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

I contacted Equifax several times without any resolution. I have explained that I am a victim of identity theft. I sent them my ID, police report & identity theft report & the accounts that I have explained are fraud accounts they ignore my request. I am asking that the following accounts be deleted as they are not mine, I did not open & don't know who did. THESE ARE FRAUD ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( several accounts ) & XXXX XXXX XXXX XXXX two accounts ) & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681b of the FCRA explicitly defines permissible purposes for accessing consum XXXX credit reports. These purposes include, but are not limited to, credit transactions, employment background checks, and account review by existing creditors. The organization in question did not have a permissible purpose to make multiple hard inquiries without my consent, as these XXXX XXXX by law. 
If no permissible purpose can be established for one or more of the inquiries, I request that you have these inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am have been currently active in reviewing my credit history and have found accounts in collections handled by XXXX XXXX XXXX which are not accurate nor mine. I have tried asking for documented proof or other identifying proof and the company checks off their database but provides no transparency to myself. 
Ive yet to receive one call or even one letter, no notification has been made to me that I owe on outstanding debts held by them, and yet it is stated on my report. 
Under the FCRA laws I have petitioned documentation and verification of my data, I have petitioned that this be validated to me as well as the manner of such reporting. 

No account number is listed so there is nothing I can reference beyond what is stated in this query. 

I have asked numerous times that this result, which I believe to be a mixed file issue, be resolved. I have yet to have any due diligence or compliance from the company and need help.
Product: Mortgage

Purchased house XX/XX/XXXX. Applied for XXXX exemption with tax office and was granted early XXXX (? ) for XXXX & XXXX. Paperwork filed with Lakeview LoanCare Mortgage and they notified us Id get a refund of more than {$5300.00} in XXXX. Each time we called ( 4 or 5 times with our tax office & mortgage co ) we get nowhere. I still have not received a check!
Product: Credit reporting, credit repair services, or other personal consumer reports

" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company ServiceMac on XX/XX/2021. ServiceMac provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per SERVICEMAC. XXXX made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Account : XXXX XXXX/XXXX XXXX XXXX Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

THIS IS NOT A REQUEST FOR A DISPUTE Enclosed are the following : A copy of my Identity Theft Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Navient and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by Navient Department Education Loan Servicing for the period XX/XX/XXXX - XX/XX/XXXX. However, Navient reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and XXXX, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both Navient and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. Navient has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.
Product: Mortgage

You have helped us earlier in a related matter ( Case number : XXXX ). 
After your involvement, as well as a phone call from our Congresswoman, XXXX XXXX, Bank of america ultimately did not foreclose on my father-in law. 

However, every XX/XX/XXXX they raise his mortgage a few hundred dollars and my wife and I have to go through quite a bit of red tape to get this problem solved. My father-in-law died XX/XX/XXXX and my wife and I are in the process of selling this house and we are making the bi-monthly ( every two weeks ) payments in the mean time. 

This is all related to the previous problem of the foreclosure notices. Here are the details. 

My father-in-law has a bi-monthly mortgage he got from Countrywide. B of A subsequently acquired Countrywide -- B of A does not issue bi-monthly mortgages and their computers do not recognize them. B of A computers register the first payment of the month ( as being deficient ) and do n't register the second payment at all. This is what caused the foreclosure statements in 2013. 

B of A had no clue what was going on here -- I figured this out for them and although, with your help, they stopped the foreclosure they still have not updated their computers. As I have stated, though these are referred to a bi-monthly mortgages, the payments are actually every two weeks ( 26 payments a year not 24 ). B of A 's computers are not counting the two extra payments and every XX/XX/XXXX they say that escrow is short and raise the payments a few hundred dollars a payment -- every two weeks! 

Every year they say it 's because the taxes and insurance have gone up, which is true, the insurance goes up maybe {$20.00} and the taxes about {$50.00} but that does n't add up to an additional {$200.00} times 26 payments. 

