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

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

XXXX  # XXXX XX/XX/XXXX -- {$760.00} TU UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

See attachment. Due American Express not addressing the concerns and violation brought up. I have decided to include Comptroller of the Currency , Office of Inspector General, United States Attorney General, Attorney General of the state of XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me the social security number does not belongs to me and is being reported to XXXX in which I have contacted TD Banks about accounts this account starts or ends with XXXX and XXXX and this being reported illegally to my name in which this account is not mine
Product: Credit card

I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.
Product: Credit reporting or other personal consumer reports

I checked my credit report I come to find out XX/XX/XXXX a request to remove a personal statement that I am a victim of fraud and identity theft and that I should be contacted at phone number XXXX and they removed it XX/XX/XXXX I never requested that that needs to stay on my report for the duration of my life there's a data breach plus someone tried to steal my title to my home and I am a victim of identity theft and they remove that not at my request I tried to put it back on there it's not allowing me to do so and this needs to be put back on my credit report please note also TransUnion is the one that's doing this and transunion has also put a supplemental statement given the description of my property location a whole bunch of unnecessary information that's what I asked them and requested for them to remove which is my right and Dad they removed the identity theft part so I am beginning to feel like TransUnion one of their employees or somebody is in on identity theft and fraud those things have never been on my report as far as a description of my home that I purchase and an alert is on there that no credit is to be given until you contact me and verify that an account can be open they took that off I left me wide open I'm already a victim my mortgage company offered me special monitoring because of the data breach but I have been a victim of identity theft prior to that and now somebody has stolen my title to my home and my tax papers and all kind of things so this needs to be put back on my report they keep giving me the runaround I request credit reports they don't want to send them to me now they got me blocked out of my account I can not even get in or log in to see my credit report not the school just the credit report they're not allowing me to do that they're not allowing me to do anything. I tried communicating with these people to resolve this multiple times they're refusing to assist and they have remove essential information that will protect me as a consumer which is in violation under the Fair credit reporting act fcra please assist
Product: Debt collection

This debt was originally owned by CREDENCE RESOURCE MANAGEMENT. I disputed it with XXXX XXXXXXXX and consumer finance because it was not mine. It was removed because it was not mine. It has now been purchased by XXXX XXXX XXXX and once again added to my credit report. They have never sent proof in written form, telephone or email of proof of debt. I know the debt is not mine, yet it keeps ruining my credit report every time it is sold to another company. I request that this XXXX XXXX XXXX XXXX  debt be removed from my credit report.
Product: Debt collection

On XXXX XXXX, XXXX, I contacted XXXX XXXX concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- JH Portfolio. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
Product: Credit reporting

Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Experian Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Experian Credit Report. That means Experian failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX  XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXXBalance {$4900.00} XXXX XXXXXXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and incomplete information on my credit report and it is damaging me in multiple ways in life, Alleged charged off Account XXXX is inaccurate for the reason The consumer reporting agency Failed to furnish the date of last activity and the date this alleged charged-off account was closed as requested. Date of last payment not furnished. This Consumer reporting agency is in violation of USC Title 15 1681B " Accuracy of report '' For failing to ensure maximum possible accuracy before furnishing this incomplete information on this credit report related to me. Equifax is also in violation of USC Title 15 1681i 5 1-2 " treatment of inaccurate or unverifiable information ''.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Debt collection

I received a notice on my credit report for a collections. This brought my credit down 43 points. I have no idea what this charge is for nor did the company attempt to reach out to me via mail or phone or any other communication prior to adding this to my credit file. The creditor claims the account was open on XX/XX/2020 and reported this on XX/XX/2020 for the amount of {$280.00}. First, I am not even sure what this collections is for because I have never opened an account with this company. Second, the company never reached out to me to even allow me the opportunity to dispute or take care of it. I am disgusted at the way this company does business because I feel I was blindsided and forced into an obligation that is not mine. I have worked hard to clean up my credit and have paid everything that I actually owed. {$280.00} is not a big amount and if it were mine, I would have paid that too. I have filed a dispute through XXXX  and awaiting the results but I wanted to file a c complaint as well. This should have never happened and I feel proper business measures were not taken. 
Company : Enhanced Recovery XXXX XXXX XXXX. XXXX FL XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing is charging me for fees such as escrow, late, penalties, hazard insurance, etc. without providing a detailed explanation of the fees.
Product: Student loan

During Covid federal loans payments are supposed to be suspended with 0 percent interest. When I didn't make the payment, they said my loans didn't qualify and I should do forbearance. I signed up for that. 

My credit report and StudentAide.gov both state that I have 0 interest. I received a letter in the mail this week that said I was being changed interest. 
I called and was told I didn't qualify for the no interest. 

We are in a national pandemic and the federal law says no interest. I made these loans with the department of education and now they are saying they are private loans. I did not take out a private loan so I should not be changed. They would do nothing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to Equifax proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX XXXX name : XXXX XXXX
Product: Mortgage

I lost my first job in  XXXX  and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After  PHH  took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on  XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on  XXXX / XXXX / XXXX  that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On  XXXX / XXXX / XXXX  I get a letter from an attorney representing  PHH  stating my house is going on the block for foreclosure on  XXXX / XXXX / XXXX . I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to  XXXX   XXXX  who stated it  may  be too late but he could not guarantee anything and will have  XXXX   XXXX  or his manager call me on  XXXX / XXXX / XXXX  when it will be too late. I am  XXXX   XXXX   XXXX  and  XXXX  and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 states I have a right to privacy. 15 U.S.C 1681 states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the XXXX  loan WAS PAID off and the XXXX  loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact Experian. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.
Product: Student loan

My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. 
Today a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. 
Please investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. 
Please investigate the tactics of these companies and the use of the client information systems.
Product: Debt collection

On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX  XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX  account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company. 
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine. 
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to the companies but they say they cant or wont fix anything without hearing back from the other party who I dont know.
Product: Checking or savings account

On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.
Product: Mortgage

We were in foreclosure on our home. We went and spoke to a housing counseling agency who told us to begin saving all of our payments and the past due payments until our court date. On our court date we were told the foreclosure had been dismissed by Seterus although we had received a new foreclosure notice about 2 weeks prior. We asked our housing agency counselor how do we get current we have saved the payments and can pay up to date. She asked the attorney to send us a reinstatement letter. We received that letter after 2 additional requests for it. We went to the bank and wired the funds by the due date XX/XX/XXXX. Plus an additional {$930.00} to cover the XXXX mortgage payment. For a total wire of {$10000.00}. When I called in the following Friday XX/XX/XXXX to confirm Seterus receipt of our payment and that we were in good stAnding I was informed that we still owed the XX/XX/XXXX payment. That we had to pay {$10000.00} based on a statement we received from the company on XX/XX/XXXX. But that statement was received and dated prior to the attorneys letter that we received on XX/XX/XXXX. Seterus is telling us that they have nothing to do with what their attorney sent us. That those numbers were wrong.
Product: Debt collection

Upon reviewing my credit report, I identified multiple inaccuracies that are adversely affecting my creditworthiness. I trust that you will conduct a thorough investigation into these discrepancies to rectify any errors. 

The specific item I request verification for is as follows : XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} This collection is under my previous name ( XXXX XXXX ) connected to my social security number.