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

Despite me having made all mortgage payments on time and as agreed, Residential Mortgage Services has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact RMS 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. RMS failed to properly allocate these timely made payments that I sent to them and in fact RMS sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. RMS failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.
Product: Debt collection

This school has charged me for funds that I do not owe. They have already taken the financial aid and still want more money. These collection companies do not have permission to my personal information so how have they got it
Product: Debt collection

A representative from XXXX XXXX XXXX contacted me in regards to a debt owed from the creditor XXXX XXXX XXXX, XXXX. I told the representative that I am a victim of identity theft and the representative stated to me, he did not believe me. I hung up the phone and the representative continuously called me backed and harassed and verbally abused me by swearing at me telling me, I owed the debt and start telling me I will be arrested if I do n't pay this debt. The representative is in violation of Minnesota debt collection laws and The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports. I noticed some accounts I am unfamiliar with I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1688B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri 's identity theft and fraud protection laws.

It has come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri state law, specifically the Missouri Merchandising Practices Act ( RSMo Section 407.020 ), protects consumers from deceptive business practices, including unauthorized reporting and identity theft. Missouris identity theft laws also emphasize the severe penalties associated with the unauthorized access and misuse of personal information ( RSMo Sections 570.223 and 570.224 ).

I assert with certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights under both federal and Missouri law, resulting in potential damage to my creditworthiness and an undeniable disregard for legal requirements.

I demand that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri law. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under both federal law and Missouri 's identity theft statutes.

This is not a discretionary matter, but a legal obligation under these specific sections of the FCRA and Missouri law. I expect CREDITACPT to promptly rectify these violations and respect my rights under both federal and state regulations.

Done in good faith
Product: Checking or savings account

I opened 3 separate CD accounts with Marcus Goldman Sachs between XX/XX/year> & XX/XX/year>. I NEVER authorized them to take Federal withholding tax out of any of my accounts. I first realized they were taking the tax out of 2 of my accounts on approximately XX/XX/year>. I immediately called and asked them why they were doing so. I was told that I had checked a box that instructed them to take it out. I did NOT check that box because I am NOT subject to, nor do I want them to take the tax out. I was told I needed to sign a signature card that they would MAIL to me for that to be corrected. I asked if the card would be valid for all XXXX of my CDs and was told it would. I checked my account today and they did correct 2 of my accounts ( the account that was opened on XX/XX/year> & the account opened on XX/XX/year> ), but they are still taking withholding tax out on the account I opened on XX/XX/year>! I called them again today and asked why they were still taking money out of the one account and was told that I do have a signature card signed for that account but I would have to sign ANOTHER card to correct the one account? I am extremely frustrated with this company and feel they are stealing my money so they dont have to pay as much interest. I never authorized them to take out withholding tax. The interesting thing is that they did the same thing to my boyfriend. I think this company should be investigated for their deceptive practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was XXXX month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month LoanCare reported the loan as XXXX  days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month Loancare accrued interest on that payment and forced collections on it once the forbearance period was over.
Product: Credit card

On XX/XX/year>, my locked car at XXXX XXXX XXXX in XXXX, GA was broken into and my credit cards stolen. I was unaware for about an hour when I checked my bank accounts online and noted text messages requesting approval. All cards have a {$300.00} limit for validation. XXXX cards denied attempts by the thief but XXXX allowed a {$560.00} charge at XXXX  in XXXX, Ga ( XXXX address is used for XXXX and XXXX as USPS uses zip codes ). I cancelled all cards and requested new ones, filed claim XXXX with Truist. I called XXXX and went to the store where the fraud occurred and was able to get a copy of the receipt. I spoke with the Security Guard who checked the video and remembered the thief who went through the self checkout. He said the video would be available to the police but I could not view it. I called the XXXX police but the dispatcher mistakenly transferred me to XXXX saying that the theft occurred there. I filed a police report with XXXX XXXX ( XXXX case # XXXX ) and emailed it to the address Truist gave me ( XXXX ). XXXX Police followed up and stated that the theft occurred in XXXX and I need to file a report with them, so I did and sent that police report on XX/XX/year> with the receipt to Truist via email ( XXXX Police # XXXX ). I received a form in the mail from Truist to fill out for products not received. I called Truist and spoke to a supervisor who admitted the claim was filed incorrectly and should have gone for fraud and I should have received an affidavit. She also noted that the email address I was given was incorrect so I resent the receipt with Police case numbers to the new email address : XXXX. I noted that the charges were removed from my account until 2 days later XX/XX/year>. I called Truist and spoke with a supervisor who said my claim had been finally denied because I sent a receipt. WHAT??? She said I should get the video and send it to Truist. Again WHAT??? Arent the Truist investigators supposed to review police reports and videos on the report? I called the police and they confirmed that they do NOT send videos to banks. The Banks are supposed to investigate fraud claims and, in this case, I have given them everything they need that verifies my dispute. Apparently, they have not contacted the police or reviewed the video. As of today, XX/XX/year>, I have a {$560.00} bill on the XXXX so I sent another email explaining that the video is with the police report from XXXX and there is also a Police report from XXXX that confirms my report of theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized account listed on my credit report. The details of the account are as follows : Account Number : XXXX Opened Date : XX/XX/year> This account was reported without my written consent, violating 15 U.S.C. 1681b under the Fair Credit Reporting Act ( FCRA ). I never authorized this account to be opened or allowed my information to be furnished to Experian. 

