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

I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXX XXXX XXXX  XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXl need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

The accounts are fraudulent. They were opened/used without my permission. I talked to the companies and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 
These accounts are reporting to my credit and I do not recognize it. Beyond these facts I do not have any other information. Please delete them : XXXX XXXX  XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with missed payments AUTO LOANS XXXX XXXX XXXX
Product: Debt collection

Received a letter stating they needed to get into contact about my late grandmother 's account. They refused to identify any debts and harassed my family members in an attempt to collect money from someone who has been dead for over 2 yrs. My grandmother was XXXX and had nothing in her name, no estate to collect from, and this was explained repeatedly to the person identified as " XXXX or XXXX. '' They could not or would not identify which companies if any were attempting to collect a debt and would not listen to any requests for more info. These people are scam artists trying to harass surviving members into paying debts which do not belong to them. I hope they get sued.
Product: Checking or savings account

I called TD Bank via their online bank account verification phone line on Friday, XX/XX/XXXX at approximately XXXX to report a suspicious withdrawal/transaction in the amount of {$310.00} labeled service charge. 

I was on the line for approximately 30 minutes with both a Customer Service Representative & Manager, who stated that the amount that was UNEXPECTEDLY withdrawn from MY bank account, was regarding a Safety Deposit Box. At no time was I advised that the deposit box, was an old debt that my Ex-Husband and I opened sometime in XXXX. The manager advised that I contact the TD Bank local Branch, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, where the safety box had been opened. Upon calling, I spoke with the Branch Manager, XXXX XXXX, who was ridiculously rude, condescending and when I explained that I am disabled, unable to come into the branch to further discuss this issue and how this debit affected my SSDI FIXED INCOME, XXXX XXXX, could not have been more demeaning when he rudely went on to tell me that because I still had an active bank account ( SINCE XXXX ) the debt was taken out from my account!!! 
After ending that pointless conversation, I called customer service support to report XXXX XXXX and demanded how something like this could happen with NO NOTICE! Interestingly, TD Bank, sent the notification to my old address ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX ). I havent lived at this address since XXXX!!! I just CAN NOT believe that a branch manager wouldnt have verified my current address, etc., before carelessly deducting a debt from my account, simply because I still have an open account! 

Im demanding that the monies in the amount of {$310.00} be replaced IMMEDIATELY and addressed accordingly. My divorce decree states that any accounts/debts be paid by my Ex-Husband. 

I will entirely close my TD Bank account and my current safety deposit box as soon as possible and will deposit my money with a reputable/responsible institution. I also expect that formal employee action be taken with all parties involved!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my XXXX  report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time
Product: Credit reporting or other personal consumer reports

Something in my name was purchased from a company called XXXX XXXX in the amount of XXXX XXXX I have never contacted them nor have I ever bought a product ir signed up for a program from them. I recently got emails from a company called XXXX XXXX which is a third party collection agency trying to collect this fraudulent debt. I have been getting emails from them harassing me about this unknown unauthorized account. Then lastly XXXX credit Bureau has reported me as a late payment as well as a charge off account and Im prepared to pursue legal action against this illegal act. This is FCRA Violation. XXXX is in Violation of 15 USC 1681a as well as USC 15 1666 I never authorized this fraudulent account, my privacy has been violated and I demand this be removed from my report immediately! There is an ongoing investigation into these fraudulent claims and XXXX is in direct federal violation in reporting this on my consumer report. If this is not rectified and removed from my report I will pursue legal action to the fullest extent of the law!
Product: Debt collection

i do not acknowledge the debt they are claiming please remove off of my credit report. its reporting in the amount of {$740.00}
Product: Mortgage

Today was to be the closing date of our first ever refinance on our familys home. Your assigned Notary called my cellphone approximately XXXX XXXX. for an XXXX closing appointment, that we were grilled over about sanitizer blue ink pens and masks attendance signatures contact numbers etc.not a problem, we get it. We were asked several times to verify that my spouse and myself make arrangements to not miss this closing date via email no problem we get that too. 


On said phone call, half hour before closing if we have the proper 50 page document for closing. First we have heard of this and the answer is no. My spouse advised her we have only received documents via email and a Disclosure via XXXX  one for me one for my wife. We have responded accordingly same day to all subsequent emails even the duplicate emails to make this a smooth process all around. 


The notary calls again half hours 45 minutes later we appreciate her keeping us in the loop and now its almost XXXX. She states she is finally able to access the appropriate documents and will be here in 20 minutes. Another hour passes we havent left our home havent ran our errands havent eaten lunch nothing because were waiting, our off days are the weekend and thats when we care for home errands etc. Your notary then calls our home one more time stating she is having difficulty accessing/printing and will try to schedule us with another individual for todays closing. Its almost XXXX XXXX and nothing has happened no contact whatsoever from anyone. It has us to the point of questioning accreditation and are we really closing on our refinance? Is this in fact a legitimate process? 


