23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I check my credit report every month for accuracy. In XX/XX/XXXX there was a new item from a collection agency attached to XXXX XXXX XXXX for {$1700.00}. We had just recently installed our first system with them and were current on our bill so I knew this was an error. I called XXXX  and they said it was at an address in our neighborhood under my name. I filled out a fraud report for them and returned it within a day. I heard nothing for a month and called them to find out they had turned it over to another company, XXXX. I called XXXX  and they didn't have the file. I started the whole process over again which includes having papers notarized. In XX/XX/XXXX still nothing else had been done. I got a copy of the original contract with the installation address and attached the county records for this address with the owners name. The system had been installed XX/XX/XXXX and they had moved in on XX/XX/XXXX. I attached our records also proving we had lived here since XX/XX/XXXX. No response yet. I called yesterday and still nothing. I made a dispute with XXXX and they decided to add the fraudulent address to my credit report and are sending information to it now! We signed up for XXXX service in XX/XX/XXXX. Strange we never received a phone call, letter or bill on this account until we signed up for their service. They say my name is on the contract. I am sending a copy of the contract and the two county forms I sent to them.Hopefully you can straighten this out as they seem totally unable to help us.
Product: Debt collection

I have been receiving multiple calls from several numbers claiming to be from Concord Resolutions. They say they will not give me any information until I verify my SSN with them. I asked for the debt information and their address. They told me New York State and then when I asked again that they were in XXXX but refused to give any further information. When I requested that I get validation of the debt prior to speaking with them further he hung up on me. Calls from XXXX. I know what debts I owe and this is not a valid debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR DEBIT CARD DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I dont understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

1 ) Sued me on debt that is too old to be sued on, if it even exists. I have n't held a credit account since 2009 2 ) Sued me without properly notifying me of lawsuit, I have received no notices letters or correspondence or summons. 
3 ) Sued me where I did not live, apparently I have been sued in NJ, I live XXXX states away. 
4 ) Seized property, & yes they emptied my bank account to XXXX balance.
Product: Mortgage

Re : Loancare loan # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX I am fully up to date on my mortgage payments. I have {$2400.00} in my escrow account ( see attached statement ).

My mortgage servicing company, Loancare, failed to pay my city property taxes. 
I have been calling them multiple times, beginning in early XX/XX/XXXX, to verify my taxes have been paid. Customer service repeatedly told me they would take care of it, but as of today, XX/XX/XXXX, they have not paid them. 
I had to write a check for my city property taxes in the amount of {$830.00} and take it to the city clerk myself today. 
I should not have to pay my property taxes myself, when there is plenty of money in my escrow account. And when I repeatedly asked them to pay my city property taxes. This is fraud, as far as I 'm concerned.
Product: Credit reporting or other personal consumer reports

Hey there my name is XXXX XXXX XXXX I noticed these inaccuracies on my credit report. All must be remove right away. I am a victim of identity theft and these inaccuracies arent mine. Please remove! Ive provided copies of my FTC report. Thanks.
Product: Credit reporting or other personal consumer reports

They violated my rights as a consumer under 15USC1681B and I need these items blocked and deleted off credit report as soon as possible
Product: Checking or savings account

Good morning, On XX/XX/2023, my direct deposit went into my primary checking account with PNC bank. I have a secondary account that I transfer funds to that I use to categorize certain transactions. When I toggle my debit card to process transactions from a certain account, the processing of debits, withdrawals, payments, and XXXX 's ( posted and pending ) become convoluted to the point that items that had previously cleared get returned and there are numerous instances of duplicate postings that take days to clear up. As of today, I have a payment that was posted to one account, but is showing that it will be returned as unpaid to the merchant on another account. This is at least the 3rd instance of this happening this year and the resulting fees and penalties from both PNC and the merchants is unfair, unacceptable, unethical and possibly illegal.
Product: Credit reporting or other personal consumer reports

There is a alias name and two addresses that dont belong to me on Experian consumer report
Product: Vehicle loan or lease

Due to financial losses of coronavirus I was behind on a few car payments with Wells Fargo. I spoke to someone around XX/XX/XXXX or XXXX  2020 and they said that they would give me two more months deferment If I paid too late payments whenever I come up with it in about a month due to financial hardship. The representative told me that they will reach out to me around XX/XX/XXXX to see the progress but no one ever did. I was away from home looking for additional work and helping family that had also been impacted by coronavirus and when I return home on XX/XX/2020 I checked the mail and received a letter from Wells Fargo stating that I had to pay a certain amount to bring the account current By XXXX XXXX, 2020 or else the account maybe considered for Charge off And the balance may come in the full. I called the same day that I received a letter on XX/XX/2020 and they told me that they already had charge of the loan on XXXX XXXX, 2020. Is it ethical business practices to charge off a loan before the paper notice of XXXX of XXXX 2020. They told me in writing that I had until XX/XX/2020 to pay the balance but then they turned around and charged off the loan on the XXXX of XXXX 2020. Now they are threatening and pressuring me to pay the balance in full when I have not even had time to properly respond to the notice. What can I do in the situation? Not only that no one ever called you back to give me the deferment that they said that I could get that they promised that I can get they just went straight on to charging off the loan.
Product: Credit reporting

Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
Product: Mortgage

Flagstar Bank ( Mortgage ) imposed an insurance required policy when my mortgage was always insurced correctly. 

