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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$240.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$750.00} XXXX
Product: Student loan

The XXXX XXXX XXXX, ( PHEAA ), who use to be my loan servicer for my daughter 's parent or/ & direct plus loan, ( which is my name ), has ordered or hmade my new loan servicer, XXXX XXXX to add the direct plus loans from XXXX XXXX  XXXX XXXX XXXX XXXX added in with the other loans I had consolidated. Problem is that I requested in writing for this not to be done to the XXXX XXXX as well as XXXX XXXX. XXXX XXXX stated via phone conversation that they aren't allow to go against the XXXX   XXXX XXXX  ; however, the XXXX XXXX XXXX  keeps locking me out of my login account with them. This is making it so I am unable to sign in to send them a letter, asking why are they having loans that are in dispute & under investigation, consolidated? 
According to the written instructions even of the " borrower defense refund cancellation form '' dept, they have up to one yea to do an investigation on any case they take Then they any loan amounts in dispute, must be put on freeze! I already contacted the XXXX XXXX XXXX. about this already. Why did they still do anyway .... Oh, sreset my login infor. uso I can request & order for new login ...
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 Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/year> Date assigned : XX/XX/year> Account status : Unpaid Amount : {$290.00} Has violated my rights.

1

5 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 too believe that the information is inaccurate
Product: Bank account or service

I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name WF CRD SVC Account Number XXXX {$2000.00}
Product: Mortgage

My name is XXXX XXXX I'm a recently XXXX  XXXX XXXX Veteran that had my signature signed fraudulently signed by Ocwen LLC in XXXX as a co-borrower for a refinance. Here 's a little history. I was a co-signer on a Mortgage with my Mom from XXXX. Fast Forward to XXXX and Ocwen refinanced a Mortgage with my Mom and they apparently got her signature and put mine as a co-borrower as well. The Documents were never sent to me, or notarized which they need to be. When my Mom died in XX/XX/XXXX, I discovered then that I was on this Mortgage then. After unsuccessfully trying to contact Ocwen to refinance this in my name, they gave me the run-around. I was deployed overseas then, and they never told me that my Mom must have refinanced with her signature, and my ( forged ) signature from them on this document is when I noticed a $ XXXX Mortgage remodification was done in my name without my consent. I found this out from XXXX XXXX Mortgage, which is who Ocwen sold the mortgage too. XXXX XXXX were the ones who told me about the $ XXXX when I tried to refinance with them since I was getting nowhere with Ocwen. I believe they committed Mortgage fraud, they never called me, emailed me, or anything back in XXXX when they did this refinance.
Product: Mortgage

Since the XXXX XXXX in XXXX I was permanently laid off. 

I got a job in XXXX but was behind a year on the mortgage, was denied forbearance because they stated that I have exhausted my options for forbearance, in XXXX made several attempts for a loan modification was denied. Made XXXX attempts for a short sale was again denied by the lender, and made a final attempt to request a deed in lieu was denied that as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint today against some credit reporting agencies that sharing my personal information without my consent. I have written them a letter saying that I do not consent with them having and sharing my information that they have received from financial institutions because that information is private. This is a violation of 15 USC 6801, 16 CFR 313 and the 1974 Privacy Act. These 3rd party agencies are sharing my addresses, telephone numbers and other personal information. I've called them to removed this information and sent them a letter to opt out and haven't gotten any cooperation. This issue has been affecting the way I do business and has been making it hard for me to receive anything for my family and household goods. I want my anything that has been reporting from financial institutions removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts on my credit file ASAP.
Product: Checking or savings account

Always posting payments even if there werent funds to cover so they could charge me XXXX
Product: Checking or savings account

Both my wife and I bank with Fifth Third Bank. Our sirect deposits were supposed to land in the accounts this morning. They have not. We are in a time crunch, as we have not paid all of this month 's bills this month. If we can not access our pay, we will face the foreclosure of our home, the diminishment of our credit, and the inability to cover crucial bills like heat, water, and food, and will need to drop out of civilization. Please have them address our receipt of pay immediately.
Product: Mortgage

Filed for bankruptcy in 2010 with the promise of a modification but never happened they only proceeded with the threat of foreclosure. We got caught up and now after a discharge the same thing. The property is worth XXXX to XXXX below what we owe on it and realtors state that the house is not in condition for FHA sale. This was from XXXX realtors from XXXX different firms. When contacted Ocwen they only replied back with when can you make your next payment. We have spent XXXX of dollars trying to renovate property but it just not enough, we are so under water in the property that we 're starting to see seaweeds, slight exaggeration but that 's the feeling. The loan/refinance should n't have never been approved and we are partially to blame and I take ownership in that regard but for the Ocwen not wanting to help out in no way Is just wrong. Please offer your assistance if you can as it would be most gladly appreciated.
Product: Credit reporting or other personal consumer reports

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts XXXX XXXX XXXX ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXXXXXX XXXX XXXXXXXX XXXX back Hard credit inquiries XXXX  XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency. 

