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

XXXX. XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX  days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Prepaid card

The company netSpend has mailed me an unsolicited, unwanted personalized prepaid debit card, received today, XXXX XXXX, 2015. I have not ever asked for this card. It is unsettling receiving an unsolicited card with my name already personalized, and a sticker with phone number for me to call to activate it in my name. 

Calling the company requires interaction with an automated voice system and the only way to get to a person at all without getting kicked off the call is to select an option that is not for the reason I was calling. After several attempts to get to a live person, I pressed the number for " If your card is lost, stolen, or you 've never received your card ... '' Even then, the system reported that they were experiencing a heavy call volume and gave me options to hang up, select a time for a callback, or have someone call me back as soon as possible. I reluctantly selected a call back, but have yet to hear from anyone. 

Because I am very concerned about my identity records, unwarranted liability, and financial vulnerability, this has taken my time and attention trying to reach the company to scold them for sending me this card and demanding that they remove my information from their system. This business practice must stop! 

I am filing this complaint for the financial and privacy reasons stated, but primarily because of the stress of receiving the card in the mail at all and feeling that I needed to do something about it right away, although it is wasting my time to do so. 

Thus far, the company has prevented me from complaining to them about their actions and I find that grossly unacceptable. Their computerized phone interaction is unfriendly and dismissive at best, not allowing me to accomplish what I called about at the number they publicize on their web site and on the back of the card they sent. 

There is very tiny print on what I got in the mail giving information about how to decline the card offer and/or opt-out of future mail offers from netSpend. It is tucked away and does not address the problem I am reporting. I should not have to ask not to receive such mail with a personalized card enclosed. Something like that should never have been sent. I should not even need to go to the trouble of shredding the card and filing a complaint about receiving it.
Product: Debt collection

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.
Product: Checking or savings account

My name is XXXX XXXX and on XX/XX/2018 I opened a XXXX XXXX savings account with American Express XXXX XXXX. Over a period of two months I deposited {$300.00} dollars into the account and set an automatic payment option into the online system to deposit {$100.00} per month. The money has been deposited each time per this automatic payment. 

I recently logged into the account to find my account was closed, despite my continued depositing of automatic payments. I have called American Express XXXX XXXX   multiple times and they simply state my account was never opened. If I log into the American Express XXXX XXXX Website, it states my account is closed. However, when I check under XXXX XXXX, it states the account was opened on XX/XX/XXXX and my external banking source ( XXXX XXXX XXXX ) was linked. My bank statement from XXXX XXXX XXXX also shows this money being transferred to XXXX XXXX XXXX. 

Since the account was closed, I have not received any of the funds I transferred into this account.
Product: Money transfer, virtual currency, or money service

I had 4.90 cents in my PayPal the charge went through twice unauthorized and my bank account was connected so it proceeded to charge my bank money that was not in the account I could not cancle or do anything till the transaction wasn't pending meaning pulling again but I did not have the money to cover it I got my bank to waive the nsf fee once for overdrafting but three days later paypal tried again I contacted them they finally canceled the transaction for me but I had already gotten another nsf fee for overdrafts paypal gave me a letter for my bank but my bank did not except it and now my accounts been in the negative since is there anything I can do
Product: Credit reporting or other personal consumer reports

I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXXXXXX XXXX  XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were $ XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.
Product: Mortgage