So every year we have to go to the bank, have them get on the phone with the mortgage folks and painstaking point out to them their errors. When they finally figure out what 's going on they tell us that we will just have to come back every year to straighten things out. This year the mortgage folks passed us off to collections which is where B of A is now dealing with all of the Countrywide bi-monthly mortgages. 

When the foreclosure issue was initially resolved, I asked our branch VP how many people B of A had thrown out of there houses for this same accounting problem, she admitted " probably a lot ''. 

Please have B of A fix this issue. Better yet, put them out of business. They are not too big to fail. They are too big to conduct business in an efficient and lawful manner.
Product: Mortgage

On XX/XX/2023, I submitted a request to Mr Cooper to approve a sublet of my Co-Op XXXX XXXX of which Mr Cooper currently holds the mortgage ). I was told to email the request to XXXX. It took XXXX phone calls to customer service to find out I needed to provide several documents with the request. Mr Cooper has no information on their website regarding this type of request. I provided the documents on XX/XX/XXXX. 

On XX/XX/XXXX, more documents were required by the Research team, of which I provided on XX/XX/XXXX. It has been 31 days since my request for a simple letter of approval to sublet, and, I still do not have a resolution. I am in daily contact with their Customer Service department, as they do not have a phone number for the " Research Team. '' It's clear to me that their Customer Service department has no access or visibility on my request and their only update to me is that " the request is in process. '' An approval to sublet is a time-sensitive request, and should be treated as such by the mortgage lender. In this day and age of technology, I see no reason why a request from a mortgage holder in excellent standing should take more than 15 days. Additionally, Mr Cooper does not provide any transparency to the consumer on the process ( required documentation, timeline, expectations ). It's been 31 days and counting, and I still do not have a resolution from Mr Cooper on my request. 

Mr Cooper XXXX XXXX # XXXX
Product: Debt collection

I had a credit card account with XXXX. I got behind on the payments because I was paying my winter gas bills. I received a statement from XXXX showing the debt was charged off. Then I received a letter from the Jefferson Capital collection agency requesting payment. I e-mailed them a settlement offer. They refused the offer. 

I received a collection letter. They want 90 % of the balance {$890.00} payed in 30 days. I already told them I live on limited income. I am willing to settle for at least 75 % of the balance payable in at least 10 monthly payments starting in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$260.00XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Pursuant to FCRA 605B ( 15 USC 1681c-2 ) To Whom It May Concern, This letter serves as an official and urgent request that you, Experian, immediately block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint.

The fraudulent accounts in question include : 1. **Personal Loan Account - XXXX ( Opened : XX/XX/XXXX ) XXXX. **Collection Account - XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) These accounts were not opened, initiated, or authorized by me. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer XXXX credit report. I do not recognize these accounts, and they must be removed immediately. 

Enclosed with this letter, you will find : XXXX. A list of the fraudulent accounts in question. 
XXXX. A copy of my consumer XXXX credit report, highlighting the fraudulent items. 
XXXX. A copy of the FTC Identity Theft Complaint ( XXXX ), which confirms that these accounts are indeed the result of identity theft and fraud. 

I also wish to highlight the blatant inconsistency in the balance of the accounts, as XXXX separate entities are falsely claiming ownership of the same debt. This not only reflects negligence in verifying the accuracy of the information provided to you but also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), to which I am fully protected under the law. 

Given the harm caused by these inaccuracies, I demand that both accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. 

Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. 

I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Product: Debt collection

The lease ended and I moved out. Eviction notice was still filed and the maintenance men began moving things out of the house.
Product: Money transfer, virtual currency, or money service

Hello Dear Sir, I am reporting this incident that happened to me with a broken heart.I am a XXXX  by profession. I live in XXXX, XXXX. 

On XXXX XX/XX/, my wise.com account which I used to receive my remittance dollars through XXXX  was hacked and more than {$72000.00} USD was stolen from that account. 

I have reported this to Wise.com bank. They started an investigation. But, after 8 months of waiting period and investigation, they weren't able to recover any funds. Also, they refused to reimburse or refund me my stolen funds in their final response. 