I am requesting you all call us ASAP. This is very frustrating and unbelievable on the part of USAA as we have met all your requests demands, arrangements etc for both of us to be available. Signed everything we have received. We have been loyal members of USAA for many years. We have insurance, IRAs and some of our Banking with you even our children Bank with you. This behavior is unacceptable and something i never thought i would experience with USAA my family and myself have always spoken highly of USAA but to this there are no pleasant words, its poor customer service pertaining to my familys Dwelling, Mortgage and Home. 


I know things happen but this refinance process has been the most difficult I have ever experienced. Please advise when we can reschedule closing at your earliest convenience.
Product: Debt collection

There are several accounts on my credit report that were added without my consent. I request that they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. XXXX XXXX, XXXX. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.
Product: Credit reporting or other personal consumer reports

I attempted to have a negative item removed from my credit report that was the result of fraud. I searched online and found XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX through a verified XXXX. I agreed to the terms of the service that he described and was forwarded to his case workers to proceed with the service of credit repair ( for the fraudulent account ). I was made to take out a loan/financing agreement with Denefits ( a financing company ) in order to begin my credit repair with XXXX XXXX  XXXX XXXX XXXX I agree to pay monthly for a service that was to include a case XXXX that I would actively work with to improve my credit profile through a tailored strategy from their credit expert/case managers all while they simultaneously cleared my credit report of any inaccurate information/fraudulant information. After a few months with no contact from anyone ( except on the week of a scheduled payment, Id receive a text informing me of my upcoming payment and a message saying they was still working on removing the same account ). I contacted someone from the credit repair company to see why I was not receiving any communication from my case XXXX to build my credit and why was they still saying that they was attempting to remove the same negative account for 3 months. I told them that I was not receiving the service that I agreed to pay for and was given excuses and told that I had to keep paying them or they was going to report negatively on my credit report. I then contacted Denefits ( the finance company ) to request that they void my finance contract because I was not receiving the service that I agreed to pay for. They told me that they contacted the XXXX XXXX XXXX and was told that they provided me the service ( when I have text messages from them confirming the opposite ). Denefits proceeded to report my account negatively to the credit reporting agencies causing my credit to plummet and resulted in me being denied credit lines as well as even insurance because of my lowered scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Product: Credit reporting or other personal consumer reports

DUE TO IGNORING MY DISPUTES AND UNABLE TO UPDATE INACCURATE INFORMATION ON MY CREDIT REPORT, I ALREADY FILED A CASE AGAINST YOUR AGENCY. DO YOU THINK I WILL TOLERATE THIS KIND OF MATTER?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX XXXX attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

Applied for an XXXX XXXX  loan with this company. They called me and said congratulations I was approved. So they then asked me for my banking info such as my routing and account number. Then they proceed to tell me they couldnt get the link to verify my bank account so could I give them my online banking info ( which should be illegal ). Against my better judgement I gave them the info for them to look into my bank account. Again they tell me Im approved and began to tell me my payment schedule. So we were disconnected and I called back only to a automated voice telling me my application was declined
Product: Debt collection

The number they are calling at XXXX is a work number and I have identified it as such. They call two or three times daily and they alternate from work phone to personal phone. It is becoming insane and I am involved with debt management and they are aware and asked me to file a complaint. 


XXXX XXXX XXXX XXXX
Product: Mortgage

I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I discovered that my checking account was usually low of funds. After investigation, I discovered that someone had opened up a XXXX XXXX count that was tied to my bank account and moved most of my money out of my checking and savings accounts. I went back in time and review all charges on my account and found that someone was moving small sums to overseas accounts starting back on XX/XX/XXXX. At no point did Chase raise any red flags, or warn me about these strange transactions that did not align with my past transactions ( despite claiming 24/7 Fraud Monitoring or Zero Liability Protection ). I called Chase to dispute these transactions, but after their investigations, they told me there is nothing they could do as Chase is only liable for up to 60 days from the first incident. The issue is a majority of the money was moved during this last month. Now my account is standing at a loss of over 80 % of where it should be and I have no path to recover the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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

I found unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I checked my credit as usual, but this time there were unexpected discrepancies. Refreshing my browser didnt help, and the unauthorized inquiries remained. I need this issue resolved immediately, and Im asking for the documents Ive sent to be reviewed thoroughly, so I dont have to worry about this again.