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

In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with TransUnion, XXXX and XXXX. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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
Product: Mortgage

I have dealt with Mr. Cooper recently thru you all, I have paid everything up to date. As of today they continue to claim that I still owe for XX/XX/XXXX which you will see in an attached spreadsheet that I am current and also paid a late fee. They have never worked with me/destroyed my credit and also continue to charge me the additional cost for home insurance which I pay separately {$63.00} every month since XX/XX/XXXX and they are also increasing my mortgage payment without any explanation. I have no choice but to continue with this company since my credit report is poor but I beg for some action to be taken for their neglect of any assistance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which are 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX for a XXXX XXXX. The amount of the purchase was XXXX and purchasing time took six ( 6 ) hours. 

But unbeknownst to me, the finance director had contacted several finance companies for financing and they all pulled hard copies of my credit report. The dealership ( sales rep or finance director ) didn't even inform me of what was taking place. I've heard of finance companies pulling soft copies of consumer 's report but not hard copies. This action by the dealership caused my credit score to drop approximately 15-20 points. I can't believe that they would be so desperate for a sale that they would bring down a customer knowing that it would negatively affect one 's credit. After leaving the dealership, I received several notifications from my credit monitoring company informing me of changes to my credit information. I logged into my account with XXXX  XXXX  and noticed that I had inquiries from the following banks, i.e., XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. These inquiries are damaging my credit report and I would like to have them removed. 

After finding out what had taken place and how the dealership went about making the sale, I was not happy with my purchase. I will not purchase a car from them again.
Product: Checking or savings account

FROM : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX DATED : XX/XX/22 PHONE NO : XXXX TO : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CT XXXX SUB : COMPLAINT REGARDING MONEY {$2500.00} STUCK IN THE CASH DEPOSIT MACHINE ATM ID XXXX RESPECTED XXXX, We are struggling to find a solution for our problem. We deposited cash {$5400.00} in atm machine on XXXX in the morning but atm machine accepted {$2800.00} only so this is your atm error. We counted {$5400.00} twice at home and in the car before deposit the amount to make sure right amount its big amount for us because I am the only one support my family from small a job. So, I claim on same day your bank financial XXXX XXXX XXXX XXXX {$5400.00} then they give us credit {$2500.00} but on XXXX the bank took my {$2500.00} from my checking account so u guys can check camera I come my wife to deposited {$5400.00} but after error or stuck money on your atm machine it accepted {$2800.00} only so my request is please refunding my money {$2500.00}. 
We are very disappointment with what happened, and we are strongly considering taking my business another bank. I hope you can change my mind by providing an adequate and satisfying solution to my problem as well as taking the necessary precautions to prevent such incidents in the future. 
Thank you for your understanding Your sincerely, XXXX XXXX XXXX & XXXX XXXX Account number : XXXX XXXX banking - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The name of the accounts are as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXXXXXX Acct # It does not provide the account numbers for these cases ; There is XXXX in total. 

15 U.S.C. 1681 section 602A states ; I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

604A section XXXX states ; A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Mortgage

On XX/XX/2021 I notified my mortgage company carrington mortgage that I need to go into forberance due to finacail hard ship due to covid.. they are not willing to work with me due to the balloon payment is due,, i tried even mortgage asst, refinance etc.. and still nothing from them
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed a copy of my credit report and noticed unrecognized and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$4200.00}
Product: Money transfer, virtual currency, or money service

XXXX said I can no longer link my PNC bank account. I am unable to pay for my rent now.
Product: Student loan

On XX/XX/23, I have submitted a loan payment from my bank for {$18000.00}. Even though that amount has been withdrawn from the bank, Edfinancial is now missing {$4200.00}. Their website is not indicating where that money has went. I have reached out to edfinancial for the last 7 months, called them countless times. I was only told to wait a week longer each time, the managers has also failed to contact me regarding this situation. I have submitted bank statements and full proof of the withdrawal. They have taken my money without subtracting the correct amount from the loan due. Also i can not submit more payments unless this issue is resolved and now my loans will accumulate interest.
Product: Debt collection

Upon checking my credit report. I see that your company is reporting that i owe a debt from the original creditor of XXXX XXXX XXXX. I do not know anything about this debt. I never had a XXXX XXXX XXXX  account and never will. I am a victim of identity theft and had one through different things to get my credit repaired due to these fraudulent accounts. I am asking your company to send the debt back to XXXX XXXX XXXX  so i can handle this personally with the company and not a collection agency that i nevered heard of. I will attach a police report to this also.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Mortgage