I have spent hours on the phone with their mortgage company, provided numerous documentation to show the accurate coverage. I have been on the phone with the mortgage company and the insurance company ( XXXX ) who also verified the coverage was accurate and suffient through my entire mortgage requirements. 

I was told this was resolved and that I would recieving a full refund. and it would take 15 days to appear back in my account. I called several times and was assured that it would be return with 15 business days. 

After waiting that period I called again to ask where the funds were and they stated that I was not going to be recieving the funds as it was rejected for not having enough coverage. 

My insurances have always been in good standing. They have recieved certificates from XXXX to show that, yet they continue to withhold funds that belong to me and the escrow account. 

I wish to file a complaint about the mishandling of the funds and fraudlently placing insurance on my account that was never necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681.

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy.

According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681s-2 ( A ) ( 1 ) a person shall 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 accurate Please delete these accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened a new credit card and didn't realize that my limit was low. I called the company to request a higher limit. I did not understand that they were going to do a hard check of my credit and now it is showing as negative on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the XXXX XXXX XXXX ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that i am a victim of Identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681-2 ( a ). I became aware of the breach of my personal information through XXXXXXXX XXXX XXXX, which has exposed my sensitive data to unauthorized individuals. the following fraudulent accounts and inquires have been identified as a result of this breach
Product: Debt collection

The collection agency TSI is attempting to collect on a debt that was paid. This account belongs to a hospital account I paid of ( see attached ). TSI has removed the collection notice from my XXXX and XXXX  credit file, but not from XXXX Every time I call and try to speak to someone, they hang up the phone. Also, I verified they never sent me notice of a debt collected becase they had an incorrect address ( an old Address ). The hospital was also sending bills to an old address. I am asking the report on my XXXX file be removed just like it was removed from my credit file with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have accounts that were fraudulently open on my credit profile. The names, address, employers are also inaccurate on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  DELAWARE, yet XXXX XXXX  DELAWARE is not removing this fraudulent account. XXXX XXXX  DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  DELAWARE Bank has refused to do this. The following is the fraudulent account : XXXX XXXX  DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Product: Checking or savings account

I received a deposit from XXXX XXXX  when my car was totaled out from an accident. 2 months go by and then my account was locked. I called and was told I broke the policy there and my account was closed. They then told me I'd get my funds via check in XXXX XXXX days. After no check arrived, I called back and they said my account is not closed but on hold and I needed to send proof of where my direct deposit came from. So I emailed them a copy of XXXX XXXX paper that gave specific amounts. Now a week later they still won't release my funds. They won't let me cancel my account either. I don't understand. I'm being treated like a criminal because of a car accident. I ask you to please look into this bank? Now they want info for more than 1 date but I can't get into look so how can I remember 2 months ago without being able to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, NE XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I was unable to access my Citibank checking account. I contacted Citibank and was informed that my account was being closed due to suspected fraudulent activity. On XX/XX/XXXX, I received an official closure notice via email. At that time, my account had a balance of {$1300.00}. 

I was told that any remaining funds would be mailed to me by check within 60 days. After following up multiple times, including a visit to a Citibank financial center, I was informed that the account was actually closed on XX/XX/XXXX ( not XX/XX/XXXX ), and that I would need to wait until XX/XX/XXXX to receive the check. However, when I contacted Citibank 's fraud prevention team again, they stated that I was not owed any money, claiming the funds " did not belong to me, '' without offering any explanation or proof. 

Most of the transactions in this account were transfers from my personal XXXX  XXXX XXXX account, which I have held for over XXXX years. I contacted XXXX  XXXX XXXX, and they confirmed that all those transactions were legitimate and that they did not flag any of them as suspicious. 

The only reason I made several XXXX transfers between my XXXX  XXXX XXXX account and Citibank was to complete the {$3000.00} qualifying transaction requirement for a {$320.00} welcome bonus offer Citibank advertised when I opened the account. I was not engaging in any fraudulent activityI was simply following the promotion terms as stated. 

I had previously filed a complaint with the CFPB about this same issue, but the case was closed after Citibank responded by repeating that the funds didnt belong to meagain, without any evidence or explanation. I am more than willing to submit documentation from my XXXX  XXXX XXXX account to prove that the funds were mine. 

I now request that Citibank provide a full account statement or transaction history for the checking account prior to its closure, so I can better understand the account activity and provide any documentation necessary to prove ownership of the funds. 

Im filing this new complaint because the issue remains unresolved and I have not received a valid explanation from Citibank or the {$1300.00} that was in my account at the time of closure.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im pregnant with XXXX and hoping i can move in my own place in my own name for once