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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}
Product: Credit reporting

A company under a name of XXXX has an inquiry on my trans union credit report and there 's no way to remove it according to trans union online portal. This was a result of identity theft issue.
Product: Mortgage

AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied being added on to my company 's checking account. My Chex Qualifile report says I have an unpaid closure, but gives no information as to who that bank account was with, the amount owed, or any other information that would allow me to investigate the issue.
Product: Credit reporting or other personal consumer reports

I went to XXXX  on XX/XX/year> and was recently released. The only banks that I have are XXXX and XXXX  XXXX XXXX. But on my credit report, I have active and open accounts that I know nothing about. Ive never had a XXXX XXXX  account. Ive never had a XXXX XXXX XXXX  account. Ive never had a XXXX XXXX XXXX account either. Yet all these things are on my credit report. I filed dispute letters with all 3 bearus weeks ago and have not received any results.Ive got open loans in my name that I did not authorize. I dont have any open loans, not with speedy cash. Not with mobile loans, Im not in school. I dont have any school loans either but thats also still I my credit. I am a victim of IDENTITY THEFT Can the inquiries and accounts that I did not authorize please get removed? 
Police report number - XXXX
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX - XXXX {$66.00} - I Disputed account no response from company Creditor : XXXX XXXX- Balance {$190.00} I disputed account no response from company Creditor : XXXX XXXX- Balance {$210.00} I disputed account no response from company Creditor : XXXX XXXX XXXX - Balance {$290.00} I disputed account no response from company
Product: Credit card

I used my earned rewards points to redeem for three XXXX XXXX XXXX. Two of the three cards did work the third card ( valued at {$100.00} ) said the code was not valid. I called XXXX first and their response was this code was never in their system, they checked the other two codes and they both did work. I called CitiBank to have the third code fixed and they said absolutely we will send you a new one. I waited 15 days and did not receive anything so I called back they told me that the issue was under investigation and to call back on the XXXX. I called back today the XXXX of XXXX and after talking to multiple representatives was told they could not refund my point balance enough to be able to redeem for a replacement gift card. I was told I could ask again in 6 months.
Product: Debt collection

MCM is the company that has been harassing me and my family. They've called my sister on numerous occasions. They've called my mother. I've called them and told them to cease and desist... It appears as if they resubmitted my debt as if it were new this year, and they started contacting me and my family again. I again sent a cease and desist phone call. And now my sister is just received yet another phone call.. has been going on for 3 years at least probably more like five. 

Like I said they have just contacted my sister for the fourth time in total. I had been in contact with them previously. I received the letter that they sold my debt.. and then I received another letter shortly thereafter that they've purchased my debt. Or at least as far as I can tell.. credit karma is not very descriptive so I had to suss everything out myself. 

Midland credit Management is who I'm referring to. 

The photo I provided as a screenshot of my sister 's phone... not really very helpful whatsoever but that's the number they contacted her from. 

According to her they asked for me. She asked what it was regarding, they said nothing. She asked if it was medical. They said they couldn't say and then she asked if it was financial and they alluded to her that It might be and " it is in my best interest to speak to them '' they insisted that they speak to me.. and literally asked my sister to find me and give me the phone to speak to them while she was at work. 

We no longer even live in the same house. We only share our last name.
Product: Credit reporting or other personal consumer reports

There are several accounts being reported as delinquent or as closed acccounts and that information is not accurate. 

these accounts do not belong to me and need to be removed its a clear case of identity theft. 
XXXX XXXX XXXX The XXXX XXXX/ XXXX These accounts have been disputed numerous of times and these bureaus have failed to remove the inaccuracies, placing a burden in my life.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : MY NAME IS XXXX XXXX MY FORMER MARITAL NAME WAS XXXX XXXX  ( DIVORCE ORDER AND NAME CHANGE IS ENCLOSED ) Names to be removed : XXXX XXXX XXXX Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Social Security number to be removed : LAST XXXX XXXX THIS NUMBER DOES NOT BELONG TO ME ( Enclosed is a copy of my Social Security Card ) Employers to be removed : Consultant XX/XX/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 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 Under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of the information resulting from identity theft. This action is essential for preventing further harm to my credit and financial standing. 

