23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have made many attempts to contact Transunion to remove the XXXX account from my credit file. This account does not belong to me. I have been a victim of identity theft and Transunion is reporting several addresses that do not belong to me as well. These address includes XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX, XXXX, ID XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a recent incident of identity theft that has led to several fraudulent entries appearing on my credit report. These 2 accounts and 2 inquiries were added without my knowledge or consent, and I am requesting their immediate removal to correct this issue. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and request that you promptly remove these fraudulent items to maintain the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate mortgage reporting late that I re financed and paid off on time. The lender has it on time with Equifax reporting on the payment legend every month but then marked it late on the payment status as 90 days late, it is totally wrong and hurting my credit. Pleased see that this gets handled ... ... ... ... XXXX XXXX. 

This could be very embarrassing for me with my employer XXXX
Product: Credit card

XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of TWO personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I received a past due charge on my mortgage from Ditech Financial. I contacted them on Thursday XXXX XXXX. I was told " I received the late fee because my mortgage was paid too far ahead. '' I asked how that was possible and they said it was because they had mis-applied the funds. There have been no missed payments, they withdraw the funds every two week from my checking account. They said they would " waive '' the late fee, but could n't guarantee that this would n't happen again, because the mortgage was paid too far ahead. As of XXXX XXXX, the late fee has not been removed from the account.
Product: Student loan

I ca n't get in contact with this servicer! My pay date is coming up and I am unable to pay it due to the technical difficulties on their end. Why should I be penalized because their technology does not work?! They 've already destroyed my credit for reporting my student loans without my knowledge and by not letting me know my repayment terms. 

What they do is put their information about repayment on their site and make you sign up for it. So, if you have not received any notification or mail from them ( you 're automatically on an e-bill only cycle ), you 're XXXX. You have to register an account with their site to see any notifications. I did not even know who my servicer was until 120 days after my bill was due! This servicer XXXX. They denied my income repayment request, in an attempt to drop my payments from a ghastly {$500.00} a month ( well over XXXX % of what I take home a month! ). I had to call late to work and beg these XXXX to not to destroy my credit even further and I finally talked them down to a temporary forbearance and a repayment plan that worked. This took 7 hours. They denied my credit fix request outright because they think I 'm supposed to be psychic and know that I had to pay the loan XX/XX/XXXX when they did n't even contact me until XXXX XXXX! Now my credit is XXXX points less than it was and I do not even know how to proceed to fix it.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XXXX but the reporting states status updated XX/XX/year> account name : XXXX  XXXX  XXXX  Account Number XXXX XXXX
Product: Checking or savings account

I am writing to raise a complaint with the Consumer Financial Protection Bureau ( CFPB regarding my Bank of America account issues. My Bank of America bank account has been closed due to stolen funds resulting from fraud claims, and I have been informed that I can not withdraw my funds directly. I am being instructed to wait for Bank of America to mail me a check, which is causing significant inconvenience and distress.

Moreover, I have submitted claims related to the unauthorized use of my funds, which have been unjustly denied. Bank of America is asserting that someone known to me has accessed my funds without my authorization. However, I want to clarify that I have not given permission for anyone to utilize my bank account funds. It is deeply troubling that Bank of America has rejected these valid fraud claims despite the evidence clearly indicating fraudulent activity.

My primary goal is to access the remaining funds from my closed Bank of America account at a bank branch. This complaint is being lodged to address the hurdles preventing me from withdrawing my funds and the unjust denial of legitimate fraud claims.

I am seeking assistance in resolving this matter swiftly and reclaiming the funds that were stolen from me. Your attention to this urgent issue is greatly appreciated. Thank you for your help in rectifying this situation.
Product: Money transfer, virtual currency, or money service

I didnt receive my money back from an order I placed
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.
Product: Debt collection

My insurance company has paid the amount in full and proofs with check number and documentation have been submitted to Collection agency but still no resolution despite requesting multiple times. Also the collection agency confirmed with insurance company that amount has been paid in full on XX/XX/year> with check number but XXXX XXXX has not removed the remark from my credit report. 

I have submitted all the proofs per demand which are available if need to submit.
Product: Debt collection

XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs. 
XXXX  charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX   supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been keeping a close eye on my credit report because I have been a victim of fraud. Experian is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Experian letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Product: Credit reporting 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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

Upon requesting validation of the account XXXXXXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX  ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.
Product: Credit card

Ive have called the following credit card companys XXXX, XXXX and indigo several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from XXXX that I would it via email and have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted documentation to XXXX XXXX, XXXX, Equifax and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.
Product: Debt collection

I recently seen a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent from my credit report as soon as possible.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited Technical Issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

