and are labeled as XXXX or included in XXXX  XXXX XXXX is no allowed!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of my XXXX  filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX  ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the XXXX ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding the account XXXXXXXX XXXX XXXX XXXXXXXX ). According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.
Product: Mortgage

Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.
Product: Credit reporting or other personal consumer reports

XXXX Account ( XXXX XXXX ) : I am requesting the removal of this account from my credit report as it is fraudulent and the result of identity theft. I did not open or authorize any account with XXXX XXXX, nor did I consent to any transactions or agreements related to this account. 

Details of the fraudulent account : Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$1500.00} past due as of XX/XX/XXXX Balance : {$1500.00} I became aware of this fraudulent account when reviewing my credit report. I have not received any correspondence or billing related to this account. 

XXXX Account ( XXXX XXXX XXXX XXXX I am requesting the removal of this account from my credit report as it is fraudulent and the result of identity theft. I did not open or authorize any account with XXXX XXXX , nor did I consent to any transactions or agreements related to this account. 

Details of the fraudulent account : Original Creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : Collection account, {$810.00} past due as of XX/XX/XXXX Balance : {$810.00}
Product: Money transfer, virtual currency, or money service

" I purchased an app subscription from Google XXXX XXXX but did not receive a refund after cancellation.On XX/XX/2024, I bought the subscription. I cancelled it within 1 day on XX/XX/2024. Google XXXX XXXX approved my refund on XXXX not receiving the refund, I contacted Google XXXX XXXX on more than XXXX times. They informed me they would contact me via email within XXXX hours.It has now been over 2 months since the initial refund approval, and I have not received the refund or any further communication from Google
Product: Debt collection

XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

CitiBank is the bank I have a complaint about, I currently have a credit card with Citi Bank and then I was offered an online checking acct so I decided to sign up for the checking acct back in XX/XX/2019. 

So just this month ( XXXX ) suddenly I receive a notice that I have a overdraft fee of {$34.00} that was caused by a monthly fee of {$30.00}. So I immediately try to contact the bank to discuss and tell them I was never advised of such a fee nor charged a monthly and its impossible to get thru online on phone and due to current events in person. 

I believe this is profiteering I will not a monthly fee of XXXX that i was not told of or charged this is a scam. 

Please help me.
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 all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with them about this XXXX  account to no avail. I have called directly ( XXXX  ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept.
Product: Credit reporting

Experian has been reporting a secret consumer file used to provide leasing reports to various companies. Reports that I have never received attached to my credit file and also reports that they will not disclose to myself. As I am a victim of identity theft by a property manager who assumed and attempted to use my name after finding it was clear and free of any criminal activity, and when told that she could n't, she tried to send a bill to me two years later in the name of the person that committed identity theft prior to her that I filed charges on. I have since tried to contact Experian, and they will not furnish the report. They have blocked me from access to my file requesting that I mail a request, and releasing it to others with a click of a button, with fraudulent accounts and reports and court filings. I have asked Experian not to add, inquiries, collections, or anything pertaining to my file unless it is Legally verified. I request that Experian Unblock my file to myself, so that I may see what they have been reporting pertaining to me, and my information. It is someone that works within the Experian Corporation giving access to my information, while blocking myself from seeing what they are disclosing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 received alert from experian on ibstallment loan or bank account inquiry from : Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Contacted experian fraud department and placed fraud alert. 

Also contacted XXXX XXXX and spoke with customer service associate XXXX XXXX who flagged the credit application and suggested I contact FTC and credit reporting bureaus, per company policy.
Product: Mortgage

Approximately XXXX, 2015 paperwork was filed with NationStar Mortgage for a loan modification. NationStar informed the modification was not received so the paperwork was sent again. Again it was apparently not received. 
XXXX of 2015 I XXXX XXXX of XXXX XXXX was hired to sell the property prior to Foreclosure Auction. XXXX investors discussed an offer of {$100000.00}. An offer was then submitted and accepted for {$110000.00}. According to the original payoff information provided by NationStar that would cover the XXXX & XXXX mortgage. XXXX XXXX, 2015, current payoff information was obtained by XXXX XXXX as closing on the sale was set for XXXX XXXX, 2015. At this time it was discovered that there was not enough funds to cover the sale. A short sale process was initiated. Information was sent to NationStar a XXXX time and also uploaded through the " XXXX XXXX ''. This was approximately XXXX XXXX, 2015. 
XXXX XXXX, 2015 Notice was given through XXXX that the short sale request on the first mortgage was denied and to continue working on the XXXX mortgage short sale. This has been an ongoing process. 
Property is set for Foreclosure Auction XXXX XXXX, 2015 and NationStar is neglecting to proceed in completing the short sale request to complete the sale and remove the auction Status. This is email sent today by XXXX XXXX to Asset Manager, Supervisor and " ManagerNSProcessing '' through XXXX. " My client and I would like to know who to file a complaint with regarding these loans and the status. XXXX XXXX has sent in paperwork twice for a loan modification which NationStar told her were not in the system. XXXX XXXX I began the process of short sale on the property and we have been in constant communication since. XXXX XXXX is our XXXX XXXX, he is who I have been working with. Last week I asked about progress on the loan, XXXX XXXX stated he would send a request for the XXXX, it was not on file yet. I just got of the phone with Rep who says request was sent yesterday! My client spoke to someone this morning referring her to a XXXX XXXX and was informed we are handling the process incorrectly and I should have spoken to a manager and provided XXXX and much more. All of this has been provided through XXXX and much more. Foreclosure auction is set for XXXX XXXX for at {$75000.00}, we have an offer and buyers waiting to complete sale at {$110000.00}. ''
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT { XXXX XXXX XXXX   ACCT # XXXX }. WERE FILED ID THEFT REPORT AND DISPUTE WITH EQUIFAX TWICE THEY STILL NOT REMOVE OR DELETE.
Product: Credit reporting or other personal consumer reports

Please remove this unauthorize hard inquiry from my account. i do not recognize lender and I do not remember authorizing them to perform a hard inquiry on my report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
XXXX, Transunion, XXXX  never posted my XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone tried opening a credit card in my name. The application was canceled because the company was not able to verify my information.
Product: Checking or savings account

on XX/XX/XXXX, I had a XXXX payment set from a family member to my Navy Federal account for {$900.00} dollars and the initial amount was accepted when the second payment was being sent to my account XXXX and Navy Federal deactivated my account with no explanation and no true investigation because the person who sent it to my account never reported it fraudulent nor tried to receive the payment back. I asked for an appeal which they denied but said i could still have my direct deposits from my job sent to my account which I later could not access as well. Not only was there not a real explanation for my account being closed, when i called to ask to speak with management about the situation with the sender of the funds with me on the call they provided no reasoning for closing my account and made it where i can never have an account with them again which put me in a financial burden at the time of the situation happening. I have full proof of the transaction not being fraudulent down which they still accepted but made fraudulent after the funds where sent and didn't even close my account all the way until i started asking question on why my account was restricted after the transaction.