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

Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at   XXXX   XXXX   XXXX   XXXX  , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED  MY INFOR A S I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is matching. I would also like a free updated credit report sent to my address once the se accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balance   XXXX   XXXX   XXXX   {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}   XXXX   XXXX   XXXX   XXXX   {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have the  Legal Permissible Purpose to access my credit report and under FCRA can be disputed thro ugh the credit bureau. It is then the companys responsibility to prove permissible purpose i. e. Inquiry fo r credit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number T hereof   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX, XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 card

've always made sure that payments on this account are made on time, avoiding any instances of them becoming overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

XXXX XXXX account opened XX/XX/XXXX after disputed information XXXX removed from credit This XXXX adds collection XX/XX/XXXX ( 9 months after removal ) of a debt of XXXX " original creditor XXXX '' and the account opened " XX/XX/XXXX '' I have not had a XXXX account since XXXX, which XXXX properly reported. XXXX sold the debt after removing it on a 7 year reporting, then buying company reports the account opened when they purchased it not the original creditor account opening. 

They also have no original account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX XXXXXXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek Legal Counsel and filing a compliant with FTC.
Product: Checking or savings account

On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account. 
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money. 
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.
Product: Vehicle loan or lease

Without my consent, the payment that was made on XX/XX/year> was transferred to interest, something that I did not authorize and at this time they informed me that I have not paid the 6th month and because of that my credit score is low and I need help with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is listing a XXXX account twice on my credit report. I have disputed the error with TransUnion on two occasions, requesting that TransUnion correct the error by removing one ; however, TransUnion continues to report the XXXX account twice on my credit report resulting in it appearing as two accounts. TransUnion is in violation the FCRA laws by continuing to report the same account twice and not properly investigating the dispute.
Product: Debt collection

I have sent correspondence to the original creditor Citibank multiple times, a 3rd party collection agency and now this company XXXX XXXX XXXX. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from XXXX XXXX XXXX stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
Product: Credit card or prepaid card

On XX/XX/2021 American Express sent me an email telling me that I was approved for a XXXX XXXX  Card ending in XXXX. I then called American Express and asked that the card be canceled immediately. 

After a labor-intensive call which took time to get past the automated voice reception, then 3 successive service technicians, I was able to get the card canceled. I subsequently received an email confirming the card cancellation. 

However, 6 days later on the XXXX of XXXX, I received an email stating, Your new card ending in XXXX is on the way. I found this to be a problem because I had not reordered the card since I canceled it. I did not see why It was being resent. 
So, again I called the labor intensive American Express automated voice service and then to the technician progressive steps. This is an extremely frustrating experience for me because of the lack of compensation for the time it takes. I am an extremely busy man. 

I asked the service tech to again cancel card ending in XXXX. She said, it was already canceled. I then asked why am I receiving second email stating that the card is being sent. I then again requested that the card be canceled. The service tech said it needed to be forwarded to her fraud department. 

This is taking far too much time for me. I did not reorder the card. AME sends emails that are one way meaning, I am not able to reply to them as they say do not replay. Instead, what they demand is that I go online and log into an account and communicate at their server, then wait days for replies by visiting the online server again. This is not acceptable as it again laborious and time consuming. 

This is not a difficult issue. Cancel the card and do not resend it. Just that simple. 

Thank you.
Product: Debt collection

I provided Transworld System with proof that the collection account appearing on my credit report is fraudulent and not mine. I also sent them evidence of my address at the time the account was opened, which was XXXX 

The renters insurance bill for that month and year shows a different address from the one used to open the fraudulent utility account. This clearly indicates identity theft, as supported by the documents I provided. As a result, this collection debt is a consequence of identity theft and is negatively impacting my credit report. Transworld System denies removal to each credit bureaus.
Product: Debt collection

XX/XX/2019 ... I sent a dispute to the credit bureaus requesting verification of this account, also I asked for debt to remove off my credit due to no supporting documents that this my account. Also this company can not provide any documentation with my signature to verify this was my account
Product: Credit reporting or other personal consumer reports

I have already contacted XXXX. They say that in XX/XX/2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XX/XX/2023. XXXX says to file a complaint with StudentAid.gov. I did that today also. XXXX says it is impossible for them to update the XXXX credit reporting agencies that my balance is XXXX. XXXX XXXX shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe XXXX this amount of money, when in fact I do not. I have worked in public service for 10 years and much of my student loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe XXXX XXXX.
Product: Debt collection

Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.
Product: Mortgage

This is a follow up on complaint # XXXX. 

After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX   owns my loan. 

I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is. 

I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.
Product: Student loan

Subject : Urgent : Lack of Response on Forbearance Applications Submitted in XXXX and XX/XX/year> To Whom It May Concern : I am writing to express my frustration and concern regarding the lack of communication and action on my forbearance applications submitted in XXXX and XX/XX/year>. Despite multiple attempts to address this issue, I have yet to receive any confirmation, updates, or resolutions from MOHELA. 

