23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX  charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill.
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. 

Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX The accounts mentioned above have 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

I received a credit monitoring alert ( XX/XX/2017 ) that 2 medical collection ( one for {$30.00} and the other for {$650.00} ) had been placed on my credit report. I have NEVER received any phone call or written communication regarding these medical accounts. I called the original creditor and they stated that I was not listed on the account and that they had NOT reported anything to a collection agency. I then called the collection agency and asked why they reported the account when the original creditor had not reported it, their response was that I was still linked to my ex-wife 's accounts. I told them I have been XXXX  for 4 years but the collection was only a few months old. The collection agency stated that they took the liberty of reporting the account on their own behalf to the 3 CRA 's. I faxed in a copy of my XXXX  decree to show that I was n't linked to my ex-wife anymore. I told the collection agent that it did n't sound very legal in what they did but he turned a bit belligerent towards me and said that 's the was it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and explained that I have not requested to open any new account or anything but there are inquiries that do not belong to me on my credit report. I have submitted a FTC identity theft report to them as well in the past explaining that my identity has been stolen in the past. I am asking that the following inquries be removed from my credit report XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX Card XX/XX/XXXX. I have called and called and called each time I am told something different & the fraudulent inquiries are still listed.
Product: Credit card or prepaid card

My dentist recommended I sign up for a CareCredit account to pay for some dental work. They assured me it was a interest free credit card. I set-up the appropriate monthly payments to ensure the balance was paid off in full within the yearly period allocated. However after the promotional period expired they began charging huge amounts of interest. I understand a judgement was awarded against them in 2013 for this kind of misleading and deceptive conduct. I have paid close to {$2000.00} in interest that should not have been accrued.
Product: Checking or savings account

XX/XX/2024 Commerce bank denied me credit, discriminated against me after receiving my consumer report.
Product: Credit reporting or other personal consumer reports

I had this discover card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$310.00} every month until XXXX XXXX which i am paying every month. I have attached the payment proof. I have been paying every month of XXXX. but for some reason discover have been sending wrong report to credit bureaus as missed payments. Since XX/XX/XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXX and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX regarding the reporting of an account associated with XXXX XXXX. The reporting of this account is inaccurate, misleading, and violates consumer protection laws. I am requesting the immediate deletion of this account from my credit reports for the following reasons : Disputed Ownership of the Account- There is significant uncertainty as to whether this account is even mine. I have not received proper validation from XXXXXXXX XXXX or the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates accurate reporting of consumer accounts. 

Settlement Paid but Reporting Errors Persist- I paid a settlement amount for this account, and it was reported as " Account legally paid in full for less than full balance '' as of XX/XX/year>. Despite this, the account continues to reflect a " XXXX XXXX '' status with multiple late payments. This is a misleading and punitive representation of my credit profile, violating FCRA 15 U.S.C. 1681e ( b ), which requires the reporting of accurate and fair information.

Failure to File Form 1099-C - Axcess Financial/Check-n-Go has reported the account as a " Charge Off, '' indicating a loss to them. However, under IRS regulations, if a debt cancellation exceeds {$600.00}, a Form 1099-C must be filed with the IRS, as per IRS Instructions
for Forms 1099-A and 1099-C. No such form was issued, suggesting the reporting of the charge-off is inaccurate and improperly documented.

Breach of Reporting Obligations - The failure to validate ownership of the account, combined with the absence of required tax documentation, constitutes a significant breach of consumer protection obligations. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute and have inaccurate or unverifiable information promptly corrected or deleted from my credit file.

Due to these breaches of the FCRA and reporting inaccuracies, I am requesting the immediate deletion of this account from my credit reports. The ongoing misrepresentation of this account on my credit profile is unjustified and continues to harm my financial standing. 

Thank you for your attention to this matter and for taking immediate corrective action.
Product: Checking or savings account

check # XXXX writen to XXXX XXXX XXXX XXXX was stolen from post office and the payee was altered and cashed by bank. this was not discovered until XXXX XXXX XXXX XXXX sent me a letter asking for their money.the bank claims too much time had elapsed before I notified them.it was noted on the check that the check was for 2021 taxes.
Product: Mortgage

On XX/XX/XXXX I did not get any confirmation after paying on TD bank that my mortgage payment had gone through, and I attempted to make two additional payments. On the third payment, I finally got a payment confirmation. The next day I saw that TD charged me three times for a total of {$15000.00}. I called TD bank and they confirmed that they would send me a check for {$10000.00} and it would arrive in XXXX business days. 

On XX/XX/XXXX I called to inquire on the status of the check, and they stated that they had accidentally sent it to the wrong address, which is confusing as my current address is the only address they have for me. They agreed to stop pay the check and to overnight me a new check. 

