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

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX  on XX/XX/XXXX, an auto loan opened with WFBNA HL on XX/XX/XXXX, appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Mortgage

I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.
Product: Consumer Loan

It is a charged off account but they are still reporting late payments, a payment due and a balance. This is inaccurate. I want the account removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a personal loan with Service Finance Company LLC for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled.

2. Late Fees will be disabled. 
3. SFC will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan. 
5. If your Loan is a Promotional Loan, the remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires. 
6. Billing Statements will be suspended.

7. Interest will continue to accrue during the 120-day period.

8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call Service Finance Company in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru Service Finance Company has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  and please block within XXXX business days pursuant to section 605 c credit act
Product: Checking or savings account

I am trying to use the XXXX application to access my unemployment benefits before they arrive. All they need is for my bank to connect so that they can confirm that I am getting the money they are to lend to me. It is urgent that i receive this money sooner than later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$480.00}
Product: Money transfer, virtual currency, or money service

WORLDREMIT, is a company where I transfer my money to my daughters in XXXX, on XX/XX/XXXX I sent XXXX dollars in two transactions that the app show as delayed and that same week they delayed 3 more transactions and end up canceling. I requested the cancellation of my transaction and as of now I do not have my money back, I calle 4 times already even talk to a manager and they keep telling g me that the communication with their local partner is through email and that they do not have any answer as of now. And the still have my money I do not have my mi ey back they are stealing my money and I feel that there is nothing that I can do, someone need to stop this company from stealing money like that
Product: Credit card or prepaid card

Credit card fraud. A new card was issued without my knowledge and over {$5000.00} dollars worth of fraudulent charges were made without my consent. I filed a fraud claim with the bank and filed a police report for missing card. The bank came back saying that they concluded that the charges were not fraudulent and I am responsible. I did not make these purchases or authorize them. The way I found out there was another card was someone had made a payment on the card. That payment was rejected as someone did a stop payment on it. I have closed the account but theres still a card issued that I dont have again. According to my online bank its not activated. Please let me know if you are able to assist me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Balance : {$25000.00} Charged off XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} Late/Open XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance : {$90000.00} Late/Open
Product: Credit reporting or other personal consumer reports

I was looking into HELOCs and requested some rates and a quote from West Michigan Mortgage. I was told twice that this would not be a hard credit pull, it would just be a soft pull. I was concerned with that because I was not in a position to be moving forward yet, this was just exploratory. Very soon after, I received many notification emails from credit monitoring services saying I had a new hard pull on my account. I reached out to XXXX XXXX ( owner of West Michigan Mortgage ) and he responded by blaming " his assistant '' in running my credit " unknowingly ''. Since that time ( XX/XX/year> ) I've been going back and forth with XXXX, trying to get this removed and getting very little engagement from him. He wont " respond to phone calls, email responses are sporadic, and it's now been almost three months with no resolution. Extremely frustrated by this situation, and with his engagement in rectifying his mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, After any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.
Product: Debt collection

A collection account which I am not aware of just popped up on my TransUnion consumer report. XXXX XXXX XXXX, XX/XX/2024 I am unaware of this debt. I didn't have the opportunity to dispute this information. If, in fact, you believe you got me proper notification, please provide the certified receipt with my signature on it.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
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 3 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 XXXXXXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$1700.00}
Product: Checking or savings account

Late XXXX I was sent two 1099-INT forms in the mail by CITIBANK. XXXX 1099-INXXXX was valid for the savings account I have with them. The other 1099-INT was for an account I did not have. I called CITIBANK banking customer service line on XXXX  and spoke with 4 associates and one manager about this issue. I was informed that the account number listed on the extra 1099-INT form was not a valid account number. They also informed me that the interest earned amount of {$390.00} was not an amount on my actual savings account. They finally informed me that the description of " bank promotions '' was not something they recognized. They had no record on file of this 1099-INT form being created or mailed out- yet it was sent to the IRS with my social security and name associated with it. I explained that if the form was generated then it must exist somewhere. I was given a case number and told that this would be investigated by the " back office '' and I would have a resolution in a week. Today on XXXX I called the customer service line again to inquire on the status of this. The first time I was hung up on and the second time ( after threatening to file a complain here ) was left on an indefinite hold of 15+ minutes with no response. I am reluctant to file my taxes because I don't want to claim interest on money that I did not receive from CITIBANK and I also don't want the IRS auditing me for not reporting it. There has been no attempts from CITIBANK to help, explain or rectify this situation. I have asked to speak to managers, supervisors, or anyone in their tax department who might be able to help. I am denied and given the run around. This is not only an ethical violation, but bank fraud to claim they paid me interest on an account that doesn't exist with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Product: Debt collection

I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX  employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.
Product: Credit card

My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to finance some furniture by using XXXX XXXX XXXX. When they did a soft pull of credit it bounced back stating that my credit file was locked. I reached out to XXXX, XXXX, and EXPERIAN. All 3 credit bureaus have my credit file UNFROZEN. When I asked all 3 bureaus why is it that it keeps showing that it is frozen from XXXX XXXX XXXXXXXX XXXX end and none of them can answer that question. It is very weird that it says my account is frozen but talking with and signing in online to all bureaus it shows there is no freeze on my file. I would like a full investigation into why this is happening.
Product: Debt collection

I ask this company to validate this debt for me and they still haven't properly verified or validate this debt. I do not have any knowledge of this debt. Under the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original sign contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2019 I submitted a complain against Capital one for a negative hit on my credit due to missed payment in XXXX of 2019. I know for a fact that I logged onto the system and made a payment at www.capitalone.com and that there must have been a system error and my payment was not posted. As you can see I have impeccable payment history with them with my credit card. I also have a auto loan through them with the same excellent payment history. It does not sit well with me knowing that this may have been a system error and that they are not willing to reverse this negative hit on my credit report. I am again appealing the decision asking them to take into consideration my payment history with them and reverse this inquiry.
Product: Credit card

Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.
Product: Checking or savings account

I received a debit card from Chase and a letter saying it was attached to a checking account, and that I should activate the card. I do not have a Chase checking account. I called the number on the card to ask them to close that account. She said I was a victim of fraud and that I should get a credit report to be sure there aren't more accounts open in my name.