23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the 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 a of a rental/ leasing creditor account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and an installment opened at XXXX  XXXX XXXX XXXX XXXX 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. The fraudulent inquiries are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX under XXXX. Ive attached 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: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX XXXX mobile deposit a check from my boss into my Hunnigton Bank account it was supposed to be cleared on that XXXX  but it was not I contacted them they stated that it was fraud because I had not mobile deposited a check in my account when in fact it is not fraud and the money came out of my boss account but they did not make the funds available on XX/XX/XXXX they said the funds would be available they was not available I received a letter with that date on it and still havent received I went to the bank I was told that they was closing my account and that the funds would be either sent back to my boss account or send me a check out none of this has happened the amount of the check was XXXX this has put me in a financial burden I have had to borrow money from family to pay my bills I couldnt get my children anything for XXXX all because they said it was fraudulent and it wasnt they didnt even verify the check with my boss bank before they said it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information
Product: Credit card or prepaid card

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

FRAUDULENT APPLICATIONS SUBMITTED TO XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX ON XX/XX/2021. 

XXXX APPLICATION WAS SUCCESSFUL AND WAS CHARGED {$200.00}. 

OTHERS DENIED. 

4 FRAUDULENT HARD CREDIT INQUIRIES ON MY CREDIT REPORT AND NEED TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Got a loan for {$2500.00} with expectation of paying off early. Have made several large payments on loan including a payment of {$1900.00}. Expressed to the company I needed the principal balance paid down to pay the loan off because of unexpected things that came up and need to be free of loan. They put the {$1900.00} toward interest and said the interest on the loan was fully paid. The {$1900.00} along with {$880.00} ( extra and over payments ) along with regular payments equaling {$1800.00} you would think would bring the balance down, but no. There is still a balance of {$1300.00} and that balance keeps going up. I have already paid {$4600.00} on this loan. I know the longer I have the loan that number will go up, which is why I am desperately trying to pay it off early. 
How is it the interest is paid in full but we are still getting charged for interest. 
Also, I received a letter stating if I bring my account current ( I missed a couple payments last month ) then they will also credit a payment to my account to help. The letter was addressed to me personally, but I was told it didnt apply to me. They used the large payments to cover those missed payments. How are they using that {$1900.00} to cover missed payments when it should have already been applied to my account. So they sent me a false letter. Its as if they are purposely keeping me from paying this horrendous loan off. 
And why when I pay on the principle on the loan, the balance is not going down to where it should be? 
My wife has also called and made several payments ( which includes the {$1900.00} payment ) on my behalf. Now they are refusing to take payments. I once again gave them permission to talk to her about my account And make payments. They still refuse. Why is it she could make payments before and can not make payments now. 
This company is making it impossible to pay off this loan. As with any other loan, when I make over and extra payments the balance goes down and I can pay it off, but with this company, it will not work. 
I cant keep doing these almost {$500.00} payments every month and this loan should have been paid off by now or at least under {$500.00}. Definitely not {$1300.00} and rising daily. 
I also have recording of my wifes conversation with the company refusing to take a payment after I gave them permission. Also, if they can not take a payment from her, then what do we do about the money/payments she made previously? Do they credit those payments back to us? ( They did however, take them from her without me, using my credit card ). 

These types of loans should be illegal!!!!! These companies should not be allowed to do this!!!
Product: Credit reporting or other personal consumer reports

I have disputed the inclusion of several inaccurate and fraudulent addresses on my credit report with TransUnion three times over the past year. Despite my repeated efforts, these addresses remain on my report. 

The incorrect addresses are : 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 XXXXXXXX These addresses are not mine and have no connection to my identity or financial accounts. My only valid address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

I have contacted TransUnion multiple times, requesting an investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to correct my report, in violation of 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). These errors put me at risk for identity theft, fraud, and other financial harm, especially given the increase in data breaches. 

I request the CFPB to intervene and require TransUnion to remove these incorrect addresses and provide a resolution promptly.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit reports. And noticed there collection accounts that I do not recognized. I have never been in agreement to work with them. Can you please provide me with any sort of agreement with any of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last reported XXXX XXXX National credit system XXXX XXXX on XXXX XXXX XXXX XXXX. 
open XXXX XXXX ( THIS WAS NOT ON previous credit until I personally made a complaint about the wrong dates and information )
Product: Credit card or prepaid card

In XX/XX/2018 .... American Express closed my two accounts stating payments were not being made to the accounts. Which my payment historys showed various payments to both accounts. Upon the accounts being closed American Express failed to send a final bill. After reporting this I recived a letter of apology. Again no final bill recived. American Express proceeded derogatory marks on my credit report about late payments, which the accounts were closed with no final bill received. Again I filed a complaint which American Express replied they no longer overseen the account since XXXX. Moving forward to contact credit collecting agency which has the accounts. Which I have done. American Express again made derogatory marks again increasing the amounts due. Again I filed a complaint and recived a letter that another credit collection agency is overseeing the the matter they have no control. Which has a different agency! 
Upon closure of the accounts Account ending # XXXX transferred to XXXX XXXX XX/XX/2018 {$960.00} Account ending # XXXX transferred to XXXX XXXX XXXX XX/XX/2018 {$320.00} American Express no longer handles accounts but will not remove derogatory marks Recently received a letter from another agency with different amounts. 
Was not made aware of American Express taking back the account to add additional fees Nor of the new collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit reporting or other personal consumer reports