Despite my dispute with Experian, this account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( EQUIFAX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX Equifax ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( Equifax, XXXX, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Initally On XX/XX/2020 I sent a letter requesting verfication of XXXX accounts on my credit reort as the information that was being reported on my credit report as it did not look correct and received no response from any of the 3 credit bureaus. So I sent a follow-up letter on XX/XX/2020 till today and still no reply. I atleast expected their stall post card or letter. This is hendering my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized items in my credit report
Product: Credit card

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Product: Debt collection

My vehicle was broken into and my purse was stolen with all of my identification in it. I was not aware of my identity being stolen until early this year when a creditor informed me that my information was used with the wrong social security number. I was homeless over 4 years and my identity was being used by someone I don't know. I wrote and spoke with several people at the credit agencies but nothing is being done about it. I really need this removed from my credit report. Information that is destroying me from having major XXXX and going back to school. Please assist me in correcting fraud on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

XXXX, XXXX SS # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Progressive sent over a debt to collection for {$420.00}. I called them to let them know that the amount was wrong as well as the debt collector and even disputed it because the amount was incorrect with bureaus. Progressive reached back out and sent an email with the new balance of {$190.00}. Today the amount was back updated to {$420.00} on each bureau which is not correct and I have the email from progressive stating so.
Product: Credit reporting or other personal consumer reports

I've recently had XXXX XXXX and Citibank view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. 

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

On XX/XX/year> at approximately XXXX XXXX Eastern Time, I received a call from XXXX. The caller asked for a XXXX XXXX. When I asked who was calling, I was told it was " XXXX '' from MCM. An online search of the number revealed that this was Midland Credit Management. I told XXXX that I had previously asked not to be called and refused to provide my identity. I asked to speak with a supervisor and was connected with " XXXX, '' who said that I would not be called again. I am doubtful that this will be the case.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing verification of inaccurate information on my credit report. Despite my previous disputes, the following details remain incorrect : XXXX of Last Activity XXXX. Date Opened XXXX Reported Date The dates listed are inaccurate and do not reflect the true status of my accounts. I am deeply concerned about how you have verified this information. 

I request a thorough investigation into these discrepancies, and I expect that the inaccurate information be corrected immediately. Please provide me with a detailed explanation of your verification process and how you concluded that these dates were accurate. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information in my credit report is accurate and up-to-date. Continuously verifying incorrect data not only violates my rights but also damages my creditworthiness. 

Thank you for your prompt attention to this matter. I expect to hear from you soon with confirmation that the necessary corrections have been made.
Product: Debt collection

XXXX XXXX this complaint is once again against XXXX and XXXX as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you
Product: Credit reporting

I had an account report from XXXX XXXX XXXX an owed account on my credit report for the amount of {$2000.00} that I am certain does not belong to me. I mailed a certified letter received on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX and received a response from my inquiry dated XX/XX/XXXX. The letter included my name, current mailing address and social security number. The response included information and a credit account tied to a person name XXXX XXXX. I now have the private information belonging to another person, tied to may address. My understanding is that this breaks federal credit reporting laws and regulations. As well, I am certain the information they are claiming belongs to me and are reporting to Experian and XXXX are also incorrect. I am requesting help in immediately removing the fraudulent and incorrect reporting to all XXXX credit bureaus as well as the the extraction of all of my personal information from XXXX XXXX XXXX. Thanks for your help and immediate response.