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

This is my several endeavors 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXNG ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}
Product: Mortgage

Loan Servicing company trying to collect discharged class XXXX bankruptcy debt. see QWR notice of error within.
Product: Credit card

Starting on XX/XX/ someone used my Citi Bank Mastercard information to make fraudulent charges to my credit card. There were 5 fraud charges totaling {$7500.00}. Citi contacted me on XX/XX/XXXX  saying the charges looked fraudulent so they shut off my card. I confirmed that I had NOT made any of these charges so they told me they would investigate and send me a new credit card ( ending in XXXX ) to replace the one that was used for the fraud ( ending in XXXX ). 
I called Citi at least 10 times because the fraud charges hadn't been credited back until after my XX/XX/XXXX  statement. However they had already charged my card {$110.00} in interest on the FRAUD charges. I called a few more times and they told me each time to NOT pay the interest because they will have it removed in about 3 days. Now it's a couple of weeks later and they also added {$30.00} as a LATE FEE on the {$110.00}. 
I have spent many hours speaking with Citi employees on the phone for almost 3 months ( I have all of their names, dates and times that I spoke with them ) but they still haven't REMOVED the {$140.00} balance for the interest & late fees on those fraudulent charges. 
I have NOT used their new credit since the fraud as I'm waiting for them to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX Account # XXXX, XXXX & XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, DEPT OF EDUCATION/XXXX Account # 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 a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

In XXXX of 2022, I received a billing statement reversing a charge that I informed a banker that was not mine. I received a call from Bank of America with an agent stating that suspicious activity was noticed on my card and was issued a new card that was I never received. When I received the statement it showed the fraudulent charge removed and then it was reversed. I put in a claim for a fraudulent charge, but due to me also being a victim of mail theft did not receive the denial. When I did follow up with Bank of America, I let the banker know I did not receive the denial and that I had much evidence to share of my identity theft ( a police report number, postal inspector case number, FTC identity theft report, District Attorney complaint number, and other proof of my stolen identity. This was XX/XX/2022. A few days later I received a letter of denial of my claim on XX/XX/2022. It was obvious that the fraud department did not receive the evidence I sent to the XXXX XXXX site because I sent it on the XX/XX/2022. I have tried several times to speak to the fraud department about this but have been on long holds ( XXXX hour or more ) or have been hung up on because of the volume of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/2020 and XXXX  XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Product: Checking or savings account

Chase, decided to close my account due to fraud. I have money in my savings about XXXX and XXXX dollars in my checking. They decided to keep the money for disputes and not send me my check.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my XXXX whom I XXXX since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.
Product: Consumer Loan

I recently purchased a vehicle from Santander USA, I 'm being charged XXXX interest and my payments are XXXX for XXXX months, my question is I 've been making on time payments but I 'm not seeing any change in the balance or interest balance and my intrest rate is too high I thought finance auto companies ca n't not charge you over 25 percent in intrest please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I disputed 2 accounts with XXXX XXXX XXXX XXXX. I disputed this with Experian and with XXXX XXXX XXXX sometime ago and they refuse to valiadate this debt even Experian. I need to see a sign contract that I sign and promise to pay them for two loans. One loan is for XXXX and one for XXXX. They need to send me that promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Ally Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Called Capital one to make payment of XXXX on due date XX/XX/23 via phone and was told that the account was restricted and would have to call back Monday morning XXXX time. Was not informed of this action and now running the risk of having the account permitnially closed due to no being informed about this action.
Product: Debt collection

I'm victim by identity theft, I don't recognized this fraudulent activity on my account and they destroying my credit.
Product: Credit reporting or other personal consumer reports

on XXXX i sent certified mail experianXXXX XXXX, and XXXX containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a XXXX XXXX drill weekend I was injured on duty and received hospital work for the next three days. The military booted the bill for the entire stay with the exception of a single XXXX. That single bill took approx. 2 years of getting re-directed and asking the right and wrong people before finally being paid. 

My issue is that during this time, the hospital referred this debt to a debt collection agency they partner with and I am worried about how this has affected my credit score. What I want to know is how exactly I can argue any delinquent debts that were not mine to pay for in the first place. 

Besides the actual debt collection statement itself, I have multiple contacts from both XXXX ( military insurance ) and a liaison from XXXX ( general military help site ) to corroborate with on this story and would be able to provide contact information whenever necessary. 