I request hardship help? XX/XX/XXXX. PHH mortgage services / Ocwen serving only offered Hardship Forbearance Plan for XXXX - XXXX XXXX at this date I will have to pay lump sum of {$2200.00}. I am afraid of losing my home because I will not be able to pay lump sum come XX/XX/XXXX. I had to agree because no other offer. Once again PHH / Ocwen is a predator servicing company. They never correct my escrow amount they are saying I owe {$130000.00} on my home I brought XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed this account to be removed off of my credit report a few times, but it keeps reporting. I have now received the proof that to has been canceled, forgiven and should be removed from my consumer report as if it Never Existed! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX, Texas Subject : Request for Removal of Account Due to Cancellation of Debt Dear Experian Dispute Dept, I am writing to formally request the immediate removal of a XXXX Card account from my credit report due to a recent XXXX, Cancellation of Debt, issued by the original creditor. 
Account Information : Creditor Name : XXXX Card Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX Card I have received a 1099-C form from XXXX Card indicating that the debt associated with this account has been cancelled. This cancellation of debt is a significant event and should be accurately reflected in my credit report. As the debt has been forgiven, the account in question should no longer be reported on my credit report. 
Please find enclosed a copy of the 1099-C form for your reference. I request that you update my credit report to remove this account from the Experian credit bureaus to ensure the accuracy and completeness of my credit information. 
Should you require any further documentation or information to process this request, please do not hesitate to contact me at the provided phone number or email address. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Form Experian Credit Report detailing this account
Product: Credit reporting

Experian continues to report accounts that are n't mine and credit reports I did n't authorize. I sent them settlement paperwork where I sued XXXX and they agreed to remove the accounts from my report. Experian has refused to do so. I have also had more fraudulent credit inquiries and am attaching a new police report. Experian 's online service would n't accept my police report and I 'm submitting proof of that as well.
Product: Checking or savings account

On XX/XX/XXXX I called bank of America to let them know their was unauthorized Charges on my account. Due To me losing my debit card. On that date they open my Claims For {$1000.00} and {$550.00}. I was told that I'm not responsible For any fraudulent or unauthorized charges according to the Zero liability policy. BANK OF America said I would have to wait 10 business days. On XX/XX/XXXX I was Credit the money back until my account. XX/XX/XXXX I goes into online bank to find that they put a $ -XXXX hold on my account. I had to wait until Monday to call because they weren't opened when I called due to the holidays. Not only did they tell me they was closing all my accounts but that they didn't have to tell me why. After being with them for about 3 plus years. It has been about 2 to 3  months of them telling me my accounts was being closed and that they mailed my check out. They have told me on two occassions that I could go pick it up from the bank but when I went to the bank it was a totally different story. I would call every couple of days to see if my accounts was closed and if the check was mailed out from them and they would keep telling me the same thing or giving me another date. So now I'm just out of {$1500.00}. I've been lied to and manipulated for 2 to 3 months just for them to tell me that my claim has been denied. They are telling me that I'm a liable and that they believe that the transaction was authorized. What am I to do from here?
Product: Mortgage

On XX/XX/2021, my mortgage payment of {$1000.00} cleared. On XX/XX/2021, a duplicate mortgage payment of the same amount cleared, which I was not expecting. On XX/XX/2021, I noticed the anomaly and immediately contacted my loan servicer, Homeloanserv, to correct the issue. The customer service agent was friendly, but they simply directed me to a support email address with instructions to submit a screenshot of my bank statement as proof and ask them for a refund. 

I did this right away, to which I received an automated response asking me to wait 5 days before expecting a response ( due to COVID-19 ). 

On XX/XX/XXXX, a new transaction appeared on the website for a refund, but it was left as In-Progress. By the end of the day, the transaction was updated to say that the transaction was completed, but I have yet to receive a refund. 

On XX/XX/XXXX, I contacted the company again via phone, and I was informed that they are only allowed to send refunds by a physical check in the mail. I received the tracking number from XXXX, and it looks like the check is supposed to arrive today by XXXX. 

Finally, on XX/XX/XXXX at about XXXX, the check arrived. I was able to deposit it and have {$500.00} in my account today while the remaining {$550.00} is on hold until the check clears. 

Also, it's important to note that the duplicate mortgage payment was a complete duplicate, as in I paid interest and escrow in the duplicate, not just principal as would be expected for any additional payments in a single month.