23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the date of these purchases that wiped out my available credit line. I did not set foot in conns furniture and make these purchases maxing out my credit line. 
A woman named XXXX posed as me because she had stolen both my identification card and my social security card and went into the conns on XXXX in az on the date I was in jail. Also the employee at conns furniture allowed someone else to make purchases on my account. These are not my purchases. I would never of maxed out my credit line out of the blue on these items. 
They have cameras please check the cameras on this date. I want this looked further into. I had also made a police report a week or so afterwards. Its been a few years dont recall exact date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX 2- Inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3- Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I believe Experian and XXXX XXXX have not been filing my disputes correctly
Product: Debt collection

Received numerous attempts to collect debts alleged owed by Creditors Service Bureau, asked for verification of debt, verification of debt not provided. Was provided copy of computer print out & screenshots but nothing substantiating debts listed are legitimately owed by us or are otherwise substantiated as evidenced by numerous errors listed on print out such as ( 1 ) Last name not spelled correctly ( listed as XXXX ), our last name is spelled with TWO " XXXX '' s indicating the debtor/s were not concerned about accuracy ( 2 ) XXXX XXXX XXXX is listed as one of the parties owed money to by my wife however she has never used XXXX XXXX, my wife went to XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX during the time frame alleged she owes money to XXXX XXXX XXXX ( we were also not married until XX/XX/XXXX so i do not feel its fair to attempt to collect a debt owed by my wife prior to being married ) ( 3 ) XXXX XXXX XXXX - we used a midwife XXXX XXXX XXXX based out of XXXX, KS for medical services not the hospital system her contact info is : XXXX XXXX XXXX XXXX, KS XXXX United States p. ( XXXX ) XXXX ( 4 ) XXXX  XXXX services - we do not use them, we have a XXXX  in XXXX XXXX which is not the same XXXX
Product: Debt collection

I do not recall having this account. I have had identity theft in the past and I have always had a identity theft freeze on my account and dont know where this account came from.
Product: Credit card

I received a statement from my credit card stating I had a charge to XXXX XXXX on XX/XX/XXXX, posing on XX/XX/XXXX for {$330.00}. I did not make the purchase, as the card has been locked away in my safe, and is not carried in over a year. I contacted the card and stated such. They opened a fraud claim, to which they denied due to the card having been used via XXXX. I stated I did not do so, as I have XXXX Maps on my phone track my locations, and it shows I did not go anywhere near the place of purchase. During first phone call, the agent said that a new card was mailed as the current card in my safe expired. I advised them that I never received the replacement card. The agent then informed me that the card was mailed out days prior to the charge in question. She suggested that the card was stolen and was in fact fraud. On the second call, I informed the agent of that conversation, and they stated their was no such record of that conversation, nor anything to the matter of the replacement card. Again this agent stated someone could have spoofed the chip and used my account. I faxed my location information as advised by the agent to prove that I was not at the merchant. She stated the claim was closed and would not be able to reopen, as i am responsible, however she would escalate pending my documents. After a short period, I saw another statement saying the temp credit was removed and I called a third time. They informed me that they will not rule in my favor since the Chip was used. I stated again that I did not go to the merchant, that I did not use the card. I asked if she received the fax I sent, and stated no. I asked to confirm the fax, to which was correct. I faxed again and mailed priority mailed a copy. I received a digital letter stating they are not ruling in my favor, and in retaliation they are reporting me to the credit companies regarding the claim, and my " dissatisfaction ''. I am super upset because I did not make the charge, and yet I am now responsible. I am including copies of the statements, of which are the only statements of this year, and no other statements from years prior, as I do not use the card. The letter stating they will not agree on the dispute, plus the report to the credit reporting companies, as well as printouts of my XXXX Maps history for the days before and after the charge.
Product: Credit card or prepaid card

I applied for an account and was denied, pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. UCC 1-308 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

All Rights Reserved
Product: Debt collection

Mid south adjustment debt of {$260.00}. Originally from XXXX XXXX XXXX XXXX. I have XXXX. I have had this insurance for several years. The hospital has my insurance and has billed them for everything Ive ever went there for. Now they have reported to my credit as I owe this. I have tried contacting them and have had no luck resolving this. I do not owe this debit. 

