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

THE credit reporting agencies XXXX and XXXX are reporting a fraudulent account XXXX XXXX Account # XXXX is the original creditor and is now listed as XXXX XXXX XXXX ... ..this account was never reported to either XXXX  or XXXX ... .it was reported as a closed account only on EQUIFAX ... .and now they are reporting to the to other 2 bureaus as a collection and has dropped my credit score and I am in the process of purchasing a home ... .this is FRADULENT bs and this account should be removed and deleted immediately!! how are you reporting a collection that was never reported to either of the 2 bureaus to begin with and the account was Fraud! 

XXXX XXXX XXXX XXXX ( XXXX XXXX  ) no account number listed XXXX   XXXX XXXX XXXX ( XXXX XXXX ) no account number listed now how fishy does this sound ... ..this ACCOUNT IS FRAUD ... I am submitting the docs to prove it! I submitted my IDENTIY THEFT AFFIDAVIT in XXXX in 2019 ... I am attaching the documents now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF ED XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Product: Debt collection

Contacted them several times for validation of debt and received no response. Also notified the XXXX credit bureaus of the inaccuracy. In addition to that information i also found the following link in reference to this company .... 

https : XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in the Equifax data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the Equifax data breach, and a validation of debt letter.
Product: Debt collection

Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are causing significant damage to my credit file and are severely hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have resulted in immense hardships for me, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a comprehensive investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these accounts, I have proof I've disputed these accounts, it has caused me and my family hardship, I want to be paid for financial relief, hardship and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a formal complaint against Ditech in regards to XXXX program and I supplied all information that they asked, which was proof of my 1st lien being modified under the XXXX and other document that support the XXXX modification. Ditech did n't consider my information that I supplied and replied that XXXX XXXX XXXX XXXX XXXX did n't reported my 1st mortgage being modified under the XXXX. Therefore, Ditech refused to consider reviewing my loan for the XXXX because of the negligence of XXXX XXXX reporting information about XXXX program. I believe Ditech is not servicing my appropriately and they are hinder me from receiving my opportunity to government assistance program in reference to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX XXXX did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). I am a victim of identity theft and did not open said accounts on the word document provided below. I ask that all items provided on the document attached be deleted to correct my credit report so I can finally get approved for a car loan. Please note that I am submitting this request on behalf of myself. No third party is involved.
Product: Checking or savings account

My deposits should hit my bank on the XXXX of the month. A XXXX XXXX and XXXX deposits. 
Verified with XXXX and XXXX XXXX the deposits should be in our account on the first of each month. XX/XX/XXXX. I checked my account and there was no deposits. I made phone calls to US Bank. 4 times consistently being on the phone for several hours. This was the beginning of my frustration. 
The First call with the Bank personal told me no deposits were scheduled to be deposited, 3 days prior to XX/XX/XXXX and 1 day after XX/XX/XXXX. 
Second call was to the local branch they informed me that the XXXX number had more information and that is who I should be talking to. My third call was to the XXXX number again had of customer service person that could barely speak XXXX and understand told me that when I asked for a supervisor that the supervisor wouldnt tell me anything different than he. I asked again to speak with a supervisor. I ended up getting a supervisor she found out that I was supposed to be getting these deposits but at different dates then I had received in the past. and when it was released to me from the XXXX XXXX and XXXX XXXX after long conversation with this woman, she assured me that the deposit would be of {$850.00} in our account on XX/XX/XXXX by the end of the day. As of XX/XX/XXXX still no money has been put into our account. I did more research and found information showing when the deposits should be in our account I ended up calling again, a woman on the phone at the XXXX number was emailing communicating to her supervisor that I was saying and with no luck, they would not accept any information from XXXX  or XXXXXXXX XXXX showing where I would be getting my deposits placed on the first of the month. It appeared that they could care less What I had to say and with any documentation I had, They were only reading their information not even considering it could be an inputting error on their part. They could really careless of what I had to say. At this time i still have not received any deposits that were supposed to be deposited on the first of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, SSN, DOB are being used to open accounts fraudulently. Ive submitted documentation to the three credit bureaus and the accounts still remain.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 around XXXX XXXX  I recieved a scam call, it was an act now scam, and I fell for it. I lost {$500.00}. Even though I reported it within minutes after having a gut wrenching feeling, Chase Bank did nothing, said to call the scammers and ask for it back, and then told me to call back the next day. 

