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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> **Subject : ** Dispute of Fraudulent Account Attempt No. XXXX Dear Kikoff Lending llc I am writing to formally dispute the fraudulent account attempt made in my name, which marks the third such incident involving your company. I have not opened any accounts with your organization, nor have I authorized anyone to do so on my behalf. This is a case of identity theft, and I request that you immediately cease any and all actions related to this fraudulent account and remove any associated information from my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to several protections regarding identity theft and fraud. Specifically : 1. **Right to Block Information : ** Section 605B of the FCRA grants me the right to have fraudulent information resulting from identity theft blocked from my credit report. I am requesting that you take all necessary actions to ensure that this fraudulent account is not reported to any credit reporting agencies. If it has been reported, I demand that it be removed immediately. 

XXXX. **Right to Notification : ** Section 615 ( g ) of the FCRA requires that creditors provide notification when negative information is added to a consumers credit report. If this fraudulent account has resulted in negative information being added to my report, I request immediate notification and the subsequent removal of such information.

3. **Right to a Copy of Application : ** As provided by Section 609 ( e ) of the FCRA , I have the right to obtain copies of applications and business transactions relating to the fraudulent account. Please provide me with copies of any and all documents used to open or attempt to open this account. 

Enclosed are the following documents to support my claim : - A copy of my government-issued ID. 
- A copy of the police report regarding this identity theft. 
- The FTC Identity Theft Report. 

I urge you to investigate this matter thoroughly and take swift action to rectify this situation. Additionally, please confirm in writing that this account has been closed and that any derogatory information related to this account has been removed from my credit report. 

Failure to comply with this request may result in legal action, as I intend to fully exercise my rights under the FCRA to protect my credit and identity. 

Please respond within 30 days from the date of this letter to confirm that this matter has been resolved. 

Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account not mine, I recently tried to apply for one and my money was taken because they said I owe them on a account I never had.
Product: Mortgage

I ended up with a loan care mortgage end of XXXX  which was being serviced by Lakeview Loan Service. For my first payment with Lakeview, I setup my account online and also called them to pay my mortgage. Both transactions were successful and I had funds in my account. For some reason the transactions were both reversed. They reported me as late which took my credit rating down XXXX. I would like that fixed asap.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance {$570.00}
Product: Money transfer, virtual currency, or money service

I lost access to my cash.app account when my phone number was changed. I still have to account numbers and debit card number for the account. I am willing to provide my government issued drivers license and other documents as needed. I created another cash.app account to access the support option according to the support procedures to regain access to the account. I contacted support by message and by phone. While on the phone with cash.app support, the representative was unwilling to provide necessary service and refused to assist with restoring the account due to me being unable to recall the email linked to the account. I asked the representative to locate the account based on the account number or debit card information but he alleged that was not possible. I believe my account was hacked and the information linked to it was changed and that is why I am unable to provide information such as email or phone number that is currently linked to the account. I requested to speak to a supervisor and the representative refused to transfer the call to any other support representative. Instead, the representative rudely and abruptly terminated the call without any forewarning. Following the call, the cash.app account that I made to access the support department was closed and I lost all access to that account as well. It is imperative that I regain access to my account because my tax refund is supposed to be deposited to the original cash.app account and if someone else has accessed it, that person will steal my tax refund. Further, without an open account to deposit to, the IRS would divert the refund from direct deposit to an address that I no longer live at and the check sent would be received by the person that I believe is responsible for stealing my tax refund for the years of XXXX. Cash.app is FDIC insured and operates using similar processes compared to banks. There is no valid reason why my account can not be located using the account number and debit card number and why identity verification using my valid government issued documents is not an available option to regain access to my account. It would be sufficient for any bank in the country. It's sufficient for any department of our government. Why is cash.app exempt from following the same standard procedures as every other entity providing service to consumers related to finance?
Product: Credit card

I noticed on XX/XX/XXXX my PNC credit card expired last month on XX/XX/XXXX. I did not receive a new card so I called the company and they said they had closed my account. This is a bit misleading as I thought I was in good standing with PNC because I received a phone call in XX/XX/XXXX from PNC offering their services such as loans, checking accounts, etc .... Then I recall another phone call from PNC around the mid summer of XXXX just reaching out to me offering their other banking services. If they were going to close my account they should have informed me months prior with their phone calls so that I could plan accordingly and use their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account 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 and I'm including them again. 

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

I have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is for my XXXX XXXX XXXX Card; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I reviewed my annual credit report on XX/XX/year> and saw some accounts, addresses and phone number that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian Scheduled payment amount reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian will not allow me to upload the documents online. XXXX and Experian is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I reached out to experian who with documents and a few phone calls removed the fraudulent account from my report. About a month ago. I noticed that the account popped up again. I uploaded that they had resolved this in my favor & removed from my account. 
I have never had an account with this company. When I reached out. They even said they would cease. 
This is affecting my credit score & history.