This delay is causing significant financial strain, and I am disappointed by the lack of responsiveness. I have called numerous times seeking assistance, but I have been unable to connect with a representative who can provide clear answers or quality service. Each attempt has left me more frustrated and without a resolution to my pressing concerns. 

The financial challenges I am facing make it imperative that this matter is addressed promptly. I trust that MOHELA values its borrowers and will take the necessary steps to rectify this situation without further delay. 

Please respond to this email or contact me directly at XXXX or ( XXXX ) XXXX as soon as possible. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a notification on XXXX about a debt Sold to a third-party collection agency from XXXX XXXX XXXX in the amount of {$3300.00} I have no knowledge of that account nor have I ever had an account open with XXXX XXXX XXXX XXXX XXXX XXXX have experience know months ago that my identity was stolen and I also have filed police reports due to said identity being stolen I have requested information about the debt and have not received any information in return or proof that I was the one who opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/19 and XX/XX/19 I received a notice stating my car loan account was closed with XXXX XXXX  XXXX XXXX on my Equifax and XXXX  reports. I still have the car in my possession, my payments are current and this is my primary vehicle. I contacted XXXX XXXX XXXX XXXX whom informed me after investigation my account is positive with a balance of {$7400.00}, but there is nothing they could do for this to reflect on my credit report, and are unsure why my payments made are not reporting on my reports and this would have to be disputed immediately. my credit score declined 30 points due to this action and I am seeking resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I contacted XXXX XXXX XXXX XXXX concerning a new bill I received, even though I no longer had an account with the company. 

I had transferred my account to my now ex-wife and she was legally responsible for the account as part of a divorce proceeding. She was the only person that actually had telephone service through XXXX XXXX XXXX. 

I was advised that when the transfer was accomplished, there were two telephone numbers transferred to her, but she refused one of the numbers. XXXX XXXX XXXX representatives advised me that I was responsible for paying for the number that remained. 

Prior to this transfer, the number in question was simply a " placeholder '' number with no device, calling plan, nor data plan. The fee to keep the number assigned to the account was XXXX per month. However, after this transfer, XXXX XXXX XXXX began charging me XXXX per month for the same number, without notifying me of any change. I had no means to access any service on this line whatsoever. 

I disagreed that I owed more than XXXX for something I could not actually use in anyway. XXXX XXXX XXXX elevated that call to a supervisor, who completed a protest for forwarding up the approval chain. I never heard anything else from XXXX XXXX XXXX. 

In approximately XXXX XXXX, I noticed a new collection account on my credit report. XXXX XXXX XXXX had turned this account over for collection and this is hurting my credit score.
Product: Debt collection

My father had a XXXX  cell phone account with my mother, I was not on this account and was not an authorized person on this account. My father died of XXXX on XX/XX/2020. My mother and I both tried to close my father 's account and pay out many times in XXXX, XXXX and XXXX. We each called t least three times and the call would drop or they told my mom a manager would call her back at least twice, and no one did. I went in person and they said I can not close the deceased line because I can't prove they are deceased and I am not on the account and therefore can not make changes. What they did decide to do is put the account in collections in XXXX and assign the collections to me. So somehow I was unable to provide a death certificate to close the account because I was not an authorized user but I was close enough to have the collections placed on my records. How abusive is this to not provide a method to close the account of deceased people during a worldwide pandemic. How starved is this corporation for my deceased father 's {$120.00} for a phone bill they refused to help close, after his death. I can not express how difficult it was to burry my father in a raging pandemic and then come home to deal with a collections account on my record for his phone bill. All other accounts I needed to clean up on his behalf allowed me or my mother a path to close the accounts, show death certificate and pay out but not XXXX They wanted to bill my dad for phone usage after his death. I am happy to provide his grave details, where they can dig for his wallet to secure the {$120.00} they are attempting to collect. I have filled many complaints via XXXX XXXX but the collections is still listed and I would like to report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was fraudulent transactions in my account and the XXXX XXXX did not resolve. I was cooperative in the investigation. I have contacted the XXXX XXXX XXXX XXXX ( XXXX ) and was told to create another report because this is not their jurisdiction.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies and Im the Consumer. I have the right to make sure that the my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 Section 604, Section 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other reason : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies, XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( C ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states, 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 inaccurate. 15 U.S. Code 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of all reporting services.
Product: Credit card or prepaid card

There is a charged off account from Capital One on my credit report that does not belong to me. I am the victim of Identity Theft. 
I have submitted my police report and FTC affidavit multiple times and have had no success having it removed.
Product: Money transfer, virtual currency, or money service

Citibank paid the sum of {$1700.00} ( transaction ID : XXXX ) to my bank account ( XXXX ) on XX/XX/2022. The fund couldn't be claimed by my bank within the specified time per the wire instructions, so it was reversed ( or so I was told by my bank ). I have been trying to get Citibank to re-initiate the transaction without success.