I kindly request that you investigate this matter promptly and initiate the necessary steps to block the unauthorized information from my credit report. Additionally, please provide me with a written response detailing the actions taken to resolve this dispute. 

Enclosures : [ List of enclosed documents, such as identification, XXXX document for name change, police report number, XXXX name and phone number, and FTC report ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

In XX/XX/XXXX I was notified by an identity protection provider that several credit cards were opened or attempted to be opened in my name. 
On or about XX/XX/XXXX, I was contacted by XXXX police department that my personal information including my Social security number, a credit card statement and other personal information was obtained during a search of a residence in XXXX  XXXX. I filed a police report with the XXXX Police Department on XX/XX/XXXX. Police report # XXXX. I reported there were 11-12 attempts to open credit cards in mine and/or my wife 's name. 
XX/XX/XXXX I faxed all of the information to Barclay 's for the first time. 
That information included the XXXX policy report # XXXX. 
On or around XX/XX/XXXX, I received a restitution letter from XXXX XXXX XXXX, District Attorney, XXXX XXXX XXXX XXXX XXXX, State of Oklahoma that I was a victim of a crime. Case # XXXX State of Oklahoma XXXX XXXX XXXX XXXX XXXX I filled out the Itemized restitution request letter informing them that a XXXX rewards credit card issued by Barclay 's Bank had been taken out and purchases in the amount of {$980.00} were made on the card. 
The card in question I later received the credit card at my residence. 
I contacted Barclay 's bank with the assistance of XXXX from my XXXX XXXX XXXX and informed Barclay 's the card was taken out fraudulently and I wanted it investigated. The card was placed on suspension and was investigated. I received a letter from Barclay 's that after investigation, they concluded the card was not taken out fraudulently. 
I have sent Barclay 's the police report 3 times. Two times via fax and 1 time regular mail. A copy of the restitution letter from the District Attorney and have called Barclay 's approximately 25 times explained the situation and every time it's the same response. 
I'm told it will be investigated and in a few days I received a letter explaining that they have concluded their investigation and no fraudulent activity found. 
The entire ordeal included approximately 17credit cards being taken out or trying to be taken out in mine or my wife name and SSN.

Barclay 's is the only card remaining that has not recognized the illegal activity in my name
Product: Checking or savings account

I noticed XXXX unauthorized transactions on my account, I then reported these XXXX transactions to Capital One. A claim to dispute the charges were filed, after 4 days of filing my claim it was denied. I then filed a rebuttal ; requesting a reconsideration of my claim and provided a copy of my police report letting Capital One know that my card information was compromised and/or skimmed. My claim was again denied. XXXX not sure why the bank is denying my claim for these fraudulent charges. Account ending : XXXX
Product: Mortgage

It is due to great concern that I am filing this formal complaint against Specialized Loan Servicing LLC. Im writing to inform you that despite numerous opportunities to give me an explanation as to why my escrow has been increased, I paid it in full to them anyway with out delay. It was sent to them on XX/XX/XXXX and cleared my account XX/XX/XXXX. The shortage payment showed on my XX/XX/XXXX-XX/XX/XXXX statement. Despite making this payment they have still yet to apply it to my escrow and have been utilizing my on time payments to pay into the escrow now telling me that because my payments are not sufficient, they now are suspending them and not paying anything. You can see the details of this on my XX/XX/XXXX statement that is now showing a payment owed of {$3800.00} vs. {$1700.00} payment I have always paid. Whats even more disturbing is that the only thing that has changed is that my taxes have gone DOWN. My taxes have gone from {$3600.00} to {$2800.00}. Again, no one can explain to me why I now have the shortage. Also, doing the math they said my shortage was {$650.00} but if you add the difference of what they are charging me monthly at {$230.00} X 12= {$2800.00}! Who is doing the math over there? Im very very concerned as a consumer and concerned that they are carrying my loan. None of this makes any sense and they can not explain it to me. Despite calls to them in XX/XX/XXXX, XX/XX/XXXX and the latest XX/XX/XXXX for nearly two hours. Your help with this is truly appreciated. I have attached proof of the following : *escrow shortage check clearing *Taxes going down *Insurance staying the same *My payments being made on time *the escrow shortage request *their continued demands in their statements of charging me like the shortage has still not been paid
Product: Mortgage