Mortgage Details : In XX/XX/2006, My late husband XXXX XXXX entered into a mortgage agreement with XXXX XXXX XXXX XXXX on our propertry located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. This mortgage included a 2nd mortgage, which was subsequently sold or transferred to Specialized Loan Servicing in the last couple of years. Disappearance : For over 10 years, there was no communication or correspondence from any lender. During this period, no statements, invoices, or any form of communication regarding the 2nd mortgage were received. Recent Activity : In the past couple of years, Specialized Loan Servicing ( XXXX # XXXX ) suddenly resurfaced, attempting to foreclose on my property. They sent a Notice of Default ( NOD ) and demanded full payment, including interest for the period in which no statements or communication were provided. Violation of Law : The demand for full payment, including interest for the period when no statements were sent, is in direct violation of applicable laws and regulations, This is typical of Zombie Loan debtg buyers infringing on Home owners rights. Complaint : Unlawful Foreclosure Proceedings : Specialized Loan Servicing 's attempt to foreclose on my property based on a zombie 2nd mortgage that resurfaced after a decade of silence is highly irregular and unjust. The lack of communication and any indication of the existence of the mortgage during this extended period makes their sudden foreclosure attempt unjust and unwarranted. Charging Full Interest : The demand for full payment, including interest for the period in which no statements or communication were provided, is a clear violation of consumer protection laws. It is illegal to charge interest on an obligation when the borrower has not been provided with regular statements or communication regarding the debt. When I requestred a copy of the Mortgage note from them to confirm they even own my loan I was sent a copy of my first mortgage note which is highly unusal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX Re : Dispute of Unauthorized Hard Inquiry XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) Dear Experian Dispute Department, I am writing to dispute an unauthorized hard inquiry that appears on my credit report, as I did not grant permission for this inquiry. Below are the details : Name of the company that conducted the inquiry : XXXX XXXX Date of the inquiry : XX/XX/XXXX Reason for the dispute : I did not authorize this credit inquiry nor did I apply for any product or service that would justify this action. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be removed from my credit report as it was conducted without my authorization. 

I kindly request that this dispute be investigated and resolved promptly. Please inform me of the outcome of your investigation in writing. 

Thank you for your attention to this matter. I am available to provide additional information if needed Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Prior CFPB # XXXX did not resolve the issues and if fact Equifax compounded their errors, by not fixing the issues and wrongly report for XX/XX/XXXX the balance had increased. Equifax reports the wrong balance for XX/XX/XXXX, and XX/XX/XXXX, as well as reports that there no available balance history for the months of XX/XX/XXXX and XX/XX/XXXX. The following is the correct historical monthly balances : XX/XX/XXXX ( {$2300.00} ), XX/XX/XXXX ( {$2200.00} ), XX/XX/XXXX ( {$2100.00} ), XX/XX/XXXX ( {$2000.00} ), and last payment XX/XX/XXXX ( {$1900.00} ). 

My Personal Installment loan originated XX/XX/XXXX and there are a total of 33 months of payments that have been paid. However, Equifax reinvestigation only reviews 28 months and does not account for the missing 5 months that were not reviewed. As a result of the most recent CFPB response, Equifax errors have resulted in a decreased in my FICO score by XXXX points. Their negatively impacting my ability to secure refinancing of my current mortgage and/or obtain a fair rate for Home equity line of credit. I request that I be financial compensated {$1000.00} for damages each and every month that Equifax unfairly reports the wrong balances that have negatively harmed me as a XXXX year old XXXX XXXX. I believe the damage fines will encourage Equifax to fair treat me as is my right under the Law
Product: Checking or savings account

I received a call from Bank of America today about a possible fraudulent checking account that was opened a week ago. The hacker applied for the checking account online and upon further inspection, it looks like several transactions have already been made since XX/XX/XXXX ( 4 transactions on XX/XX/XXXX, and 4 transactions XX/XX/XXXX ). I am unsure why I was notified of this a week after opening. It looks like money was put in through XXXX transfers with people 's names, and then taken out via an ATM in NY. Bank of America 's checking fraud department told me they would try to close/reject the account, but it won't happen immediately because it needs an investigator to look at it first. The identity thief also added 2 telephone numbers and their own email to my account profile, which I asked them to remove. I asked the company if they could trace the phone numbers or email address 's IP back to someone, but they did not give me a strait answer and only said it would be investigated. Unsure if this person is scamming other people because there are names associated with the XXXX payments that went into the checking account. I have since also placed a freeze on my credit and am filing a police report. My advice to others- don't trust XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX hasnt validated the so call debt with supporting documentation after multiple attempts. Dispute the debt through transunion and nothing has changed.
Product: Debt collection

I had billing disputed with an original service provider ( XXXX ). They billed me incorrectly for a service ( either by poor oversight or fraud ). I called them 6 times in the last 12 months to resolve the billing error. They never replied and instead sent the debt to XXXX XXXX XXXX. XXXX XXXX never notified me about the outstanding claim of debt. They reported the collection debt against my credit violating the Fair Debt Collection Act section 8a. I was given no ability to resolve the claim and only found out when my credit was run and saw the notation. Consequently neither XXXX XXXX or XXXX XXXX have made any effort to resolve the dispute despite me making every good faith effort to resolve the billing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer from Capital One to obtain a business credit card. So I called & applied. 
When I applied, the rep asked for my social security number. I advised her I was applying under my business Tax ID. She said they just use my SSN to verify my identity. They tried to pull my credit report but my credit was locked. I asked again that I did not want it under my personal credit. She assured me it was a business cards and would report under my Tax ID. I unlocked my credit so they could pull my report and verify whatever they had to do. 
Fast forward to yesterday, I received a credit alert that Capital One reported to my personal credit. The card and balance were reported to my personal credit, contrary to what what was advertised & what I was told.
Product: Debt collection