I was on a repayment plan with Loancare and called on XX/XX/XXXX to try and make a payment. I was then informed that they never received my XXXX payment ( which was very confusing ) and that I was kicked off the payment plan in XXXX. I escalated the call to a supervisor name XXXX and was informed that my payment arrangement was setup incorrectly and that some of the money went into Escrow instead to my payment. I was then informed that he was going to correct the mistake and place me back on a payment plan. He will call me back shortly. I called back the next day just because something was telling me to make a payment anyway. When I called back I was informed that I shouldnt make a payment because they didnt want it to go into Escrow again and make things worse, to wait until XXXX called me back and he will fix it. I was told that XXXX was going to make sure it didnt go into Foreclosure ( per his notes ) and was going to call me by Tuesday. When I didnt here from XXXX XXXX called him back on Wednesday. He informed me that my account was sent to Foreclosure on XX/XX/XXXX and the only options that he could provide me was to do Loss Mitigation or come up with two lump sum payments which I agreed to the 2 payments. He called me back and informed me that XXXX XXXX from the default resolution department would be calling me to get the 2 payments set up and to place the XXXX payment on a payment plan. I never received a call from her even though she noted that she called. I called back on a Monday and she informed me that she cant do the 2 payment option. I asked her why did they even give me that option if they werent going to honor. I called back to try to escalate the call again just to see if they would honor what they told me. I spoke to a supervisor in collections name XXXX, she read over the notes and told me not to worry about it she will get it all straightening out. She said she will either have XXXX call me or she would. I havent received a call from neither one. Every time I call no one return my calls. I feel like all this was done on purpose to make me lose my house and put me into Foreclosure.

Loan # XXXX
Product: Checking or savings account

XX/XX/2019 XXXX I walked in to wellsfargo bank to dispute some on going charges that I did not give any say so on my accounts ... there were muilt accounts opened and transferred to without my perimison ... I ask to dispute them I received paper in the mail saying there is no further investigation for my wells fargo that its been a charge off account for XXXX dollars
Product: Credit reporting or other personal consumer reports

I have filed numerous complaints on experian XXXX and XXXX for not following reasonable procedures in regards to blocking deleting XXXX XXXX from my experian XXXX and XXXX XXXX XXXX filed XXXX ftc report and sent numerous dispute letters In regards to XXXXXXXX XXXX account from credit reports.on XX/XX/year> this account was removed from my credit report and my score went up XXXX points.on XX/XX/year> the credit agencies added it back on my credit report and my score went down 96points.they violating my federally protected rights and I need your help protecting my rights.i am attaching proof that XXXX experian and XXXX removed XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer reports on XX/XX/XXXX and added it back on XXXX XXXXaccording to section 605 6 ( a ) ( a ) they have duty to not to add items back on my report after removing them for identity theft.please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I'm trying to purchase a home for my 4 kids before XXXX XXXX.please help me.theybare causing much stress and XXXX  XXXX  from violating my rights.i really need you to step in and help protect my federal rights under 15 usc1681c-2 in regards to blocking this account I am a victim of identity theft and several data breaches.ive files ftc report which I'm attaching as proof as well as the dispute letter I've mailed to all 3 bureaus numerous times.
Product: Mortgage

We worked out a loan modification which took six years and the bank refuses to remove what they call late payments. Payments were not made because of a dispute with the bank. Once we signed the new agreement we made our payments timely. The bank refused to lower my interest rate and because they refuse to remove what they called late payments I can not refinance with someone else to lower the rate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I was tenant at XXXX in XXXX XXXX  XXXX from XXXX, XX/XX/XXXX to XXXX, XX/XX/XXXX. I have tried multiple times to get this debt removed as I dont own this debt. The problem is that when XXXX was transferring management it happened to be the same month I was moving out ( XX/XX/XXXX ). I reached out multiple times to make sure there was nothing I needed to do and they said everything was good. On XX/XX/XXXX I had a impact to my credit and attempted to dispute they declined so I went to XXXX and advised I never had debt with them and everything was paid off. They advised I didn't put my 60 day notice but I had a email ti back me up they said they would look into it and get back with me. After the 2nd attempt with XXXX they were able to provide me a breakdown of the debt : past due rent, damages, and internet past due. I never once got any notification of this debt where I provided my forwarding address and email. It went straight to collections and is affecting my credit and preventing me from buying a home. When in fact I have always paid all my bills and taken good care of my credit. I tried to go to the XXXX and explain the situation where they would ignore me even tho I showed the proof of every payment and videos. The assistant manager had no other choice but to get the regional manager involved and would reach out to me. XXXX stated theres nothing we can do, that is what avion left. They in fact didn't reach out but when I called back they advised me regional manager said to contact the XXXX XXXX. I attempted them multiple times as well and nothing. I got confirmation from XXXX as well since they are my current providers that the balance was {$0.00} on there end as well. Below I attached certified mail, letters and bank statement to confirm everything I have tried. They need to remove this debt and stop having be go in circles with the same answer pointing fingers while I am being defamed and unable to purchase a home. I am mother and I work very hard not being able to purchase a home for my daughter and having to move back in with my parents has affected my mental health. Its really sad to see my credit being affected for something that is not true. The XXXX needs to be looked into because I am not the only person I attached other people that are having the same issues, I wouldn't be surprised if there are many more people.
Product: Debt collection

On or about XX/XX/2016 I contacted the XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XX/XX/2016.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I have never authorized them to report on credit report nor have I did business with them
Product: Student loan

I have been in dept with this company for over ten years. I have deferred my options and explained my income. I am not in the position to pay them what they are asking. The whole world knows that the US advices you to go to college, take out this great dept if your parents arent rich, and some how pay them back. When companies offering a job are only offering a XXXX starting income. They have taken my taxes, harass me daily with calls, and stresses me out beyond day to day. I am a single mother trying to provide. For my mother who is not workin, and my grandmother as well. I just dont have the money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX