23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Jefferson Capital Systems is currently reporting a collection on my credit report on behalf of XXXX XXXX. I have tried to contact this company several times, and even initiated a dispute with XXXX in an effort to get them to contact me, there are never any representatives available to speak. The phone number listed on my credit report is a recorded/ automated line. I am trying to speak with someone so that I can negotiate a payoff on this account and removal of the debt from my credit report. Since I have not been able to make contact with a live person to discuss this or request documentation to confirm they will remove the debt off my report once paid in full, they continue to report it as delinquent and it is dragging down my credit score. I disputed this account once with XXXX and apparently someone ( presumably from the company ) rejected the dispute but still I am unable to make contact with anyone at this company.
Product: Credit reporting or other personal consumer reports

I have negative accounts and late payments that are on my account due to being a victim of identity theft I sent a copy of my FTC identity theft report but the credit bureau has not removed these unauthorized and fraudulent charges.
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 of my Police Report/FTC Identity Theft Report ( FTC REPORT 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 are required to block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX 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 a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN & XXXX regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit reports and noticed that my former account with XXXX  XXXX with the account number starting with ( XXXX... ) is still showing and Account Status as a Derogatory account as a Charge Off and Closed. This account is settled and Paid In Full As Agreed with this creditor and Consumer reporting agencies have assumed a vital role and have responsibly to report consumer information that the best of their ability with maximum accuracy. This account is Paid in Full so please investigate and update my account status to Paid In Full with the documentation provided as proof to make this change.
Product: Credit card or prepaid card

I was victim of identity theft some one had use my ssn to get my Bank of America employed benfints card use it And took all my funds off I fillies a police report send in my Id to bank of America prepaid card operations and I still lost my dispute they said I still benefited it from the fraud Did not give me anything back
Product: Debt collection

On XXXX XXXX, 2017 I received a notification of a debt that is owed. When I search the Florida database regarding this company to collect a debt from me they are n't licensed in the state of Florida. This company is in Louisiana. I have not received a detail of the original debt to show this is owed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, XXXX OH XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Product: Credit card or prepaid card

XX/XX/XXXX : There were two fraud ACH charges ( titled " ACH Payment Refund ) of $ XXXXeach for a total of {$6000.00}. This is completely unrelated to anything transactions or payments I have made and is 100 % fraud. 
XX/XX/XXXX : Called Bank of America and spoke to two different representatives before a fraud case can be opened. BOA promised someone will contact me within 7-10 business days. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were declined and my account was put on hold. I had to call to remove the hold. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were again declined and my account was again put on hold. I had to call to remove the hold but it was not possible because their system were done. 
XX/XX/XXXX : Made 3 calls to BOA to remove the hold on my account and they said I have to wait up to 45 days before the case can be investigated and money refund to my account.

{$6000.00} is a huge sum of money to be on my credit card balance for 45 days which will impact my credit usage and consequently credit score. Furthermore, the pending unresolved fraud case is causing my transactions to be flagged and my account to be put on hold which there is no other way to resolve other than having to spend time on the phone with them.
Product: Money transfer, virtual currency, or money service

I opened the account and was able to trade, then it just stopped trading. I have ask to close account but can't. I keep being asked to verify the account and I have dome what they ask but still can't trade. Account shows that it is verified but still can do anything. Would like to close the account if it can't be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate XXXX  to furnish my data with the following companies, please be aware, no consent, is identity theft : LATE PAYMENTS TO XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Currently hold a Home Depot credit card. They often offer promotional " financing '' opportunities to extend no credit purchases of certain monetary amounts for various lengths of time ranging from 6-24 months, at no interest, with minimum payments. I took advantage of such offers while building our retirement home. Citibank is the financier behind the card. When making a payment to clear my revolving monthly balance ( as to not incur their 17.99 % interest charge ) the company redirected those funds to an allocation of their choice- to pay off an upcoming, not yet due promotional balance. This left a balance in the revolving line item which if not paid off the following month would begin to accrue interest. This was not my intent so I called the company to allocate my payment as I originally intended only to be told that was not possible. It seems their system intentionally allocates payments to attempt to confuse consumers and " trap '' unknowing or less educated consumers into paying outrageously high interest. They engage in several tactics to misguide consumers so they find themselves paying the inflated interest rates. These include adding this allocation practice to the small print of their terms and agreements, not allowing consumers to direct their payment to the amounts they want, requesting minimum payments which would lead to interest, not clearly stating what payment is needed as to not incur interest, placing that amount in smaller print below the main statement details, and telling a consumer they are unable to allocate their money where they chose. These are predatory lending practices designed to confuse consumers, take advantage advantage of Americans less educated in financial matters and force them to pay extremely elevated interest rates. It is a horrible practice designed to prey on the most vulnerable of our population.
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. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTXXXX 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 Bankruptcy/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( 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 THAT ANTEDATES THE REPORT BY MORE THAN 7 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: Checking or savings account

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to sign up for insurance for my new car i just got they asked for XXXX XXXX down so i gave them my card, they pushed it in the machine made me put my pin number, it got declined. Then the insurance lady said we can try the card again but before i wanted to try again i checked my account to see if i got a message from citi ( i usually do when my card gets declined ), it turns out the XXXX XXXX  was sucessfully tooken out of my account but it was declined on insurance card machine. So im thinking where the XXXX did my money go IF my bank ( CITI BANK ) doesnt have it and i can not get a receipt cause my card was DECLINED and i disputed it 5 minutes later with my bank, they declined 2 claims and im on my third claim from this dispute, citi bank is not helping me at all to get my money back they wont even send a agent to check out the scammy insurance place but if they dont have my money im assuming its my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion  with a balance of XXXX when it has been paid.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts, I have not been able to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I received a letter from Midland Credit Management dated XX/XX/2021 that demands I pay {$7700.00}, but this debt is NOT mine. I am a victim of identity theft and have successfully disputed this debt and had it removed years ago from both credit bureaus.. 

Midland Credit Management 's letter says to pay it in full by XX/XX/2021 or I'm being sued by an attorney. 

I want them to stop harassing me for a debt that is NOT mine, that I dispute, and continue to dispute, and further that is the result of identity theft and has been already disputed many times before now. 

Further, per Midland 's own policies, because I am receiving ONLY SSD I am not subject to their collections because that's my only source of income. 

This debt is NOT mine. I want them to stop harassing and threatening me to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to remove a fraudulent charge-off from my credit report, despite my submission of all legally required identity theft documentation. I was notified that exposed my personal data in a security breach, and I have been affected by multiple breaches. Since then, fraudulent accounts and inaccurate negative marks have appeared on my credit report. Under FCRA 605B, credit reporting agencies must block and remove fraudulent accounts within XXXX business days once a consumer provides : An Identity Theft Report ( FTC or police report ) Proof of identity A written statement declaring the account is fraudulent I submitted these documents regarding a XXXX XXXXXXXX charge-off that was falsely placed on my credit report due to identity theft. While XXXX bureau honored my request and removed it, Transunion refused to comply, instead claiming the account was verified. This is a direct violation of federal law, and their failure to act has caused financial harm. I have been losing sleep and constant suicidal thoughts. I am now scheduled for therapy because this has been causing me significant mental stress and emotional stress and trauma every time I check my consumer report and get alerts. I have not been able to eat hardly and have lost a lot of weight due to the stress and hardship. All of my disputes and alerts are being documented as well! I am requesting the immediate deletion of the fraudulent charge-off in compliance with FCRA 605B. If the credit bureau does not comply, I will pursue legal action for willful noncompliance ( FCRA 1681n ) and negligence ( FCRA 1681o ), seeking damages for their failure to follow federal regulations. I expect a resolution within XXXX ( XXXX ) business days from the date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was supposed to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent documents with my first complaint, Experian claimed to not have received so I am resending the documents AGAIN as per EXPERIAN REQUEST SO THAT the fraudulent items can be removed and blocked
Product: Debt collection

To whom it may concern, I never does business with this company CBE Group they got my phone number and call me and I already told them that they has the wrong person and there respond was ok I will remove your number from the caller list, My credit report with all three agency has been Frozen along with a fraud alert, and on XX/XX/XXXX around XXXX I receive a alert from XXXX that this company report a collection on my credit report in the amount of {$2800.00} I am disable has not work since XXXX received social security since XXXX so please I am asking you to have them remove this account asap thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX Account Name : XXXX  Date Listed : XXXX XXXX XXXX Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event Code 7, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests : Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. 
Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. 

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 
Issue the Vehicles Title ( XXXX XXXX ) : As the debt has been charged off and effectively canceled, I request the immediate release of the vehicles title. 

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. 
Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
I expect written confirmation of the resolution of this matter within 15 days. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After using XXXX to check rates for mortgage refinancing in XXXX XXXX, I was contacted by multiple companies. One of these was Loan Depot. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that Loan Depot had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that XXXX had information from XXXX XXXX, 2017 for an inquiry. I called XXXX and they indicated Loan Depot had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this Loan Depot organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to Loan Depot was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
Product: Credit reporting or other personal consumer reports

Im not happy with the excessive about of inquiries on my credit report, it is decreasing my credit score & it shouldnt be on my credit profile IF I didnt make a purchase. This is defamation of character, due to me being denied of credit. ( Too many inquiries ) 15 U.S.C 1681
Product: Checking or savings account

I filled taxes recently and the payment is being held up by them and failure to release funds. It takes up to 3 days to process. Problem the time been beyond 3 days so I would not get my federal and state refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX unit in XXXX NY when I was overseas. After I returned to the US from overseas in XX/XX/XXXX, I had closed my storage unit with XXXX XXXX at XXXX in the month of XX/XX/XXXX. The monthly autopay was set up with XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX I had requested XXXX XXXX to freeze my account but they failed to do so. Inspite of closing my account for the month XX/XX/XXXX XXXX XXXX fraudulently charged my account for $ XXXX/-. I disputed the same with XXXX XXXX XXXX XXXX XXXX with all my back up documents and the vacant storage unit receipt and they did not help me at all. Instead kept adding late charge and raised the level from $ XXXX/- to $ XXXX/- and reported my account as a charge off to the 3 credit bureaus. Since then my credit scores have been tremendously effected and the incredible low score has blocked me from getting a mortgage I had applied for. I feel this is malicious retaliation and I am not willing to put up with this wrongful act any longer. Please help me in resolving this reprehensible act created by Santander and XXXX XXXX.