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

I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA section 605b, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3100.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$8100.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$9400.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$460.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$1600.00} DP OF EDUC XXXX Balance : {$5600.00} DP OF EDUC XXXX Balance : {$8300.00} DP OF EDUC XXXX Balance : {$6700.00} DP OF EDUC XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section 605b. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX  ACCT XXXX XXXX XXXX BEING CHARGED DOUBLE. 


2. XXXX # XXXX XXXX BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/year>, concerning fraudulent accounts on my credit report stemming from identity theft. I included my FTC Identity Theft Report ( Report No. XXXX ) along with supporting documentation. The disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my submission, these accounts have not been removed, and I have not received sufficient information from Equifax regarding their investigation process. I am concerned that Equifax has failed to verify these accounts thoroughly as required by the Fair Credit Reporting Act ( FCRA ). This negligence is causing ongoing harm to my credit and financial standing.
Product: Credit reporting or other personal consumer reports

When checking my credit report I have noticed that XXXX XXXX XXXX  is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX  or the company that they are collecting for.

I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.
Product: Debt collection

I have told the original creditor, XXXX XXXX and the debt collector, LVNV Funding LLC, several times that this is not my credit card nor my debt. I have no knowledge of this account. I have disputed this several times but nothing happens. This has to be an identity theft situation. Please help me.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692XXXX ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.
Product: Credit card

American Express executive office relentlessly violates my consumer privacy FCRA rights. I reported compliance fraud against their overseas underwriting dept & filed a case with XXXX XXXX XXXX # XXXX 5mths ago about terroristic calls from the Servicing dept. They are constantly denying my credit limit increase using false accusationsof which I have faxed & verified to chairmans office that I have requested executive assistance with in my country & they are refraining to process submission know that my scores are high & my consumer profile is free from derogatory information. I am a US. XXXX XXXX Citizen & American Express is violating my consumer integrity with solicitous lies & slander. I have proven them wrong for 6mth that their excuses for US service is un-lawful. The calls have been recorded & they are purposely routed outside the US to hack into my financial affairs.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 
XXXX XXXX XXXX for {$1400.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX XXXX $ XXXX been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me XXXX XXXX XXXX for {$3100.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX for {$2500.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Resident Verify XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit bureau I am having a problem with is Equifax The other bureaus initiated the freeze Ihave been trying for 2weeks to get a freeze They sent me a link to click on I sent a picture of front and back of my state ID and a selfish as requested confirmed my social security no. My previous address my present address my email address my phone number and tried to answer as many other questions as I could they were not satisfied with who I said I was even after sending me a link which I immediately clicked on which they verified receiving no freeze possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been deleted from my credit report as a result of an error. This account reappeared on my credit report. I received a letter stating they would delete this collection from my credit reports for a second time. This collection still remains.
Product: Credit reporting or other personal consumer reports

Company keep changing their policies and not notifying the consumer. Payments are payroll deductible. Due to my change in position, I get paid monthly instead of weekly. I was advised by XXXX to change my allotment to total weekly payments for the month which I did. I have to keep reaching out to this company. I was never told that my monthly payments is considered past due even though it equals the 4 weekly payments, so shouldnt 30 days past due. Payments are being made within 30 days. Amount is inaccurate reporting. Their website show my account current and they will never notify consumer of change in policy. According to TILA/Regulation 12- notifying consumers section 12 CFR 1026.9 ( c ) - change in terms : this section requires creditors to notify consumers in writing if there are significant changes to the terms of a credit agreement, including payment schedules, interest rates, or fees. 
Timing : The creditor must provide a notice at least 45 days before the change takes effect. The notice must explain the nature of the change and its effective date. This ensures consumers have the opt to review and respond to sign changes to the terms. Credit Report states my balance is {$2300.00}, with a past due amount of {$600.00}. When I called that was not what was stated. THEY CANT KEEP CHANGING PAYMENT SCHEDULE POLICY WITHOUT PROPER NOTIFICATION AND THEN REPORT ME AS 30DAYS LATE WITH DIFFERENT AMOUNTS. XXXX accounts show me as current with a different account balance.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act XXXX XXXX XXXX # XXXXXXXX Capital One # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights.15 U.S.C 1681 Section 2 ( A ) States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) A person shall not furnish information relating to a consumer reporting agency if- ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

The information provided to the persons was enough reasonable cause to have knowledge that the information was in fact inaccurate.The judgment from the courts shows I was XXXX from XXXX to XXXXXXXX XXXX XXXX when I received 7 years of XXXX and released so there is no way I opened these accounts nor gave anyone permission to do so.
Product: Money transfer, virtual currency, or money service