XX/XX/2022 : I called Chase back and reported it once more, I filed a claim and cited regulation E, they refused to reimburse me and said that I am only covered if I give out my personal information like email or Chase bank online access. Even though I researched that I should be covered for this and quoted regulation E, the claims specialist would not do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting several inquiries that are incorrect. I have not given consent for any of these companies to receive any information on me rather written or otherwise implied. If LexisNexis has proof these companies have a permissible purpose to receive such personal information provide it to me immediately. If you do not I will immediately sue you for damages. 

XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Prequalification XXXX Written Consent - XXXX  XXXX XXXX Inquiring Company and Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX - XXXX - New Accounts ( XXXX  ) XXXX XXXX XXXX XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Credit Application XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Credit Application XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Credit Application XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My account with GM FINANCIAL was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

GM FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
Product: Credit card or prepaid card

XXXX, order number XXXX amount of {$1700.00} XXXX, order XXXX, amount {$1300.00} XXXX, order XXXX, amount {$2100.00} XXXX, order XXXX, amount {$2900.00} XXXX, order XXXX, amount {$39.00} All of these were purchases and reimbursements from XXXX XXXX. Each was through my Discover card account. I have email from XXXX XXXX showing above stated refunds, but Discover is still charging me {$1500.00}.
Product: Debt collection

I am a victim of identity theft. In 2018 my social security card, identification card, birth certificate and other documents were stolen from my then address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXand multiple credit cards, bank accounts and more have been fraudulently opened in my name without my consent or knowledge. As a red my credit score has dropped drastically making it nearly impossible for me to obtain housing and repair my credit. I have submitted multiple disputes and filed a police report which I have attached to each dispute in an attempt to remove the fraudulent items that are now in collections. I am asking for all fraudulent accounts to be removed from my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, XXXX, & One Main. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX  representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Product: Checking or savings account

First Midwest bank now known as old national bank completely miss handled The situation, lost my funds, my E statements to go along with it, and refuses to do anything about it and its been over two weeks. Starting XX/XX/2022 I was no longer able to use my card and the remaining funds I had on it. XX/XX/2022 I could not access my online banking nor could I set up my online banking because of a system failure on their part. XX/XX/2022 I went to the bank next to the XXXX in XXXX, IL And it was the most awful service I think Ive ever had! Not only was I told that I was going to get back to you after being there for two hours no one got back to me and I was told that hopefully itll show up between a week and a month from now I have no funds to feed my children no funds for emergency cases And I have no card to use. Ive tried getting in touch with people higher up but the people at the branches make it much harder to do so. Ive been crying for a while now I feel like theres no end to this my money is lost and no one is willing to help me
Product: Checking or savings account

Noticed i was being charged overdraft and fees when my money was showing in my account and being over charged for using XXXX.
Product: Credit card or prepaid card

The attached letter reflects If you have questions about this issue, please call XXXX at XXXX, extension XXXX. I called 5 days ago and have yet to receive a return call. I wanted to discuss several other points in the letter. The letter also reflects We investigated and found the account was valid because we received payments from accounts in your name. You later confirmed that the account is valid. Yes I made payments on my card but not the payments that bounced in XXXX that allowed the credit limit to be exceeded. The letter also reflects Due to retention timeframes we are not able to confirm how the phone number was updated. This should have been investigated in XXXX so the timeframes would not have been relative. The letter also reflects However, once an XXXX is returned because we were not able to locate the account, we suspend that checking account for future XXXX usage????????? This isnt correct. There were multiple large fraudulent payments. The letter also reflects You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. This makes no sense. My account, fraudulent payments, and Chase wants to keep the thief private. The letter also reflects On XX/XX/XXXX, you mention that you knew the person that used your card and on XX/XX/XXXX, you stated that the suspect might have used to card for purchases on your behalf. Due to retention timeframes we are not able to provide you with a summary of the call from XX/XX/XXXX. I knew the person who I listed on the sheriffs report. This is a problem of recording calls or interpreting what someone is saying. I stated I didnt know what she purchased. I thought the question was idiotic.
Product: Debt collection

On the call with Southwest Credit Systems, they repeatedly refused to provide a valid dispute email and attempted to obstruct the dispute process by insisting that the dispute must be mailed to a po box . When pressed on their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ), they escalated to a XXXX, who ultimately hung up rather than comply with the law.