23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached 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. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.
Product: Credit card or prepaid card

i had a join account with my husband, we have about worth {$1000.00} points. The bank transfer my rewards points to other people by mistake, and i tried to ask them to fix it for me, but they never do it for me, never response back to me. 
this is the relate credit cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me. 

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

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But Experian, XXXX XXXX, and XXXX all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Product: Student loan

I am currently enrolled at XXXXXXXX XXXX XXXX University as a full time in person student. Navient is refusing to recognize this and are trying to force me to pay while I'm in school while ignoring all the documents I've sent them proving that I'm currently enrolled.
Product: Debt collection

Payment in full was made to the XXXX Bank - XXXX sent payments to MCM - MCM since XXXX 2015 has not returned the overpayment of {$350.00} despite repeated calls and attempts on my behalf for them to do so.
Product: Credit reporting or other personal consumer reports

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed NUMEROUS of INQUIRIES that I did NOT authorize. I was victimized by identity theft. Below is the fraudulent accounts that do not belong to me and I am requesting that these inquires be IMMEDIATLY & PERMANTELY removed -- -- XXXX XXXXXXXX XXXX InquireXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 *XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX NA Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX BANK NA Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX CARD Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX DC Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  The above inquiries was NOT authorized ... These are not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from my credit report. -- ----
Product: Credit reporting or other personal consumer reports

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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, the major credit reporting companies falsely reported me being delinquent on my XXXX student loans, however it has been in deferment for the past XXXXyears. This  error has caused a negative score on my credit score. I tried to resolve with XXXX last year but they said they can't do anything about it & to contact the credit reporting companies - I filed an online dispute with each of them but it was denied despite me submitting the evidence the account is current and in forbearance for the past few years. On the credit reporting sites, it says I was late 90 days for each XXXX loan, however in the pic you can see the green dots indicate on time, plus I made a payment in XX/XX/XXXX on both loans - please note my forbearance ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that's when I learn that my identity was stolen and my name was used to create fraudulent account in my name, I have been disputing these accounts but I haven't gotten any responses, just the confirmation of theses accounts, I have called the creditors and sent letter to each and every one of the creditors, this report is the first step to document this incident and hopefully the start of cleaning my name.
Product: Mortgage

Not getting extension on forbearance and not given the opportunity to apply for a deferment payment plan Please help
Product: Vehicle loan or lease

I never opened this account nor have I have knowledge of this account or debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance in paid and when it updated it did not show my correct balance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Product: Credit card

I would like to dispute the Chase credit card on my credit report. I never applied for any credit card.
Product: Mortgage

My mortgage has been with Mission Loan Servicing since XX/XX/XXXX. In XXXX of XXXX they failed to pay my insurance via my escrow account for the first time. After weeks of dealing with many different customer service reps they agreed to pay my insurance, as stipulated in my loan documents. No one was able to provide a reason as to why this was changed in the first place. 

Fast forward to now, XX/XX/XXXX and they are now attempting to raise my monthly mortgage amount by {$270.00}. The only answer they're able to provide is that there is a " shortage '' but no one can explain why or how they are getting to this figure. If they continue to over-collect for XXXX there will be 25 % more money in my escrow account than is required to pay for my property tax and homeowners insurance bills. A whopping {$3700.00}. 

In five years with this company servicing my mortgage ( and 10 years in the industry ) I have never seen or heard of any lender over collecting by that much. 

Each time I call I am passed around and not given any answers or actual help. I believe that they've automated their systems without checks and balances and are holding significantly more of my money than is necessary. The sudden increase in my monthly payment is unfair and deceptive.
Product: Mortgage