I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.
Product: Debt collection

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not/has not removed the 2 judgements on my credit report due to the National Consumer Assistance Plan as of this date. I tried to submit disputes for them, but their website has locked me out from disputing those items as previously disputed. I tried contacting them, but no one will assist me over the phone about removing those 2 items since the records do not contain my DOB or SSN.
Product: Credit reporting or other personal consumer reports

I received an email from CapitalOne on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.
Product: Mortgage

The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....
Product: Payday loan, title loan, or personal loan

Someone stole my ssn and applied for a loan for americanfirstfinance without my permission and they did it on my phone I need my ssn shut down please and thank you
Product: Checking or savings account

XXXX. On XX/XX/XXXX, an incorrect bank transfer into my account was initated. This was a mistake as I was attempting to send my {$34000.00} out of my account to an external account. 
XXXX. There was a NSF on the external account and the transfer did not go through. Once again this was a mistake as I was attempting to send money OUT of my account. 
XXXX. On XX/XX/XXXX, in another attempt to send money OUT of my account I initiated a wire as I needed the funds transferred out immediately. 
XXXX. By Friday, XX/XX/XXXX around XXXX, I called Ally Bank inquiring about the status of my wire. I spent over XXXX hours speaking to multiple people who were unsure as to why the wire did not go out. In fact I spent XXXX hours with XXXX individual who was unable to get in touch with their wire department. The wire department was being completely unresponsive to the customer service representative and he indicated to me there was a problem with the bank sending wires. No action occured and no information was obtained as to why the wire was not sent out. Following XXXX hours of contacting customer service, I requested to cancel the wire. 
XXXX. I then initiated another ACH transfer OUT of my account for {$34000.00} on Friday. 
XXXX. On Monday XX/XX/XXXX, the funds did not leave the account. I called MULTIPLE times and spoke to multiple people who assured me that there was no restrictions on my account. No one could figure out why my funds were not leaving. 
XXXX. On Tuesday, XX/XX/XXXX, I called multiple customer service representatives who were unable to determine why the funds were not leaving my account. I have one customer service representative assure me that any restrictions were lifting. Shortly after spending an hour to reach that conclusion, I received an email at XXXX XXXX indicated that Ally has suspended my transfers. I then called AGAIN and inquired as to why my account was being suspended for transfers. I spoke to MULTIPLE customer service representatives include XXXX XXXX ( Supervisor ) who accidently transferred me mid-call to XXXX XXXX in Deposit Operations. Neither had any clue as to why there was a restriction placed on my account.

ALLY Bank is holding my funds against my will. The customer service representatives are knowingly misleading me. I feel discriminated against. I have spent almost XXXX HOURS dealing with person after person after person. I want to remove my funds from ALLY and CLOSE MY ACCOUNT immediately and they wont let me. XXXX XXXX even tried to claim i didnt have {$34000.00} in my account! I dont feel as though my money is safe. I feel defrauded. I dont know what to do. No one is helping me. I am submitting the latest screenshot of my account as of XX/XX/XXXX at XXXX ET in case ALLY attempts to defraud me and steal my money.
Product: Debt collection

I received a letter from XXXX XXXX XXXX Address : PO box XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last XXXX digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.
Product: Mortgage

I went to settlement in XX/XX/XXXX. Prior to the first mortgage payment becoming due I was notified HUD was transferring the loan., There was no ESCROW analysis done by the mortgage company until XX/XX/XXXX. In XX/XX/XXXX, I received notice that the monthly payment was going up $ XXXX ( rounded ). I noted that the Real Estate Attorney transferred $ XXXX ( rounded ) at the time of settlement. Each month, the Lender/mortgage Company -- Nationstar Mort LLC DBA Mr. Cooper also sent statements saying he was collecting an amount over and above the $ XXXX he received. When I received the ESCROW analysis, I began to ask questions on how he calculated the increase. I think it significant I think since it did NOT include Hazard insurance or any other expenses except, principal interest and taxes. I began asking questions on how the new amount was calculated. They said they would respond in 7 days, then 10 days and now 30 days. I researched and can not determine how much I paid in taxes ; how much was reported to the IRS was different than what I thought I should owe. The Seller did NOT appear to pay their share if they did, it appears they Mr. Cooper over collected and potentially over reported my portion to the IRS. Several days ago I received notice Mr. Cooper is transferring the mortage/loan to another party - SLS.