This serves as my numerous correspondence to address the unfortunate circumstance of being a victim of identity theft. I write to challenge specific items within my file that stem from this crime. The contested items are not associated with any transactions that I have personally initiated or authorized for the procurement of goods, services, or funds. I request the immediate blocking of any information in my credit file linked to the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX  XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX  XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature from the creditors listed below in which they have failed to respond within 45 days. I also sent letters to the credit Beaurus asking for a method of verification in which they refused to respond as well with 45 days! According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX They also violated XXXX XXXX XXXX XXXX XXXX XXXX ) Can you look into this?
Product: Debt collection

Hello, On XX/XX/XXXX {$2000.00} was put out on hold in my bank. I called to discover i had a Court Order levy and was only given the Lawyers name and phone number. I was never served or given any legal documents saying i was being sued. I called the lawyer, XXXX XXXX XXXX, repeatedly and left messages. 
I called the bank again and tried to get further information and they gave me a case number and the client who is Portfolio Recovery. 
I currently have no outstanding dept in collections. And have a good credit standing. If this debt is real it has to be over 15-20 years old when i was in college. But i cant find any information with the original debt collector.I havent lived in the county this was filed in in over 10 years. Theres no way this can be legal and allowed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries XX/XX/XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Adverse action is against the law and is codified in USC 1691c and is pursuant to civil liability under 15 USC 1692 k. Wells Fargo is in Violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.
Product: Credit card or prepaid card

XX/XX/2023. I purchased a {$100.00} Vanilla visa gift card from XXXX for a college kids, When she opened it there was not a card in it, it was a XXXX card that had the bar code on the back and blank on the front. I went back to XXXX in XXXX Missouri on XXXX and they said no refunds on prepaid cards. I was told to call Vanilla visa which I did, I was then told to send a copy of my receipt, visa card front and back and a copy of my Drivers Licenses. I get that they need to verify who I am but I just don't e-mail my personal information and they were not trying to work with me at all. This is XXXX, I can't believe I couldn't get any assistance with this.
Product: Debt collection

I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. 

I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. 

**Both letters are attached **
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I have been trying to negotiate a Short Sale with Seterus since XXXX 2015 I have filed a complaint before and Seterus responded by stating this property was foreclosed on XXXX XXXX Since than we have been working with Seterus and their attorney firm XXXX XXXX XXXX. 

The sale that occurred on XXXX XXXX, 2015 the lender was the high bidder by default. The clerk of court thus filed its Certificate of Sale. During the statutory ten day period before the finalization of the sale, objection to the sale was filed. Although the court denied the objection, it also withheld the Clerk from finalizing the sale until the lender would consider the short sale offer. All parties were ordered to mediation which occurred on XXXX XXXX, 2015 with the parties including the lender agreeing to reconvene in three weeks after the lender further instructed and authorized the loan servicer and thus its attorney to deal with the short sale submission. XXXX XXXX was assigned to this file. from XXXX XXXX XXXX. She submitted the short sale package to Seterus and we got a decline letter without much reason behind it. When I called Seterus they tell me there are no notes and all they can see is that this property has been foreclosed on. 

Seterus and their attorney is having problems understanding that the property is not yet an REO and is indeed still owned by the borrower. The sale is not confirmed and the title transferred to the lender as the winning bidder until the Certificate of Title is issued by the Clerk. The Court Order forbids that event from occurring until the lender deals with the short sale offer pending. 
I keep emailing XXXX from XXXX XXXX XXXX since after they declined the short sale they told us to resubmit with a higher offer which we did not once again no one is responding and they keep stating it is an REO.
Product: Credit card or prepaid card

they lower credit limit on this date .so low that by me paying the minimun amount i will be going over the limit. now that i spoke to them they said to pay more this way i wont get over the the limit. the credit card that i have was XXXX limit now is XXXX which at that time i had a balance of XXXX, now my credit with interest is XXXX which leave me with XXXX left by me XXXX a month half of it will be paying interest so eventully im going over the limit. i feel this is not right for the consumer it does not leave any room for movement.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CRDIT REPORTS I NOTICED THAT THERE WERE ACCOUNTS AND HARD INQUIRIES ON MY REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX because they no longer have the debt. The collection agency does. I tried to rectify this with Experian, XXXX, and XXXX 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
Product: Mortgage

I believe that my Heloc is taking advantage of me through their charges on my monthly payments, I have been paying ballooned payments to the principle for over a year now on those over payments they are taking service fees out of the principle payments I believe this loan as is is charging me way to high interest charges I need help to see if I'm not getting taken advantage of, I am retired and on a Budget.
Product: Credit reporting or other personal consumer reports

XX/XX/year> shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my XXXX XXXX. I will be trying to buy a home. XXXX help me get this mistake removed