23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( XXXX XXXXXXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as TWO separate accounts on XXXX ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on Experian, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -XXXX XXXX XXXX  acct # XXXX. XXXX XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX  acct # XXXX. and XXXX acct # XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.
Product: Prepaid card

I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ENDING IN # XXXX CLOSED CHARGED OFF BALANCE TRYING TO SETTLE ACCOUNT AND HAVE UPDATED PAID TO CREDIT BUREAYS AS PAID XX/XX/2020 OFFERED SETTLEMENT OFFER AT 45 % XXXX ACCEPTED OFFER BUT WAS UNABLE TO KEEP AGREMENT DUE TO MEDICAL EMERGENCY I.AM REQUESTING ORIGINAL AGREEMENT BE REINSTATED I AM WILLING TO SETTLE THE ACCOUNT IN 15 BUSINESS DAYS WITH AN ACCEPTABLE OFFER TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of times to contact the creditor to let them know I have some inaccurate accounts on my credit profile. This is really impacting my life in a very negative way and I am stressed out and do not no what else todo. I would like the accounts to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was never 90 days late.
Product: Mortgage

This is my second complaint against Suntrust/Truist bank XXXX My first attempt ( complaint number XXXX ) was not resolved. I have been trying for nearly a year to get the unnecessary PMI removed from my mortgage. The response by Suntrust indicated that I must send in a written request, along with a check for {$100.00} to cover the cost of a Broker 's Price Opinion. I sent in both of those items on XX/XX/XXXX, and to date I have received no response from the bank. It's clear that Suntrust has no intention on giving up my involuntary $ 170 monthly donation of to their bank. If I had the money to sue, I would, but the CFPB is my only chance at forcing this bank to do the right thing. We initiated this process in early 2021 and they refuse to respond. We have called, gone in person, sent secure messages ( at their direction while on the phone with them directing us ), and have had them directly give us incorrect information and then laugh about it when we tell them we followed it ( why would you send us a secured message, that's a joke, we don't look at those ). They are making money on refusing to respond to this. We want them to have to give us back our PMI all the way back to XXXX 2021 from the time they should have responded. We have offered to pay for the broker 's opinion that is needed. We are NOT asking for the automated statutory PMI process to have the PMI drop - that was another excuse they gave us for delay. After 6 months of asking they sent a letter saying we had asked for that and we didn't quality- NO. We are NOT asking for that, nor have we ever. We quite literally have been asking for the independent broker 's value opinion. We want them to send an independent broker out to get their independent opinion- as is required - on the value of the home RIGHT NOW, so that the PMI can go away that we should not have to be paying every month. This bank is avoiding and lying to us on purpose and we need help. Please help, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. XXXX truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against XXXX I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have XXXX Remove the loan from my report or report it accurately... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX XXXX Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Product: Debt collection

Chase Receivables has ignored my continued requests for validation for an alleged debt in the amount of {$230.00}. On XXXX separate occasions I asked them for this validation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I sent certified return receipt letters ask for this validation that were verified as having been received. I have yet to get any response from anyone from this organization. Furthermore, upon receipt of my letters Chase Receivables did not mark my credit report as " disputed '' pursuant to the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I logged into my XXXX XXXX account and when I did the site had a pop-up that said my account was locked and I need to call this number - XXXX. The scammer told me they were with the XXXX XXXX Fraud Dept and there was weird activity connected to it and my Coinbase at an IP address in XXXX. They proceeded to use a software to get access to my computer and had me sell all my stocks and then wire the money to my Coinbase account. By this time since I was questioning the selling of my stocks they had connected me with the " supervisor '' and transferred me to his number which was XXXX. This number was the one that I called multiple times and eventually stopped working. In my Coinbase they took the money once it arrived ( 3 days latersince it was a weekend ) without me knowing it and turned it into XXXX so the supposed fraudsters from XXXX could not trace the money.Then the tried to tell me my XXXX XXXX accounts could get hacked as well because they were connected to the XXXX account. They tried to wire the money from my XXXX accounts to Coinbase but it didn't work and bounced back because it was my business account thankfully. They then tried to do it with the personal on Monday morning but after that the phone number wasn't working and I realized they were scammers. I then froze my Coinbase account and called XXXX XXXX and XXXX XXXXThe money never made it to Coinbase the second time from XXXX XXXX and they tried to call me again but I did not answer. 

After the scam I immediately called XXXX XXXX, XXXX, XXXX, and Coinbase to see where my money went and if I could get it back - all of them were called multiple times over the past 6 month. I also called XXXX ( XXXX XXXX XXXX ) to have assistance with this theft and fraud. I did work with someone in the fraud department at XXXX XXXX but in the end I never heard back from her about what happened and the conversations XXXX XXXX had with Coinbase. I had to call Coinbase several times to get them even to look at the case ( I called them the first day it happened as well ). They eventually stated via email they are not responsible for fraudulent activity in their accounts and would not give me my money back. 