To whom may concern I am emailing you today because I received a check in the mail for {$10.00} in regards to the XXXX XXXX XXXX lawsuit that was settled. I am not happy with this settlement I have been put through XXXX these past 5 years trying to find a home because I was forced out of my home and was caused pain and suffering and also went through a financial disaster I have been struggling ever since because of XXXX XXXX XXXX. 

I'm also very mad because I just found out about this lawsuit with this check I received. I want to know why did it take so long for you guys to contact me that there was a lawsuit against XXXX XXXX XXXX XXXX. I Want more then {$10.00}. I want my life back. I want to file a lawsuit and get allot from these people who put me and family thru XXXX. I was harassed every day 20 times a day. I was told that if I did not pay I was going to jail they were going to have me arrested when I told them I couldn't pay and said I needed to move out in 10 days or I was going to have my possessions garnished. So we were rushed out and they continued charge me mortgage and fees after months of being kicked out. Please help me get my family 's life back. 

More then welcome to email me back or call me anytime. 
XXXX XXXX XXXX ( husband ) XXXX Thank you ' Sincerely, XXXX XXXX & XXXX XXXX
Product: Mortgage

I paid off a HELOC that I'd had with Bank of America N. A. by opening a new HELOC at XXXX XXXX XXXX. 

XXXX sent a payoff check that was received by Bank of America on XX/XX/XXXX. The check amount exceed the principal and interest due by {$650.00} Bank of America entered that amount as a Credit Balance Refund on XX/XX/XXXX. 

18 days later I called Bank of America to ask about the status of the refund check and was told that it could take up to 30 days for the check to be released. 

Effectively, Bank of America is borrowing MY money at zero interest. This is clearly wrong ; Bank of America ( and any bank in a similar situation ) should be compelled to refund such an overpayment immediately.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX XXXX line of credit my business name is XXXX XXXX XXXX XXXX, business address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. XXXXIs the supervisor, I received a letter of denial that stated business address could not be identified. But they where asking me for my personal address information to upload in there system I sent in 2 form of my personal address bills one from XXXX and one from XXXX and they denied. I also connected my business bank accounts to there portal to validate my business They havent given me any good reason why my application was rejected only my business address is not identified which is false my business address is registered with government officials, banks, etc, I also have a personal account with American Express, they were very rude and talk aggressive over the phone to a customer also a client.
Product: Debt collection

I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help
Product: Credit card

Recently opened a PNC XXXX XXXX XXXX, Approved for XXXX. The person who did my application over the phone told me I could speak with another dept to have my limit re evaluated as I am closing another credit card that this will be replacing. That department turned out to be closed so the next day I was advised by the closed departments manager that my limit could not be reconsidered since it was not the same day I was approved. Which I believe is not fair! Also I realized that in XXXX, You can not make payments via the app unless I have a PNC account is UNACCEPTABLE. This has be strongly regretting my decision to pursue this account.
Product: Checking or savings account

I am writing to you regarding fraudulent activity on my debit card and savings account. 
I would first like to mention my debit account is now closed since that claim has been completed. I mention it in this document as it correlates to the second claim. 

Claim No. XXXX was opened. Fraudulent amount {$140.00} ( bank info attached ) Claim No. XXXX was opened. Fraudulent amount {$960.00} ( bank info attached ) On XX/XX/XXXX someone walked into the BOA XXXX XXXX in downtown XXXX, Texas claiming to be me. They deposited a fraudulent check in the amount of {$960.00} and immediately withdrew {$140.00}. ( bank info attached ) Claim No. XXXX was opened as a result of the above. BOA immediately applied a chargeback fee and took out {$520.00} from my savings account. ( bank info attached ) In addition, I am attaching XXXX XXXX XXXX letters received from BOA. The XXXX letter dated XX/XX/2022 informs us that the investigation is complete and that there is no loss to us. They reference XXXX but I believe it should be XXXX. I have since received the {$140.00} and have closed this account. The fraudulent deposit of {$960.00} was debited from the account. 