Thanks for any and all information, all the best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputted this account with XXXX in the pass and it was removed from my credit report now Transunion has re-inserted to my credit report this account was a result of fraud the account was open by a Idenitiy Thief. and Transunion is violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XX/XX/ I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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: Checking or savings account

The same problem I had in XXXX I believe with Capital One failing to pay my bills after deducting the funds from my account is happening yet again. 
I set up bank bill pay through Capital One to pay {$210.00} to XXXX to pay my XXXX cable and internet bill. Payment was never received and they are threatening to cut off my service. The funds were deducted from my account XX/XX/XXXX, but Capital One is unable or unwilling to provide a receipt from XXXX showing that they paid XXXX. I asked on XX/XX/XXXX for Capital One to re-submit the payment. As of XX/XX/XXXX XXXX still shows zero payment and is still planning to shut off my service due to non-payment from my bank. When I call Capital One they can not provide confirmation that the payment was re-submitted as was agreed to on my XX/XX/XXXX phone call with them, and they still can not provide any proof of payment from my initial bill pay request from XX/XX/XXXX. Yet the funds have been deducted from my account. When I ask representatives on the phone today ( XX/XX/XXXX ) to please just pay the bill, all they say is that there is an investigation and can not pay the bill today. 
This same issue happened with my electricity payment in XXXX. Capital One will not help me pay my bill, even though they deducted the funds. I asked Capital One to join me and XXXX on the phone together on a 3-way call to resolve the issue, and the Capital One representative on the call today ( XX/XX/XXXX ), refused to take part in that call.
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Actually never talked to this collector ERC and do not know what the debt is about. I have not heard from one of my creditors that this debt collector is taking over my debt. Called me several mornings between XXXX and XXXX. Tells me to call XXXX and give the number XXXX. I would like a list of debt collectors who are licensed to practice in Connecticut.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account has been paid in full as agreed. Item should be removed.
Product: Credit reporting or other personal consumer reports

I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation. It has been 30 days and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to obtain my credit report because I was denied for credit due to information contained in Equifax. I have attempted through XXXX  numerous times and also be paying directly on their website. I called and spoke with XXXX, a rep located in the XXXX call center who I asked to speak to a supervisor after being denied. My request was refused multiple times, as I was told they would have the same authority, and wouldn't be able to offer further help. I was placed on hold, and left without an answer. I have only had this issue with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Money , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over 200 points.

Happy Money, Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code.

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Product: Debt collection

Date Opened XX/XX/2005 ; Original Balance Amount : {$320000.00}. CIT BANK, NA reported to Credit Bureaus appearing as a Credit XXXX and held a consumer mortgage loan when it was false and provided misleading information. CIT BANK, NA was processing a counterfeit note involving a construction loan that was not my obligation which CIT BANK, NA is with information that they were attempting to collect a debt that was unsecured and procured by fraud. I filed a police Incident # XXXX, Case # XXXX, Classification XXXX XXXX, Identity theft. Account number XXXX. CIT BANK, NA has 10 days to produce loan application documents verifying it was the originating financial institution or was an entity that assumed a valid and enforceable not and or was servicing the original lender involved in a purported consumer mortgage loan pertaining to a real property purchase or refinance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXXXX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my Wells Fargo 2nd Mortgage account ( HELOC ) switched from a 12 month fixed introductory rate to a standard flexible rate. Per Wells Fargo, this rate change prompted a temporary erroneous reported balance increasing the amount by {$120000.00}. I contacted Wells Fargo to ensure the reported balance would be corrected and asked for confirmation that they would not report the erroneous balance to the credit agencies ; Wells Fargo verbally confirmed that I would not be impacted from a credit reporting perspective. 

On XX/XX/XXXX, Wells Fargo corrected the account balance amount crediting my account {$120000.00}. My Wells Fargo account has shown the correct balance ever since. The ISSUE is that contrary to what XXXX XXXX confirmed to me, they have in fact been reporting the erroneous account balance to all of the credit agencies. Since XX/XX/XXXX, I have been in contact with Wells Fargo several times in an attempt to fix this. A case was opened through the Wells Fargo Executive Office to address this and I received a phone call on XX/XX/XXXX, to notify my that the case was being closed and all actions have been taken to correct the issue. 

My grievance and concern is that the issue has not been resolved and I continue to be negatively impacted as a result of Wells Fargo 's inability to correct an issue they created. My credit score has decreased and I do n't know how else to fix this. As of XX/XX/XXXX, my HELOC account balance is {$11000.00} ; all credit agencies are reporting an outstanding balance of {$230000.00}. 

Ever since first entering into a relationship with Wells Fargo in XX/XX/XXXX, I 've felt that I 've been mistreated and taken advantage of as a customer. I was asked to open a checking account and verbally obligated to opt for automatic account payments in order to qualify for my mortgage. Earlier this month, I was finally able to cease automatic payments after Wells Fargo made another mistake debiting my account twice. 

This is all unacceptable and I am tired of being mistreated and negatively impacted by Wells Fargo. I have never experienced such a level of ineptitude and bureaucracy with a financial institution.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( XXXX, EQUIFAX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX