23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Self Financial Re : Identity Theft Dispute - Consumer Financial Protection Bureau Complaint Case # XXXX Dear Self Financial Team, I am writing in response to your letter dated XX/XX/2023, regarding the identity theft complaint I filed through the Consumer Financial Protection Bureau XXXX CFPB ), Case # XXXX. I appreciate your prompt attention to this matter, but I must express my dissatisfaction with the outcome of your investigation and the continued reporting of fraudulent accounts on my credit report. 

I maintain my position that I am a victim of identity theft, and your assertion that the XXXX XXXX Account and Self secured credit card were opened by me is inaccurate. I have provided ample evidence to support my claim, including a police report, a Federal Trade Commission ( FTC ) affidavit, proof of my identity, and evidence demonstrating that I am not associated with the address on file. 

In light of the information provided, I must assert that Self Lender is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA outlines specific obligations that creditors must adhere to when reporting information to credit bureaus. Among these are the requirements to investigate disputes and correct inaccurate information. By continuing to report these fraudulent accounts despite my evidence, Self Lender is in direct violation of the FCRA. 

Furthermore, the following laws are relevant to this matter, and I expect your company to comply fully : XXXX. **Fair Credit Reporting Act ( FCRA ) ** - 15 U.S.C. 1681 et seq. 
XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** - 15 U.S.C. 1692 et seq. 
XXXX. **Identity Theft and Assumption Deterrence Act** - 18 U.S.C. 1028 XXXX  **Privacy Act** - 5 U.S.C. 552a XXXX. **Electronic Fund Transfer Act ( EFTA ) ** - 15 U.S.C. 1693 et seq.

I demand that Self Lender take immediate action to remove the fraudulent accounts from my credit report and cease any collection activity related to these accounts. I expect full compliance with the FCRA and other relevant laws within 5 business days from the date of this letter. Failure to do so will leave me with no choice but to pursue legal action against Self Lender for the violation of my rights under these laws. 

Enclosed with this letter, you will find copies of the police report, FTC affidavit, proof of identity, and evidence of my non-association with the reported address. I urge you to review this evidence carefully and rectify this situation promptly. 

I trust that you will treat this matter with the seriousness it deserves. I anticipate a swift resolution to avoid any further legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with Experian and XXXX. which i decided to report this to you for help, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it. 

I am looking for an immediate remedy and sanctions against this company and the Nation Credit Reporting Agencies for violation of The Fair Credit Reporting Act XXXX. 

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card- Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$600.00} No. of Months ( terms ) : 0 0 0 High Credit : {$640.00} Credit Limit : {$0.00} {$500.00} {$0.00} Past Due : {$600.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Account closed at consumer 's request Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I have had this loan for several years. I sold the home in XX/XX/2018. I had an impound account with approx. {$3700.00}. DiTech Claims they sent the check last XXXX ( 2018 ). In XXXX, I contacted them to let them know I have not received it. I have contacted DiTech at least 5 times over the last two+ months. I have promises to refund 7-10 days with no results. At one point they say their bankruptcy prevented them from reimbursing me. I have now had two supervisors promise to do an automatic deposit within 3-5 days ; both have failed to deliver. I just want MY money which I believe was held in a fiduciary relationship. Can you help me get my money?
Product: Credit card

My Macy 's cards were stolen. I was successful in getting the fraudulent purchases removed from my credit reports. The company opened XXXX new cards for me. 
Recently, in retaliation they closed XXXX of my new cards. A customer rep maintained that I requested this action. I did not initiate anything resembling this. 
My payment records are perfect, and the retail staff was not authorized to close this new card. They were expected to send me a new replacement card, which they never did. 
This is an act of discrimination.
Product: Debt collection

I sent certified letters to them explaining that I have no idea what this was and that this debt was not mine. They could not verify that it actually belong to me yet they refused to remove the negative info from my credit report. I have yet to establish any credit but would like to start but can not because of the wrong info on my credit.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  XXXX. - XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Debt collection

During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.
Product: Debt collection

Did not receive notice of the collection of this debt, nor did I receive any notice of being able to dispute this debt. This debt is showing as a negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}. Those two accounts are fraud. 

Thank you.
Product: Credit card

I am reporting Alphaeon Credit for predatory business practices and for failing to disclose clear information about their promotional plans. 

In XXXX, I saw a dentist to help treat my XXXX  XXXX who recommended XXXX. My insurance covered only a portion of it, so {$4500.00} was left for me to pay. The dentist opened a line of credit through Alphaeon to finance the procedure. For over 2 years, I have diligently made payments to Alphaeon, reducing my payment down from {$4500.00} with interest to a little over {$1800.00}. 

However, in XX/XX/XXXX, my balance had skyrocketed to over {$4000.00} again! Confused, I contacted Alphaeon to find out if this was a mistake. But it wasn't. Apparently, the " promotional plan '' I had unknowingly been under had ended, and I hadn't paid off the balance in full. Granted, I'd had no idea about this plan. I told the representative such, but all he said was it was in my monthly statements. 

The problem is, I barely read my paper statements! I just pay online, for the most part, and whenever I did open them, it was only to glance at the first page with the amount due and remaining balance, every so often. 

I explained to the representative that they have access to my phone and email, and that they have sent me emails and text messages in the past to inquire about any late payments. Why hadn't they notified me of this promotional plan through text or email, warning that the end of the plan was near and what the consequences are if I don't pay the amount in full by the due date. 

The only answer I received was that I should've read my statements, and that it can't be reversed. 

This is absolutely outrageous and extremely predatory. I worked hard to get that bill down and to think I have to start all over again over something I had no prior knowledge of? Something I wouldn't have even chosen had I known about it? Alphaeon Credit should not be allowed to take advantage of its customers this way, and they should not be allowed to operate with so little transparency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.
Product: Credit card or prepaid card

I have had my Chase XXXX XXXX credit card for several years and was never late on my payments. I missed the XX/XX/XXXX minimum payment of {$35.00} but paid {$500.00} which Chase received on XX/XX/XXXX. I called the automated system to see what my remaining balance was. I currently owe {$190.00}. The automated system said that the account was closed. I spoke with a customer service representative and was told that because I missed the XX/XX/2020 payment of {$35.00}, my account was closed by Chase. I paid more than the minimum payment due and they have the nerve to close out my account during the COVID-19 pandemic.
Product: Debt collection

an unknown account that is not mines have damaged my credit as well as been reported in error. this account is mine, they also removed it back in XXXX because it is not my account and said they would remove all my information from their databases and Credit bureaus but today XX/XX/XXXX and debt collector by the name of CREDIT MANAGEMENT L, this is not identity theft and is going against the fcra i want this removed immediately FOR GOOD
Product: Credit reporting or other personal consumer reports

you can not view your report on the website like others i. will upload all you get then you can request a copy which takes 30 plus days by then frauds already published
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged
Product: Credit card or prepaid card

The account was running late as my husband had not been responsible with credit card. 

I am an authorized user on the account, which means my credit tanks with his. I reached out to CitiBank and asked for the payoff from a representative, I paid that amount in XX/XX/2018. The account was closed, so to my knowledge, that was all we had. 

This morning XXXX XXXX ... I receive an alert from XXXX   app advising of a finance charge of {$5.00}. I immediately log into my account and see that they have charged me additional fees and reporting late balances. 

I called into customer service to let them that I wasn't aware of any fees, seeing as though the account was paid off. I asked them to remove late charges because I wasn't aware of the issue. They refused and still couldn't guarantee that I wouldn't receive any other fees. 

This is not my account, however, I was on the account. I paid the {$5.00} although I didn't feel like I should have. This is not great customer service. 

I feel like it's a cowards way of attempting to ruin one 's credit and keep getting fees on an account that has been closed for over a year.
Product: Credit card

As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me.
Product: Credit card or prepaid card

On XX/XX/21 CA EDD deposited {$720.00} to my prepaid card and on the same day the money was withdrawn from an ATM in the city of XXXX, XXXX XXXX. That afternoon I called Bank Of America Prepaid Card, ( XXXX ) XXXX, and notified them of this fraud. I was told that a claim would be started ( XX/XX/21 ). The claim number that I was given is XXXX. I was advised that it would take about 10 to 12 day to be process. I was also ask to process a report with the police which I did the next day ( report number : XXXX ). I called the Bank Of America Prepaid Card ( XXXX ) XXXX on XX/XX/21 to let them know that I have the police report and that I was going to fax it over but I was told that my claim was closed and that they could not take any more information from me. I have called several time after that day and I was told that they would be sending an email to the " back '' so they can open the case again. I am not sure exactly what she meant by the " back '' but that was what I was told. I was also told several times by an agent that they are not responsible for the prepaid card.
Product: Credit reporting or other personal consumer reports

I currently opened a Chase credit card. Upon reviewing the credit report associated with the above account, I noticed that they have incorrect information listed. For an installment loan on an XXXX account, they show a late payment for the month of XX/XX/30. But the payment was not late, as I was working out an issue with the merchant, as I received defective merchandise, which was all returned leaving a {$0.00} balance. I later received confirmation from XXXX that this would NOT affect my credit negatively and it was resolved in my favor. Please refer to case # XXXX for final resolution. I have also attached screenshots of the information currently showing as delinquent in my Chase account, thereby affecting it negatively. I find this very odd, as I reached out to any credit bureau that had the Affirm installment loan listed as " late '' and from what I saw, any negativity with it was deleted. Not sure why this is showing in my Chase credit card account, and I'm concerned that XXXX, XXXX and XXXX have not omitted this " late '' status, as should have already been completed. Someone is still reporting this account negatively, as it is showing on the Chase card account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : Bankruptcy - Federal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at TD Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted TD Bank, upon XXXX Bank 's insistence. but TD Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. TD Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with TD Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- TD BANK AND XXXX BANK.
Product: Mortgage

I received a flyer in the mail stating that Ocwen was part of a {$2.00} XXXX settlement. I have a mortgage with Ocwen on my secondary lake home at XXXX XXXX in Oklahoma. I contacted the XXXX number as was told since XXXX owned my asset and that they were exempted from the standard Mortgage banking rules, that I had to default on our monthly payment to be recognized for the reduced rate. I do not believe this is true. Please confirm.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was part of the identity theft from XXXX  back around XXXX, I've spent a lot of time clearing things up but had trouble with one company called XXXX. I contacted them by phone and letters requesting all information on the account ie ; when was it opened, name address etc ; informing them that I don't beleive that this was my account. I waited 30 days then contacted them by phone and mail and did so for the next 4 months when I finally got the answer that they couldn't be bothered with it, It disappeared off of my credit report. Now come XXXX and I start getting calls and letters from a company calles NCB Management trying to collect on this debt, I informed the company by phone and mail that they bought a fraudulant account but they keep pressing me. The information I have on the company is what I got off of my credit report. NCB Management, XXXX XXXX XXXX, XXXX, PA, XXXX ph # XXXX and the acct # is XXXX, this is all I have
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.