Thank you for you time, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year>, I filed for Bankruptcy XXXX XXXX and Porsche Financial was included as part of the agreement with the Bankruptcy Court. The court indicated that I could not keep my XXXX XXXX. I had to take it back to the dealership from which I first purchased the vehicle. 

My XXXX XXXX was filed and finalized in XX/XX/year>. While checking my credit report, I noticed a huge drop on my credit score. After looking at all my three credit reports, I saw that Porsche had sent my name to collections XXXX days prior to today. 

I have contacted Porsche Financial and all three credit bureaus. After speaking with Porsche Financial over the phone, I was told my name was sent to a collection agency ( XXXX XXXX XXXX : XXXX ). 

I would like to get this matter resolved, as my debts were included in the XXXX XXXX settlement. 

Thank you, XXXX XXXX
Product: Mortgage

The lender takes my application for a mortgage .... allows me to lock a rate and offers a free extension on the rate lock to ensure my business and then because I want to change from the 30 yr to 15 yr term - they tell me I have to take worse case rate. Or if I want to change the dollar amount of the loan application, I have to take worse case rate ... .. they are saying that I am not guaranteed the rate from the date that I locked .... I am forced to take the current rate .... so on XXXX I would have gotten a {$760.00} credit for that rate - today I have to pay over {$10000.00} for that rate ... .. 

What is this? I locked - why is this considered a change in application? 

Lender -PennyMac
Product: Credit reporting or other personal consumer reports

DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/2023 UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in XXXX5 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished.

For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt. 
In Response to a Court Order : To comply with a court order or federal grand jury subpoena. 
For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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

I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. XXXX XXXX XXXX  continues to report to Equifax that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.
Product: Credit card

I was traveling to XXXX. At the airport, the vending machine wasn't working properly so I tried using my card. I go to XXXX, use the card a couple times at the resort and go to check if there are going to be issues with using it in XXXX. I see the vending machine company has now repeatedly charged my card and continued to repeatedly charge my card. Having had a previous issue with skimmers at a gas station, I do a fraud warning on my card to stop any more charges on my card. As soon as I get home, I call Chase to let them know what happened and get a new card issued, but I'm told my account is closed, I will never get my account back because of the inappropriate activity. That a credit analyst reviewed my account and I'm not allowed a Chase credit card for this inappropriate activity of disputing the charges, i.e. asking them to freeze the card to STOP fraud. I have over XXXX miles on the card. So they are punishing me for trying to stop fraud, by closing my account, which in turn affects by credit rating because they are the ones that closed it.
Product: Debt collection

National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing this complaint due to ongoing difficulties accessing my account on the Experian website and the lack of resolution despite multiple attempts to contact Experian. 

On XX/XX/year>, I attempted to log in to my Experian account but was met with the following error message : " We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. '' Since then, I have attempted to access my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but I continue to experience the same system error. 

I have spoken with four different customer service representatives : The first representative informed me that they could not verify my identity and instructed me to wait 24 hours to generate security questions.

After waiting 24 hours and calling again, the second representative told me I needed to wait 72 hours instead.

The third representative was in the fraud department and transferred me to a representative in the memberships department. Unfortunately, the memberships representative could not assist and provided me with the same phone number I had originally been calling, which only led to automated prompts. 
Each time I called, I was only able to reach a real person by saying " fraud '' in the automated system. 
Despite my efforts, I still have not been able to resolve the issue or regain access to my account. The lack of access to my account has caused significant inconvenience, as I am unable to view my credit report or manage my Experian services, which are crucial for monitoring my credit and addressing potential issues. 