after hurricane Irma I was given 3 months no payment to be added at end of mortgage. due to state of emergency. when I went to pay my XXXX mortgage it stated I was three months late. I contacted company to ask why. They stated they were told they did not have to honor that agreement and I had to pay 4 months now all at once.my job relocated after hurricane & house was for sale. closing XXXX/XXXX/18. they have ruined my credit and lied. we were in a disaster and company never notified me that they were not going to honor the agreement to thousand of people not just me. I want credit fixed and them to honor agreement and let me pay my XXXX and XXXX payment. & restore my credit so I may buy in area I work in now
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012, while I was XXXX to XXXX I attempted to close a joint account at Union Bank of California, I paid what I owed and had a XXXX balance, I called to cancel my account and the bank told me I had to walk in to their bank and close, I told them I was unable to and they told me I would incur a XXXX dollar charge a month to keep the account open, I told them I refuse to pay and to close the account and they told me no, 6 months pass they finally close the account and charged me XXXX dollars to keep the account open for that period, they harassed me by phone and sent delinquent letters finally selling my account to a credit collector who harassed me some more, this company has refreshed my file just recently and now 8 years later union bank is reporting me as still delinquent and the account as current charge off ... .seriously is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted trying to get Transunion to fix the errors required by law for them to look into to be fixed on my credit report. I have sent Transunion all supporting documents of my complaints and police report. I 've called them and written them as well and have received no response from them. My File number is XXXX. My file contains errors under the personal information section that does not belong to me. I 've never lived in Texas and I do n't know anyone that does. There 's an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address is NOT MINES! This address was reported in the year of XXXX which is the same year I was a victim of identity theft! Transunion has my name listed as XXXX. My name is XXXX NOT XXXX! They have four numbers of which none of them belong to me. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. They took down the number I called from in XXXX when I placed the fraud alert but I told them that was not my number and I did n't currently have a phone at that time. The following accounts listed are accounts I 've disputed numerous times and all they did was send me one letter that says " dispute not specific '' that 's it! The accounts are as follows : ( XXXX XXXX Account # XXXX ) : ( XXXXr Account # XXXX ) ( XXXX XXXX Account # XXXX ). This is my final warning before I pursue legal action against Transunion. to ensure compliance with this complaint and to halt any legal action I may take against Transunion I require a response from them. Failure to do so will act as evidence of their infringement upon my legal rights and I will immediately start legal avenues to remedy this situation
Product: Debt collection

i am a victim of the XXXX  data breach and my information has been compromised. the account they are reporting is unvalidated and is not mine and is currently in litigation. 
please have them remove this unvalidated information from my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$7800.00} XXXX XXXX XXXXXXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX  Balance {$3500.00} XXXX XXXXXXXX : XXXX Reference Number XXXX XXXX XXXX : XXXX  Reference Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I have a bill from XXXX XXXX in XXXX XXXX, I made a payment through the website they send me through physical paper mail. It's a third-party; Insta-med. To pull up the information and owe you required to have DOB ( Date of Birth ) and Account Number link with XXXX XXXX. Yes, XXXX  mess up and transfer my payment through XXXX XXXX XXXX XXXX XXXX XXXX ) local in Texas ( I never been to Texas states in my life, if you count the transfer airport then I might ). 

Now XXXX XXXX has been withhold my money for nearly XXXX  months ( I thought I had paid XXXX XXXX through XXXX ), I only know after XXXX XXXX transfer me to Debt Collector ( AR Resources, Inc ). I have email to them, request the money back, they said they can't because it pass XXXX  days calendar. After several ( XXXX weeks XXXX calls ) try to contact Operation of XXXX XXXX offer a check back to me. I had not heard anything from them since. I email my concern to XXXX XXXX XXXX replied the same, ask me ; myself to contact XXXX XXXX to request money back. I still have proof of email send, employee email from XXXX XXXX, and receipt I got from XXXX payment. 

I expect the XXXX resolve this since its their fault, not mine. 
They keep saying I'm the XXXX mess up the website, let say in theoretical, I enter wrong the website, then how can I enter to make payment with out account number if XXXX XXXX has no record of me, no account number of me, no DOB of me?
Product: Credit reporting or other personal consumer reports

According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to correctly process my payment constitutes a breach of this act. 

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. The failure of your system to accurately process my payment constitutes a violation of this Act. 

never got a response never got a call back I have grown tired and wearry on the sitituation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX have multiple inquires on my account that I did not authorize.