If the account has once been removed. It should stay off my account.
Product: Credit reporting

This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***
Product: Mortgage

XXXX loan XX/XX/XXXX from XXXXXXXX XXXX who sold the loan before my first payment due. I have a huge overage in my escrow account as of XX/XX/XXXX, but no escrow analysis has been completed. Called to ask about that but was told that it would be around the one year mark. So I decided I wanted to just completely remove escrow because I dont appreciate them holding my money hostage. According to my payment history and application of additional principal monthly, paying my own taxes and insurance should not be a problem when I owe less than 30 % of the loan. I filed for request to remove early XX/XX/XXXX. I applied and waited for the response denied because loan was not 12 months old. I thought ok, Ill just wait until XX/XX/XXXX but turns out, Im being told by customer service XXXX cant reapply for escrow removal until XX/XX/XXXX. XXXX, the escalation manager hung up on me XXXX In the meantime, Im requesting a list of terms or conditions that a borrower had to meet before wasting time to request escrow removal- they are unable to produce this. I dont think it is fair there is not a clear list and how I have to wait until XX/XX/XXXX. I cant control when my loan is sold or bought by another company. At this point, I feel that PHH just pulls conditions out of thin air, while earning interest on my escrow money.
Product: Debt collection

Trying to collect on a debt that does not belong to me. CONGRESS COLLECTION
Product: Debt collection

I got a call form portfolio recovery associates stating that i owe a debt from XXXX XXXX from XXXX that i have no knowledge of. I was sent a identity theft affidavit to fill out requesting a lot of personnel info
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$150.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I received an invoice in the mail from XXXX ( supposedly ) with an invoice date of XX/XX/XXXX- it was sent to my previous address and rerouted to my new address. It stated that I owed for a shipment from " XXXX XXXX XXXX XXXX '' in XXXX, California to " XXXX. '' XXXX '' in XXXX XXXX, California. I live in Missouri and have never lived in California. I sent photos of the invoice to the XXXX Scam email address and contacted them via XXXX to see if this was a scam. And if so, to remove it from any accounts associated with me. I do not have a shipping account with XXXX and have never mailed anything with the company- so I am not sure how this even happened. I never heard from XXXX about the false invoice. Then on XX/XX/XXXX, I received a collections notice in the mail from TRANSWORLD SYSTEMS INC, dated XX/XX/XXXX. It was sent to the wrong address as well ( our neighbors down the street ). It claimed that I owed XXXX money for ( 8 ) different invoices for shipments sent before XX/XX/XXXX. I never got ANY notice of these shipments, but that's not surprising because they had nothing to do with me! On the letter, it said I could dispute the charges if I sent correspondence via mail by XX/XX/XXXX. This is clearly a scheme. I tried calling TRANSWORLD with the number provided on the letter, but they just sent me to a voicemail. No one has called me back. At this point, they are trying to get almost {$150.00} out of me for shipments that I had nothing to do with. I've seen this has happened to many other people by searching online. Both companies need to be investigated.
Product: Credit reporting or other personal consumer reports

This information has been included in my credit report without authorization and must be removed.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax to let know that these accounts are not mines XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/XXXX it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Also for the Stress, Discomfort Cider Denials and Headache I as requesting that Equifax Issue me a {$2000.00} Check to my Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX within 15 working days or I will File for Litigation because I have evidence from them that states that the 2 XXXX Accounts were deleted from my credit reports when they were not. 

Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} The following Inquires are Fraudulent on my Equifax Report as well XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 

I am advising Equifax to take this matter very serious as I am not Playing around anymore with them I will be hiring an Attorney in 15 days if nothing is not done.
Product: Checking or savings account

2 charges were withdrawn from my checking account not authorized by me from my USAA checking. 1- XXXX XXXX for XXXX  dollars an XXXX-XXXX the same day. XX/XX/2019 USAA also removed XXXX from my account an reversed the XXXX Credit overdrawing my account. Ive also been put on a 6 month probation period whereas every deposit made have to wait 7days to clear. I mobile deposit frequently an the funds use to be available immediately : I Been WRONGED an need help to get back my money. My Identity was stolen an Ive contacted the 3 credit bureaus
Product: Bank account or service

To whom it may concern I XXXX XXXX XXXX XXXX is very very upset, that chase has temporarily shut my debit card down and I ca n't access my own money to make payments I have automated payments that where already schedule to come out of my checking account but I have no funds because they froze it it 's been 2 days and chase is still thinking that I had stolen that personal check. That check was given by a friend that I consider my own family and I do n't seem was the issue with it it has already process and the balance is there already but they are not letting me use my debit card or bank account until they verify that the check was really given to me by XXXX XXXX this is very frustrating I never been treated like this like a thief and humiliated by chase. They stated that it 's their job and that they need time to verify that check. I do n't have time it 's obvious that if he gave me a check and I deposited thru the atm machine. This is a humiliation to me it 's the first time this happens to me and I feel anger and humiliated, rejected, I 'm thinking about closing my account because of this unprofessional matter, I am in debt and there will be fees assess by me not giving my payment on time, such as late fees and more. I do n't have to pay this late fees it 's chase fault for taking long and for thinking that I am a thief and that I stole that check
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account has been paid in full {$21000.00} and no late payments were had. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy. ( 15 USC 1681 ( section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

I have made several attempts to all 3 bureaus to provide verifiable proof ( an original consumer contract with my signature on it ) that XXXX XXXX can place this debt on my credit report and they have not. XXXX and XXXX removed this medical debt but Equifax refused. This medical debt illegibly XXXX dollars which is under which is under XXXX that should not be reporting 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off
Product: Credit card

I had to leave an XXXX because of safety concerns, XXXX refused to refund me, I then called us bank to dispute it. They gave me provisional credit and claimed to have sent me a letter for additional information, but they did not, and then also took away the provisional credit. I had left the airbnb and contacted them right away to tell them about the safety concerns i had. XXXX refused to refund me even though i had to leave because it was not safe for me to be there. The total if the XXXX  i got charged was {$2800.00}. I contacted XXXX and US bank both trying to work this out.