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : EXPERIAN CREDIT REPORT  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXXXXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX   CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX-XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a new XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX with a sale paid XXXX per the window sticker. I had a Trade-In of a XXXX XXXX XXXX XXXX XXXX XXXX that had a loan with XXXX XXXX XXXX the amount of XXXX. I was to gross Trade-In allowance of XXXX. Which was give me XXXX for a down payment. What the dealership did was charged the amount of the vehicle to XXXX when I had not agreed to the amount was to be XXXX. The loan was with Honda Financial Services on a 60 month term at an apr of 5.9 % monthly payments XXXX. I was never given any paperwork just a USB flash drive. I call the dealership on XX/XX/XXXX after talking to Honda Financial Services and told the salesman, sales manager, finance about the amounts was not right plus the dealership add an extended warranty with XXXX in the amount of XXXX and gap insurance in the amount of XXXX. I told the XXXX XXXX and the dealership that I did need or want to have the XXXX warranty or the gap insurance. I have Gap insurance with my insurance company. Plus the XXXX Warranty runs at the sametime as my Manufacturer Warranty so I would never be able to use. XXXX XXXX dealership had me full out paperwork to cancel the XXXX and XXXX insurance on XX/XX/XXXX but never Process the paperwork. I was sold a new vehicle for XXXX but the The way the dealership presents papers is on a desk that's a computer screen they have you signed the papers and before you can even read them and than thry disappear. Now I went to the dealership after having the new vehicle one week. I talked to the dealership was told all if this was a mistake and they would fix it due to the amount of the vehicles price with keyed in wrong. Nothing has been done and today in XX/XX/XXXX. I sold the vehicle of XX/XX/XXXX. No vehicle can be sold at a new automotive dealership upside-down or be sold fir amount that is not Fair marker value. 
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Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$65.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX - {$280.00} XXXX XXXX XXXX XXXX XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Subject : Urgent Request for Removal of Fraudulent Account and Debt from Credit Report Dear Sir/Madam , I am writing to bring to your attention a critical matter regarding fraudulent activity associated with an account created under my name without my consent. I recently discovered that an unauthorized Citi Custom cash card was obtained and utilized fraudulently, resulting in a total outstanding balance of {$4700.00}. I must emphasize that I did not apply for this card, nor do I have any banking relationship with CitiBank. 

As a victim of identity fraud, I kindly request your immediate assistance in addressing this issue promptly and thoroughly. I ask that you take the necessary steps to remove all traces of this fraudulent account from my credit report, as it is negatively impacting my financial standing. 

Please note that this request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers. Under the FCRA, it is crucial to rectify any inaccuracies or discrepancies on my credit report, particularly when they involve debts that are not mine. I kindly request that you expedite the resolution of this matter to ensure the accurate and fair representation of my credit history. 

While I have not provided a credit report at this time, I assure you that the fraudulent account in question is causing significant distress and financial hardship. I am prepared to provide any necessary documentation or information required to assist with the investigation and resolution of this matter. 

I understand that investigating and resolving such matters can be time-consuming and complex. However, I urge you to prioritize this case due to the substantial financial impact it has on my creditworthiness and personal well-being. I kindly request that you keep me updated on the progress and provide me with a written confirmation once the fraudulent account and debt have been removed from my credit report. 

I appreciate your attention to this urgent matter and look forward to a swift resolution. Should you require any additional information or have any questions, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and cooperation. 

Sincerely Yours.
Product: Credit card or prepaid card

A charge I did not recognize appeared on my card. Visa refused to undertake an investigation, but in doing so did not comply with requirements of the Fair Credit Billing Act. The company continued to ask me for information about the charge but I can provide no information about a charge I know nothing about. The Fair Credit Billing Act requires : XXXX. That Visa " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Visa XXXX. The Act also requires Visa, upon my request, to provide copies of documentary evidence of my indebtedness. Despite my written request, this was not done XXXX. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. In fact, it can not be done because I received no services. I wrote to Visa about this but my letter was ignored In their letter, Visa state " we found no evidence of a billing error ''. But that is NOT the standard under the Fair Credit Billing Act. The Act requires Visa to show why the charge is correct, to provide documentary evidence, determine that goods were delivered and make a statement to that effect. None of this was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. Experian and XXXX are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is XXXX XXXX XXXX XXXX
Product: Debt collection

Purchased furniture in XXXX XXXX South Carolina. Was reestablishing credit so was referred to this furniture place. Ordered, paid down payment. We discussed delivery. They left furniture in rain for hours. Furniture was ruined. I refused to take it. I negotiated return and closing account. Acima has refused.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, 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, has violated my rights. 

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 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.