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

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report. The following is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 XXXXXX/XX/XXXX. Per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day, CREDIT KARMA has made 104 INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
1681A,1681B, M15USC1681N {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to CREDIT KARMA Negligence making a 104 INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.
Product: Credit reporting or other personal consumer reports

This company is reporting incorrect information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me. Also per the XXXX the said agency isn't licensed to collect debt in the state of Louisiana as I have also requested their license number to conduct business in the state of Louisiana which I have yet to receive. 

15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Product: Checking or savings account

I was charged by someone using my phone when it was lost to send money via XXXX and XXXX XXXX to un-authorized transactions, linked to my Chime checking account. I presented to them in a very timely manner within the same day of it happening, they provided me a provisional credit. They came back a few weeks later with a report saying they are denying my claim and that I ower them XXXX dollars now. I was disgusted that they could do this to me during a pandemic, and of course, I don't have any other " proof '' to provide to them to support this claim. Anyways though, it was fraudulant and now I am doing my best to format a complaint about this.
Product: Checking or savings account

Capital one was supposed to deposit my paycheck into my account on XX/XX/year> but is now having issues across the world with depositing multiple customers paycheck which is causing a huge inconvenience
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : Consumer Adjustment Co. 
XXXX XXXX : XXXX XXXX : {$1700.00} Account # : XXXX This account does not belong to me and appears to have been established fraudulently as a result of identity theft. Additionally, it is impossible for this account to be mine because at the time this account was allegedly opened, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. The account was not authorized, created, or used by me. To address the situation, I have taken the following steps : Reported identity theft to the Social Security Administration ( SSA ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report to confirm this account does not belong to me. 
Disputed this account with credit bureaus to ensure its removal. 
Additional Supporting Details : At the time this account was opened, I was XXXX on XXXX XXXX in XXXX, XXXX, and could not have applied for or opened this account. I have included documentation of my XXXX to corroborate this fact. 

Amount in Question : The account reflects a balance of {$1700.00}, which is not my responsibility.

Actions Taken by Me : Reported the identity theft to the SSA and obtained a new SSN to prevent further misuse of my information.

Filed disputes with the credit bureaus regarding this account.

Sent a formal request for the removal of this fraudulent account from my credit report.
Product: Credit card

My Citi credit limit has been reduced twice in 3 months, with detrimental impact to my credit score. The first time was mid XX/XX/XXXX, the second time was today XX/XX/XXXX. I did not use the card last billing cycle, and most recently paid almost double the minimum payment. 

I have never been late on a payment to this creditor. The reason theyve provided both times is that the reductions are due to information received from XXXX. I believe its due to high balances on credit cards.

Today, when on the phone with a manager from Customer Service Escalation, he indicated two different things : 1 ) that the decision is made by Citis Credit Department based on information from the credit bureau, and 2 ) that the decision was made by the credit bureau so I should contact them. 

He indicated that Citi could reduce my limit at anytime ( which I know and understand ) but when asked what criteria I needed to meet in order to prevent this from happening again, he said that it was confidential. He also said that they check every 6 months, but when I told him this has happened twice in 6 months he didnt indicate why or how that could be. 

I believe at the end of the call he said something negative about the likelihood of me being able to obtain credit elsewhere.
Product: Money transfer, virtual currency, or money service

The company PayPal since 2021 refused to close account and given me attitude over using a Russian email address. I have heard excuse of technical errors for almost 3 years and refuse fix or prioritize my issue even if I call them monthly basis and when im told to email I email as well. I talked to many departments of PayPal from disputes/senior intendants and even office of some of their representatives through executive escaltaions email they sent me. I began case through better business bureau and PayPal once again refused closing account for issues they call technical and refuse to close this acct. Currently im unable to log in and company only made me contact merchant customer support so can " work on technical issue '' under request of executive sections office under admin venu. But I was told technical team also their was no issue my account to close that customer service should be able close it but like mention many times the customer service refused and always give me different excuses so won't close acct even if technical support which I contacted this year along side executive office to close account. 
The acct currently unable to log in and company refuses to close it over phone and im always told investigations and more I will receive papers via mail ( I never did for 2 years ) Bad character and service since XXXX used my Russian email address and I was told if I lived in XXXX. When im from XXXX. Alot of horrible waiting and refusal to close account when their no issue and ones who can close acct refuse too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over XXXX years and should be removed You can see via the attachments that it was already reporting as charged off and then Chase updated to reflect the same and increased the balance on a charged off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Product: Debt collection

Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to XXXX XXXX main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting

I went to finance a car and my credit report says i have student loans from the college XXXX. I have never lived in XXXX. And i never went to college. I have lived in XXXX all my life.
Product: Credit reporting or other personal consumer reports

an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports in all 3 bureaus Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX this is not mine and I have to be remove as soon is posible is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) whis states that a consumer has the right to dispute incomplete or inaccurate information. 
197
Product: Credit card