I did also file the following reports : - IC3 Report with the FBI - Police Report with XXXX, WA Police Department - FTC Identity Theft Report
Product: Credit card

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXX stated that they are not reporting this account on my consumer report however XXXX is currently reporting this account
Product: Debt collection

XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me.
Product: Debt collection

XXXX XXXX is a complete hoax. Signed up for free ( shipping was {$6.00} ) XXXX XXXX which I never received and then they are trying to collect two bills in the amount of {$110.00}. Complete financial scam. Collection group on behalf of XXXX XXXX is Tate and Kirlin, XXXX XXXX, XXXX, PA. I have talked to them numerous times to dispute this collection effort. 

I contacted the XXXX XXXX XXXX and they have numerous reports about the same company. Now they are threatening to ruin my Credit!! 
Please help an American citizen and tax payer. These kind of con games hurt the American public!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that my score went down forty five points. I called got the rudest special service person he was quick to talk but he doesn't listen to the issues I asked to speak to a Supervisor I knew was going to hang up. He said my score went down because of two late payments on the mortgage which was back in XXXX of XXXX and XX/XX/XXXX I told him my score was XXXX for quit sometime and why would Transunion wait all this time to take fifteen points of my credit. now XX/XX/XXXX I have spoken to the XXXX XXXX XXXX waiting on there response I am sure it is incorrect It seems the harder you work on your credit Transunion takes off fifteen points. They had know right to go that far back and lower my score. And the company will be contacting the credit Bureau. I am a victim of Identity Theft .I hope they don't go back XXXX and find another reason to lower my score it should be a law to stop issue like this.
Product: Debt collection

I have sent a request for validation from the collection agency on XX/XX/2020 and XX/XX/2020 and got no response for both request
Product: Credit reporting or other personal consumer reports

I don't comprehend why I have to repeatedly file complaints regarding an issue that ROADRUNNER ACCOUNT assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. ROADRUNNER ACCOUNT SER XXXX.
Product: Credit card or prepaid card

Credit Card : BankAmericard Better Balance Rewards ; Date : XX/XX/2018 ; Amount : {$30.00} ; Description : 2018 Q2 reward was missing.
Product: Debt collection

This account was wrongfully documented and incorrectly pinned under my name. I do not have any knowledge of this company as they have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 6 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to repond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made and please check the lates as well.
Product: Credit card

This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX
Product: Mortgage

Years ago I purchased a home and my mortgage w/ Chase bank . I have tracked them for years holding up my checks from clearing my account for months ( 3-6 ). I have tracked it for years w/ complaints to my State Attorney general. HE doesnt care, probably bribed not to look. My bank records are Never correct. I will have less than twenty dollars in there and my balance says thousands from Chase holding the checks. Since no one has been able to help, I have to keep records at home, give up my debit card and all payments online b/c I never know what is going on. Last month Chase wrote and said I have over 80 grand equity. Now I am notified my loan w/XXXX XXXX and equity 20 grand a month later. I have spoken w/ many people in my state of Montana and Chase is doing it to them. Lifes hard enough, banks rich enough. Id get fired if I didnt do my job right. Why are they in business. Americans deserve better and we are sick of our government serving banks not the people. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I requested and received a copy of my consumer file from LexisNexis. In it were several incorrect facts, some of which were corrected, while one, in particular, was not and that is what this complaint is about. 
My LexisNexis file continues to show an automobile insurance policy lapse from XX/XX/XXXX until XX/XX/XXXX which was NOT the case. 
On XX/XX/XXXX, I sent a certified letter to LexisNexis explaining my request to correct that particular mistake and, in addition, I enclosed a letter ( per their instructions ) from my insurance company, XXXX XXXX, showing that I had no policy lapses during the dates shown in my consumer file. 
I have tried calling on their always busy phone lines and the online system they provide is so convoluted that I have given up trying to reach them and am hoping you may be able to help get this straightened out and corrected. 
Every time I have attempted to correct this matter I get a letter stating that it has been amended and yet when viewing my file the same inaccurate fact remains.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Notice of dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Inaccurate Reporting Dear Experian, I am writing to dispute inaccurate information on my credit report. This dispute pertains to a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that the information being reported on my credit file is incorrect. While I understand the importance of providing details to support my dispute, I am writing this letter to notify you of the inaccuracies without offering specific information currently. 
I am aware of my rights under the Fair Credit Reporting Act, specifically 15 U.S.C 1681i ( a ) ( 1 ) ( A ) which requires you to conduct a reasonable investigation into any disputes raised by consumers. I am requesting that you investigate the inaccuracies regarding the mentioned IC SYSTEMS account and make the necessary corrections. 
I kindly ask that you promptly initiate an investigation and correct any inaccuracies in my credit report. Please send me a written response confirming the results of your investigation. If additional information is required to verify the inaccuracies, I am prepared to provide it upon your request. 
Thank you for your prompt attention to this matter. Please be advised that I expect this issue to be resolved within the statutory time frame of 30 days, as outlined in the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX