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

Between XXXX  of XXXX  to now Numeralss over drawn accounts and credit cards maxed out of my name with out auth or knowledge of my own
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding an erroneous account on my credit report. I request the Consumer Financial Protection Bureau 's assistance in resolving this issue promptly. This erroneous entry is adversely affecting my credit score and financial standing. Despite my efforts to resolve this directly with XXXX XXXX and the credit reporting agencies, the issue remains unresolved. 
XXXX XXXX XXXX XXXX Balance : {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.Experian and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX requested my free annual reports from all XXXX credit bureaus. ONLY EQUIFAX has refused to provide it to me even though I used the government form on XX/XX/year>. I also submitted additional information they requested. They are violating a XXXX law and should be fined.
Product: Debt collection

I keep receiving phone calls from this company Portfolio Recovery Associates, asking for my daughter which she does not resides with since XX/XX/XXXX, my phone number is a new number and no one has this number, I called this company on XX/XX/XXXX and advised them not to call and delete my phone, they stated my phone number was removed. On XXXX XXXX this company called again and asked me for my daughter 's social security number I told her that it illegal to ask a third party for personal information. I am being harrass by this company it seems they do n't want to delete my number from their records.
Product: Mortgage

In applying for a mortgage for my new home, it was brought to my attention of an old mortgage collection with two different mortgage companies that are actively reporting to my credit report from XXXX. Aurora Bank # XXXX is reporting with XXXX and XXXX XXXX XXXX & XXXX # XXXX with XXXX. Both of them have the exact same loan amounts, open dates and past due balances. When attempting to reach XXXX Bank, no one single number listed on the report or internet work. All numbers ring until disconnect or just hang up. With XXXX XXXX, when I call they can not locate any file under my social, name or address yet they are still actively reporting to the bureaus. These accounts have now dropped my credit score over XXXX points and I no longer qualify for my mortgage that was set to close on XXXX/XXXX/2016. My disputes with XXXX and XXXX have yielded no results and I can not obtain a reasoning for this. Please help me with the removal of these accounts as I have never owned a home in my life and am trying to obtain my first one this month.
Product: Mortgage

I've had a conventional mortgage with Wells Fargo since XXXX. In XXXX I refinanced my mortgage utilizing the HAMP program which required I keep an escrow account to pay for annual insurance and property taxes. In XX/XX/XXXX during the Covid-19 pandemic I enrolled in the mortgage forebearance program deferring my mortgage payments for 6 months. At the end of the forebearance program Wells Fargo required I repay the missed payments which totaled almost {$10000.00}. I could not repay the missed payments but I did resume paying my monthy mortgage payments including escrow account fees. In XX/XX/XXXX I repaid all the payments missed from when I was in the forebearance program. In XXXX of XXXX I made a large payment, {$50000.00}, towards the loan principal reducing the loan principal balance to around {$53000.00}. I also asked Wells Fargo to eliminate the requirement I keep an escrow account. On XX/XX/XXXX I received a letter from Wells Fargo telling me they would not eliminate the escrow account requirement because I had allegedly missed payments. I called Wells Fargo to inquire the dates of the alleged missed payments and they said it was during the approved forebearance period. I argued the payments missed during the forebearance program were approved and should not be considered " late. '' Wells Fargo disagreed and considers these payments " late. ''
Product: Checking or savings account

1. I placed an order for food delivery and the order was cancelled. Cashapp refused to credit my account for the cancellation. 
2. My settlement amount with XXXX was lower then the original amount charged after I spent the {$20.00} Cashapp made my account negative stating I owed them. 
3. I get direct deposit and ATM fees are supposed to be free, Cashapp refuses to honor this and every time I call they provide a different excuse.
Product: Credit reporting or other personal consumer reports

In 2009, my identity was stolen, and it has been an ongoing issue ever since. Over the years, several fraudulent accounts have been opened in my name, including credit cards, utility accounts, and even an apartment lease. These actions have severely impacted my financial standing and credit score, causing immense stress and difficulty in managing my personal finances. Additionally, a falsified police report was filed in my name, falsely accusing me in a XXXX  XXXX issue. This false report has damaged my reputation and has been extremely challenging to clear. Despite multiple attempts to resolve these matters with creditors, utility companies, and law enforcement, the issue persists. I continue to face roadblocks in proving my innocence and recovering from the impact of these fraudulent activities. I seek immediate assistance to address and resolve this situation.
Product: Checking or savings account

My checking account at chime banking was compromised and over {$1600.00} was stolen from me. I tried to dispute with chime twice but for denied instantly. I reopened the disputes as I cant afford to lose this funds but chime denied it once again. Im looking to recoup my loss and get my money back
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agencies, 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 an auto loan from Capital One Auto Finance opened on or around XX/XX/2021 account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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: Debt collection

XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a 3rd party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in XXXX 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The XXXXrd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased a new vehicle year XXXX  with XXXX,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with XXXX XXXX.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.
Product: Checking or savings account

Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey called me this morning XXXX XXXX and promised that all the over-draft charges at {$35.00} a piece for a total of {$140.00} would be removed as I have overdraft privileges by the end of business on XXXX XXXX. They have not all been removed. Three remain. He lied! 