We purchased a new Sleep Number bed in XXXX 2013. The financing terms were 0 % interest for 3 years and the credit was issued through GE Capital Retail Bank. Having not received a bill by XX/XX/XXXX the following Spring, we called GECRB to see where things were. We were then informed our payment was not only due but the previous month was not paid and account was now delinquent. We immediately paid the bill and requested a bill actually be sent to us so auto-payments could be setup. The ensuing month 's bill ( XX/XX/XXXX ) arrived after the due date and again more late fees were applied. We called on this again and set the auto-payment to the billed amount. Later, we discovered GECRB also charged interest on the wrongly applied late fees and by that XX/XX/XXXX we paid an extra {$150.00} in more wrongly late fees. Auto-payments continued, however the interest on the wrongly applied late fees continued to build again with more errant late fees over the next 16 months resulting in GECRB ( now renamed Synchrony Bank ) demanding {$750.00} in late fees. Only this time, Synchrony Bank wrongly reported the account delinquent with the Credit Bureaus thus dropping the credit scoring. Despite evidence of all payments made and on time. We attempted to work with Synchrony Bank and submitted bank generated reports showing all payments with corresponding dates proving no late payments, however they have refused to remove the incorrect information to the Credit Bureaus or refund the over {$1000.00} in wrongly applied late fees & interest. Instead, Synchrony Bank responded by increasing the minimum payment due. We have disputed this with the Credit Bureaus only to find they consider themselves powerless when a Creditor chooses to send incorrect data to them. Synchrony Bank continues to refuse to make changes to the Credit Bureaus for this XXXX account. The Credit Bureaus have recognized a perfect credit history ( 20+ years ) and this one account is " out of character '' due to the only one ever in negative status. When an explanation is provided, it matches with the " expected '' behavior of someone with perfect credit. Yet, Synchrony Bank is unwilling to make changes to their incorrect reporting, despite the report evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXXXXXX XXXX. It is benig reported by Experian and XXXX  as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXXXXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion XXXX and Experian are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.
Product: Mortgage

Company : NewRez Unreasonable time waiting for refinance to close. My original mortgage is with the same company so it appears they are slowing down the process on purpose so they don't lose money on the refinance. It has been a total of 4 months since this process began. The communication between me and the Company Mortgage consultant has been absolutely atrocious with little to no responses from anyone at the company. 



XX/XX/XXXX I spoke with XXXX XXXX at NewRez about refinancing my original loan I have with them. I agree to the refi and XXXX sends me list of required documents. 
XX/XX/XXXX I sent all required documents to XXXX XX/XX/XXXX XXXX says they need more documents. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX Haven't received any updates. XXXX XXXX where we are at in process. No response XX/XX/XXXX Send another email asking for update. No response XX/XX/XXXX Send email to XXXX boss XXXX XXXX sayings XXXX is not responding, and can I get a response from her. No response XX/XX/XXXX XXXX replys that he's waiting on underwriting and will follow up with them now. He never follows up. 
XX/XX/XXXX Email XXXX again asking for some sort of eta XX/XX/XXXX XXXX responds " looking into it putting in a ticket with upper management '' XX/XX/XXXX I email XXXX asking for an update on the ticket. No response XX/XX/XXXX XXXX emails me saying they need more documentation. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX New person XXXX XXXX assigned to my loan. asks for even more additional documents. Some documentation I've already sent in as well. 
XX/XX/XXXX I send additional documentation. 
XX/XX/XXXX I ask for confirmation of receipt of documents to XXXX. No response. 
XX/XX/XXXX I ask again for confirmation of receipt XX/XX/XXXX XXXX confirms receipt XX/XX/XXXX I ask XXXX an ETA for closing the refi, she responds that I will need to contact a XXXX XXXX about that. 
XX/XX/XXXX I email XXXX about ETA, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both  collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX XXXX
Product: Checking or savings account

I disputed a item for amount of XXXX due to it being the incorrect item as well as it being defective. I went in to the dealership as prompted and sent in all documentation of this incident and was wrongfully denied my claim. I am asking that this dispute thst was not handled in the correct manner by CAPTIAL ONE bank to be looked into ASAP As they are threathning to close my account due to thus matter
Product: Checking or savings account

Bank refunded one transaction from XXXX

But still get charged monthly for a cancelled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account and a few inquiries on my report I do not recognize
Product: Bank account or service

Found a Hard Inquiry entry for XXXX XXXX 2015 For PNC Bank. Do not have on file a verbal or written request for credit for this date.
Product: Mortgage

Complain is about Newrez acct. # XXXX On XXXX XXXX XXXX I sent a payment of XXXX to offset the shortage on the escrow balance due to an increase on the homeowners insurance premium. Once I advised a costumer service representative, they told me it was notated on the account, and that I was going to se my monthly payment for the month of XXXX updated to XXXX. But when I accessed my account on XX/XX/XXXX to make the payment for XXXX, the amount was not updated, reflecting a higher monthly payment. So I called customer service, and the collected the XXXX, which was supposed to be the updated amount assuring me that with the notation on the account, everything would update within a week. When I check the account today, XX/XX/XXXX, nothing was updated, except for a late charge imposed on the account for not making the outdated payment posted on the account. So I called, and the customer service told me I was in default due to not making a complete payment. I explained the situation for the third time, and whet the customer service rep checked she told me that no notations have been made and that the escrow analysis I was told was made in XXXX, was not made.
Product: Debt collection

XXXX XXXX has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.