I request the CFPBs assistance in ensuring that Experian provides the necessary support to resolve this issue and restore access to my account promptly. Additionally, I would like Experian to provide an explanation of what caused the system error and how it can be prevented in the future. 

Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

Hello. 

Company involved here is my XXXX XXXX. 

I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. 

XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. 

I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.
Product: Debt collection

After checking credit, and from being a victim of identity theft, I reached out to this company serval times and a lack of communication very rude and demanding for payment. I tried to explain to the company that this account isnt mine and I have no knowledge of this account, this account had to be open fraudulently under my name using my identity. This account has been inserted on my credit two times, recently after disputing  with all three Credit Bureau, XXXX XXXX was able to delete the original creditor XXXX XXXX XXXX, this is a third party company trying to obtain money from me in the amount of XXXX $ thats false information from what the previous creditor XXXX claimed I owed before it was removed/ deleted from my account of XXXX I would like for this account to be removed from my credit and a letter sent of deletion
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I found an account that is reporting without my knowledge or consent. XXXX XXXX XXXX opened XX/XX/year> is a fraudulent account whom i never gave permission to run my credit or furnish my information. This is identity theft and in violation of several of my right including right to privacy and permissible purpose to furnace information. Please be aware that anyone could have stolen my personal information and made an fraudulent account. The account is also furnishing inaccurate information such as address email and phone number.I never did any business with this company nor have I ever heard of this company.
Product: Money transfer, virtual currency, or money service

I tried to cash my mother in laws check into my online banking and they put it on hold for around 12 days then I got an email saying my account was gon na be restricted they told me I needed to verify my mother in laws identity with a phone number but they said it didnt work and if they cant verify my account will be closed and I pretty much wont get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised years ago, so I have learned to check my credit reports frequently. The first incident of fraud with Chase Bank was on XX/XX/2017 when someone attempted to open a credit card and/or account using my information. I immediately contacted Chase on XX/XX/XXXX and answered security questions to prove it was really me. They told me that it would be deleted. I filed a police report and waited for it to be removed. I called again after 90 days because it wasn't removed and received an apology and assurance it would be done. A few months later, another fraud attempt was made at Chase and I called them again and followed the same procedure. A few weeks ago, I checked my credit report and the derogetory information is still there. I have made several calls to the fraud department of Chase and also their credit bureau specialists to fix this since it first began in XXXX. I am told time and time again it will be corrected and yet it never is. They have sent me letters confirming the frauds and their corrective actions. Despite this, no corrections have been made. They also declined to give me specifics of the the frauds so that the police could investigate and arrest. I was told it was done in person at a branch but the wouldn't tell me anything more.
Product: Checking or savings account

I opened my new checking account in Citibank branch in XXXX XXXX, XXXX NY when the customer service agent " XXXX XXXX '' explained to me that electronic deposits between bank accounts are Enhanced Direct Deposit through ACH. I opened my account in XX/XX/XXXX and deposited {$1500.00} on XXXX XXXX and {$250.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX by transferring between the accounts. I called the customer service on the phone to ask why I have not got my {$300.00} yet. They told me at the begining go to the same branch and talk to the manager. I did go to the bank and met the manager " XXXX XXXX '' and she said I am qualified and will open a case and it should be avalaible by end of XXXX. She did not give me any case number so I decided to call and submit my request and get a dispute number myself. I called many times to follow up on it and they made every excuse not to follow up on it by saying we do not see any promotion or dispute attached to your account and you need to submit a new dispute becaue the the other one was closed and I have to wait 90 days untill I get final result. I did and finally got the result that my account does not qualify for this promotion because the required direct deposits were not mad into the checking account within 90 days from openning the account. I called the customer service many times explaining that it shows on my Citi bank ACH next to the transactions but they insisted not to consider it a qualified direct deposit. Now, according to their agents that told me on recorded line that I am qualified and it will be posted on my account by end of XXXX then XXXX then XXXX was just a scam. Besides, the agent who opeened the acount for me scammed me as well