Sir, I need your assistance to recover my funds. It was a big amount of remittance stolen from me through a cyber-attack. My phone was hacked somehow which I used to receive XXXX. I haven't received any OTP for making those payments. The Bank is making me liable for this and they even didn't try to track the money, where it goes. 

I have all the documents and invoices of my payments and wise account transaction histories. These are the transfers that made from my Wise account.
Product: Debt collection

While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called Acima Credit, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with XXXX, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with XXXX at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with XXXX for not removing this false loan from my report, and I also dispute with Acima Credit this loan. I did not authorize this. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to find out why my credit score went down XXXX points!!!! On XX/XX/XXXX when nothing would have warranted my credit score dropping this much, considering this did not happen on XXXX or XXXX. My credit score was almost XXXX, and every time my credit almost reaches XXXX, these credit agencies always drop my credit score, for the past XXXX years this has been happening. And I will attach proof. One instance it shows an increase in a creditors balance, and on the equifax actual website, it shows this creditor is actually CLOSED!! In fact, I have a lot of creditors that show non existence accounts that I am having to dispute.
Product: Credit card or prepaid card

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputed these charges and Bank of America keeps denying the claim. They said I needed a police report so I made one. Then they still denied the charge. Then they said I admitted to the charges which was false. They said since I paid the charges that was me admitted to it. I paid the charges because I was purchasing a house and also I didn't want a late charge on my credit report. I have spent countless hours on the phone with BOA and nothing gets done. I have called the merchants also and they say we will call you back and they never do. During the time of the charges I never traveled and in fact I never traveled to XXXX in the past 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by informative research. I don't recognize this inquiry nor have I applied to any service of such type this year.XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX  load on XX/XX/18.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the credit bureaus and have also contacted Citibank directly, but the account is still being reported as charged off with derogatory remarks. 

This reporting is inaccurate and harmful, and I believe it violates the Fair Credit Reporting Act ( FCRA ) and does not align with Metro 2 data furnishing guidelines. The information has been hurting my credit score, causing denials, increased rates, and general distress.

Ive now submitted a Notice of Intent to Arbitrate and am prepared to escalate this through JAMS arbitration if the issue is not corrected.
Product: Credit reporting or other personal consumer reports

Hello Today I Woke Up To Check My Credit On Equifax and noticed I had 6 Hard Inquires that were a result of Factual Identity Theft, i attempted to dispute these with the credit reporting agency known as Equifax through there website! I gave them the police report and the FTC report that stated the items on the report a result of identity theft and within less than 24hrs of submitting a dispute with all my information they denied my request to remove these Fraudulent inquiries from my report it is a violation to report inaccurate items to a consumer report especially resulting from misuse of an identity theft Case!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed an identity theft with FTC and sent all supporting documents to TransUnion & XXXX First letter was in XXXX and I have sent 5 letters including copies of the fraud report and they still have not removed this item from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, XXXX  XXXX XXXX abruptly switched my XXXX credit card accounts to Comenity Bank, with their parent company being Bread Financial. New cards were alleged to have been sent on that date. Today, XX/XX/2022, I have not received the original cards that were said to have been sent, nor the " replacement '' cards the bank promised were sent on XX/XX/2022. Instead, over 2 dozen phone calls, emails, tweets to Bread Financial and Comenity have been met with failed explanations, nasty rude behavior by their CS agents, claims of call backs that don't come or come and leave me stuck calling back the trunk line. Now, I've received a hard copy statement for one account to my home, and an email statement as well, but no cards. This is happening to many but I need help please.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an eviction on my report listed with the XXXX General District Court in XXXX, VA. The landlord is willing to write that this is an error on my report and should be taken off. When I call Experian XXXX XXXX  to ask how to do this, they say they can't see it and they can't help me and to ask the 3rd party company that does the credit checks, called XXXX XXXX. BUT I have a hard copy that shows this on a 3rd party credit check company that my new landlord used called XXXX XXXX. XXXX XXXX will NOT talk to you and says you have to talk to Experian as this is where the info is pulled from. I am going around in circles. This is completely UNFAIR and I need help asap. Thank you!