XXXX XXXXXXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. Also effective XX/XX/2022 no medical debt should be in a consumer report.
Product: Debt collection

I have received a letter telling me I owe XXXX dollars to XXXX, from Resurgent Capital Services. Many times I received e-mail sasking for this money- to which replied once I never had XXXX for this and someone said they will no longer bother me. 

Now I get a letter in the mail dated XXXX XXXX -it appears to be fraudulent? Anyways, It lists some phone numbers and says bill is from them in XXXX at an address ( which I lived in for a couple of months in XXXX ) - Here is one mistake of the fraud doers. 

I NEVER USE XXXX. I Have ALWAYS USE PREPAID CELL PHONES, and while I used to change numbers often I NEVER CHANGED MY prepaid cell phone companies. I MOSTLY used XXXX  and a couple of other prepay companies ALWAYS PAYING MY BILLS IN CASH BEFORE FOR THE MONTHS- so this is NOT my bill.
Product: Credit reporting

I just checked my credit score on XXXX and my score on transunion has gone down again. There have been inquires added to my report which I do not understand as I have not applyed for credit. Some of these inquiries that were put on are from the year 2015 how is this possible? I am complaining because I am trying to obtain credit and I am very concious on paying my bills and keeping my credit report accurate. There are disputes I have pending with all XXXX credit reporting company 's however how does transunion add XXXX inquires on my report that they claim were done in the year 2015? this is affecting my score in a negative way and I am very upset how they get away with this information that I did not do.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

i got scam by transferring money to XXXX. I asked to dispute my charge and they said they don't have the policy with XXXX so they can't help protect customer like me. I lost XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries nd Inaccurate accounts reporting
Product: Credit card

No knowledge of this account I sent police reports and asked for original agreement between us.
Product: Credit card

On XX/XX/XXXX I attempted to use my Victoria Secret credit card in a store located in XXXX, North Carolina. Once I submitted my Victoria 's Secret store credit card for payment it was declined. I exited the store and immediately contacted the customer service phone number located on the back of the Victoria 's Secret credit card. 

The customer service representative informed me that my account had been closed due to lack of activity. I was told I would have to allow her to run a credit check in order to be able to use the card. 

I declined to submit to providing my information for a credit check as an inquiry could have possibly lowered my score. I was unaware as to why as a card holder in good standing I would have to submit to a credit check. I never received anything in writing informing me that I would be subjected to such treatment. 

On XX/XX/XXXX, Comenity Bank/Victoria 's Secret ( again ) closed my credit card due to inactivity, and this time my XXXX score declined by XXXX points and I was told the card would not be reopened. I would be able to apply again in 30 days if I wanted to be considered for another card. 

I am filing a complaint for misinformation about the status of my card ( XX/XX/XXXX, referring to the account being closed ) and the subsequent closing of my and the harmful effects to my credit despite my attempt to try to use the card. 

As a form or remediation, I would like my card reinstated as I was falsely told it was closed, and later told the same thing and was not offered the option to conduct another credit check. Also, I would like to report that the practice of re-running my report for a card currently in good standing seems like an unfair practice.
Product: Mortgage

We have found ourselves in a unfair mortgage that adds interest on the back of the loan. We owe more than the property is worth. We have recently been sent a city assessment that is XXXX less than the loan. We went to our local BOA loan officer and told him we wanted to refinance the loan with the current worth of the property. He said we needed to contact the bureau and contact the Attorney General 's office in order to refinance. We are asking for a loan modification with this property. We have paid Bank of America for 10 years and we owe more now than when we started further more the market has reset the worth of the property with a THREE year assessment that is XXXX LESS than our loan. We need immediate action on this loan. We have been excellent payers and have NOT been late on our payments but when this adjustable loan resets with current figures we will NOT be able to make the payments. Bank of America has made us go this route instead of helping us rest the loan to the real value of the property!