The second XXXX XXXX letter dated XX/XX/2022 informs me that the investigation is complete and that there is no loss to me. They reference XXXX. We have made numerous phone calls to the BOA fraud dept and have spent numerous hours talking to the fraud specialists but with no successful outcome. 

Both these letters ( attached ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account. There has also been a case opened with the XXXX Police Department to view the video footage of the perpetrator and press charges ( Case # XXXX ) I would like to get this sorted ASAP so that my funds ( {$520.00} ) can be deposited back into my saving account.
Product: Mortgage

Through the HSBC Bankruptcy Department I have been making mortgage payments since XXXX. I received a letter dated XXXX XXXX, XXXX from HSBC that the Life Insurance coverage for my mortgage has been terminated due to Past Due Insurance premium remittance. The optional life insurance premium is a part of my mortgage payment that I make monthly so how is this premium past due? I have been contacting them since XXXX XXXX to get some sort of resolve through the HFC Research department. They have sent to me useless and outdated information in the form of a history of my account, and in no way addressed this matter. I have no other recourse but to involve this agency to assist me in resolving this matter.
Product: Credit reporting or other personal consumer reports

Experian has not attempted to remove nor correct any inaccurate information on my credit report. I am requesting that these derogatory remarks be removed or corrected immediately, as they are affecting my ability to purchase a home and a car. Experian is violating my rights as a consumer, as well as federal laws. 

I filed a dispute with Experian regarding inaccurate and unverifiable information on my account XXXX credit report, specifically the following accounts : XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Duplicate Entry ) Account Number : XXXX Despite my formal dispute, Experian failed to conduct a proper investigation or provide a resolution, violating the Fair Credit Reporting Act ( FCRA ). I have recently been informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for similar issues, including accepting unreliable information and failing to properly handle consumer disputes. 

These inaccuracies on my credit report are preventing me from securing a home loan and purchasing a vehicle, significantly affecting my financial stability. Experian has failed to remove or correct these errors, despite multiple attempts on my part to resolve the issue. 

Desired Resolution : I want Experian to immediately conduct a thorough and fair investigation, remove the inaccurate accounts, and provide written confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you closed my complaint stating you sent my complaint to the furnisher and you do not owe me {$2000.00} under the Fair Credit Reporting Act that it is against the law because it is your responsibility to make sure furnisher send you correct information. Within 30 days send me your lawyers name and address where I can send lawsuits.
Product: Debt collection

On XX/XX/2019 my husband recieved a phone call from XXXX XXXX court house in XXXX sc saying that he had a case against him from a debit collector that he didnt pay and that if he didnt pay it he was going to jail. So he called the number back and it was the XXXX XXXX house but know one knew what he was talking about. So then today a lady calls him from a debit collection agency for the first time and told him that he needed to pay XXXX for a tablet that he leased from XXXX 6 years ago and if he didnt he was going to jail. And he tried to talk to the lady and tell her that he didnt have any money now but he would Monday. And she says he can give her the info for a post dated check for Monday XX/XX/2019 and she want put it through until then and he said no I'll call you Monday and give it to you when I know the funds are in my account. She told him no nevermind I'm going to go ahead and process this and your going to go to jail. I told him I was pretty sure it is a scam. Debit collectors dont do that. So I call the number and I asked for their information and license number and the woman would not give it to me. So I call the accually company that he owes money to, and left a message for them to call me. I'm waiting on that phone call back so I can figure out if this is legit or a scam. The company answered the phone saying the name of the company was premier holding company. There phone number is XXXX. Which per XXXX it's a Texas number, but other than that I cant hind out any info on this so called company. Can you help with this?