On XX/XX/XXXX, I called again to inquire, and they stated the stop pay had gone through, and that they would overnight a check on XX/XX/XXXX to arrive on XX/XX/XXXX and confirmed that they had a recorded conversation verifying this and that they promised to call me on XX/XX/XXXX to let me know whats happening. I did not get that call. Today is XX/XX/XXXX and I called again and they stated that I would have to fill out an affidavit of loss to make the stop pay go through at which point they are then able to stop pay the check and then they will send the check to the correct address. They stated I would have to go to a TD bank to fill out this affidavit or return one in the mail. 

They have lied several times, refused to follow up on promises, and i am no XXXX days without $ XXXX when I have a baby due to arrive in two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XXXX Requested Removal Authorized User-early or mid XX/XX/2021 Contact made with Fraudulent Representative at XXXX credit services. 

Unnecessary to have name on account ; no access to account. 

Suspect credit card Fraud. 

Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have XXXX addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that XXXX XXXX  XXXX reported negative marks Paid, was past due 30 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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: Debt collection

I have been receiving unwanted calls from Midland Credit Management purchased 3 debts in my name and have sent letters while also attempting to reach out to me calling numerous times in a week, I have mentioned for them to stop reaching out to me, but recently they violated the 7 in 7 rule. On Tuesday XX/XX/XXXX I received 6 calls between XXXX to XXXX from one of their numbers which is XXXX ( XXXX ) XXXX and on the next day Wednesday XX/XX/XXXX I received 5 calls all at XXXX from another one of their numbers XXXX ( XXXX ) XXXX. I received another call from another one of their numbers today ( XX/XX/XXXX ) at XXXX XXXX ( XXXX ) XXXX. Im not sure how to proceed now that theyve violated this but I am making the complaint. Please feel free to reach out if anything else is needed from me. I do have screenshots of the call logs as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my credit report and request an investigation and correction. I am a victim of identity theft, as documented in the Federal Trade Commission ( FTC ) Identity Theft Report with Report Number XXXX, which I have attached to this letter for your reference. Additionally, I have provided all relevant details and supporting documentation regarding the fraudulent activity. 
This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or unfair credit reporting. Relevant provisions include : XXXX. Section XXXX ( 15 U.S.C. 1681g ) ** : My right to access my credit file and dispute inaccuracies. 
XXXX. Section XXXX ( 15 U.S.C. 1681i ) ** : Your obligation to investigate disputed information and correct or delete inaccurate or unverifiable data within XXXX  days. 
XXXX. Section XXXX ( 15 U.S.C. 1681c ) ** : Prohibitions on including outdated negative information. 
XXXX. Section XXXX ( 15 U.S.C. 1681s-2 ) ** : The responsibility of furnishers to provide accurate information and correct errors when notified. 
XXXX. Section XXXX ( 15 U.S.C. 1681m ) * Obligations related to adverse actions based on credit report information.
Product: Credit card

I have hired a 3rd party representative to deal with this company because for years they have damaged my credit stating I owed money to an account I never opened no have I called to open. 
I legally changed my name from XXXX to XXXX in XXXX  I have documents to prove this. I was also broken into twice and have police reports and have reported this and identity theft. They have lost the power of attorney. They havent responded for months. I called and submitted a fraud claim and nothing. They continue to ruin my credit with this charge off that I never opened and have submitted evidence. My poa has emailed : XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX and nobody assumes responsibility. This account needs to be remediated and removed for fraud and they cant even organize their own departments and get this done. Its a complete violation of my rights and I will proceed to sue them.
Product: Mortgage

We started the process of our va home mortgage loan XXXX week fo XXXX. I informed Rocketmortgage / quickenloans that tartlet date is XXXX  of XXXX coz the seller will go back to his town in Idaho. Ive been emailing calling them for 3 weeks no update. This time I called and got mad now they are starting the loan process asking again all the requirements and did credit check 2x. This is really bad. Now theres no new update
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed to credit reporting agency that I did not open any accounts in XXXX or XXXX. Also, collection agencies are reporting inaccurate information to keep account open just to report negative information to obtain a payment.
Product: Debt collection

Midland Credit calls me every single day. On XXXX separate occasions over the past XXXX I have answered and they have told me the debt is for XXXX XXXX. I have told them each time that I have never had XXXX XXXX XXXX and could not possibly owe this debt. They always hang up and then call back the next XXXX I have tried blocking their number but they have hundreds of them and call every XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX XXXXl have already deleted and removed from My credit reports as the accounts do not belong to me. Transunion has refused to remove them even when provided with accurate information along with multiple other accounts theyve been asked to correct. Attached are XXXX  results for the files thats Transunion fefuses to look at
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 15 USC 1681 : 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 XXXX XXXX XXXX XXXX XXXX  # XXXX 7 XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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: Debt collection

ACS, has been posted inaccurate information. I have reached out them many times with no luck. They will not correct the harmful information. I 've never been late but it being reported as late.
Product: Debt collection

This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX  balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.
Product: Mortgage

Hello, PHH Mortgage has only paid me half of what is owed now that I've refinance my loan. The company received the payoff amount from the broker, but I had already made my XXXX payment, as well as extra payments throughout the year, I am owed the difference. Their customer service is incredibly difficult to reach. I just want my money.