I have overdraft privileges and so these overdraft charges should never have been made! 

Mr. XXXX also said he " escalated '' the matter but the said overdraft charges remain! 

I can not, therefore, use my checking account!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these accounts immediately : 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. 

XXXX5 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

I have hired a third party company called XXXX XXXX XXXX to resolve this issue with Credit Collection Services, a collection agency. When I use to live in XXXX, XXXX ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill was not paid after I relocated to XXXX, XXXX for new employment. Eventually the bill was sent to collection agency, XXXX XXXX XXXX. The bill was paid in full on XX/XX/XXXX and the confirmation number is # XXXX. However, the bill is still showing on my credit report with Trans-union and I would like to have this item removed from my credit report as it is showing as a negative item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this  inaccuracies from my credit file.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name : XXXX XXXX # XXXX - Balance {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$16000.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance {$5600.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXXXXXX  ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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: Checking or savings account

For a whole year Golden 1 has paid my mortgage on time. This is a recurring payment that I have made through this credit union. 
This month - I was paid a day early XXXX XXXX. I contact customer service at Golden 1 to ensure my mortgage was paid. To my surprise I received a letter that my mortgage was NOT paid. Now XXXX not only late but I have to double my mortgage payment. I do NOT have double {$4300.00} dollars. This caused me great harm and great hardship. 
Golden XXXX made sure other bills were laid but seemed to have missed the one I called to ensure it was paid. I would have had it paid that say but bill pay wouldnt only allow next day - XX/XX/XXXX. Even though funds were available XXXX XXXX XXXX. XXXX months I received an increase Golden 1 continued to show original pay. 
XXXX. When I received my paycheck I never received a text stating it was deposit instead my account was block where I was unable to log in.
Product: Debt collection

I signed up with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. XXXX advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from XXXX indicating that they negotiated a settlement on my BHK Financial account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with XXXX was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if XXXX  would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have the following items properly investigated and removed from my credit report as they are not accurate and should not be on my report. Also my score does not accurately reflect my report.
Product: Credit reporting or other personal consumer reports

Credit bureaus reporting XXXX XXXXXXXX XXXX reporting incorrectly consistently ignoring XXXX police report XXXX and other evidence investigations and DISB report. Credit bureaus are not attachments letter to credit reports rebuttal letters consistently to all credit reports. Credit bureaus are colluding with XXXX XXXXXXXX XXXX reporting to damage my credit reports
Product: Mortgage

An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.
Product: Mortgage

NewDay USA was the servicer on my loan and did no pay my Home Owner 's Insurance, with XXXX, so it lapsed in XX/XX/XXXX. I was never informed by NewDay or XXXX, even though NewDay contacted me multiple times per week to encourage me to do a cash-out refinance at a higher rate. They sold my loan to XXXX XXXX  later that year. XXXX informed me I didn't have insurance which I assumed was a mistake. I contacted the XXXX and they informed me the premium was never paid and it had lapsed. XXXX  in the interim forced me into an expensive policy until I got new coverage. XXXX was no longer writing new policies in Florida due to hurricanes. I also had a multi-policy discount with XXXX. I struggled to find new coverage since I live in Florida and also had a lapse of more than 30 days. I ended up having to pay nearly twice as much for a policy and also pay the interim policy which was more than twice as much. No company involved would take responsibility or contacted me. NewDay said they contacted XXXX numerous times, but they didn't respond which I find hard to believe. NewDay said they were on the do-not-call list for XXXX as well and had to work through Fax. 

Additionally, I had refinanced with NewDay USA in XXXX. I told them at the time the RE taxes they were going to collect was low since it was new construction in XXXX and they would go up significantly. They insisted it wouldn't go up that year and they were collecting enough. In XXXX I got a letter saying the escrow was nowhere near enough to cover the RE taxes and my payment skyrocketed to collect for the next year and cover the previous year.
Product: Credit reporting

I am XXXX and cant get student finance because when i was XXXX credit was obtained in my name and at the family address dont know who by or who to ask and now i dont know what to do to help remove these.
Product: Debt collection

XXXX XXXX ( appartment building ) was uninhabitable due to a cockroach infestation. Efforts were made over months to correct the problem to no avail. I terminated my lease legally according to AZ XXXX for uninhabitable conditions. XXXX issued a fraudulent move out statement with over {$4000.00} of early termination fee and insufficient notice fee and other fees. Ironically their own statment proves they knew about the cockroach problem ( pest control charges ), and adequate notice was given ( notice date ). They even kept rent paid after the move out date ( that should have been returned ) to offset against these fraudulent charges. Then they submitted the charges to a collection agency that reported them to the big three credit agencies just weeks after move out. If you search XXXX reviews for XXXX XXXX apartments in AZ, you will find many more reports of cockroaches and illegal tactics.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXXXXXX XXXX payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me. 

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( XXXX is still processing ), and they said I was still late. 

XXXX  customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.