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

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were reinstated without notifying me within the required XXXX window, as mandated by XXXX XXXX. XXXX ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : XXXX U.S.C. XXXX ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; XXXX XXXX. XXXX ( a ) ( XXXX ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and XXXX XXXX. XXXX, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. 

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

Checked my credit report and it appears that there is inquiry of the company that I did not authorize to be ran as many times as it did. I Reported it and I did not provide express authorization. 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: Checking or savings account

On XX/XX/2024 I was in XXXX with my sister and niece. I received a phone call from the US Bank fraud department for a suspected irregularity on my checking and savings accounts. This is a language used and I can't tell what this means. I was not involved in any form of fraud, and they elected to close my account for this reason whatever this is. 

In a written communication from account closures of US Bank dated XXXX, it states that if the account has a positive balance a Cashiers check will be mailed to you within 15 business days if all previously deposited items have been verified It is now 45 days later as of XXXX XXXX XXXX, as there are no deposits pending to verify. A total of XXXX was wired into my account from an attorney, and at present theirs a total of XXXX being illegally held. 

In this same letter from the US Bank it states if I have any questions, please contact the branch manager at XXXX. 

I went down to the branch where I opened the account, and spoke to the branch XXXX XXXX, and was told that corporate management does this all the time, and he was a punching bag for irate customers, and he could do nothing. 

This is costing me XXXX in income from short investments in securities. 

Would you please expedite my funds, Would you please compel my funds to be expedited, XXXX XXXX I do not have access to my funds. 
I do not have access to on line, the on line app, nor do I receive paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months freedom mortgage has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for XXXX
Product: Debt collection

In XX/XX/XXXX, I contacted zwicker and associates to resolve a debt I had with an old XXXX card. It was agreed that I would make XXXX payments of {$1000.00} every month, starting XX/XX/XXXX. However, zwicker and associates stated that their system only allows 12 months of automatic payments and I would have to call back in XX/XX/XXXX to set up last XXXX payments. I attempted to contact the same representative twice on XX/XX/XXXX and was told that she was not available. In XXXX I spoke with another representative who stated that its impossible to find that original representative because of the way their phone system is made so she offered to help me set up the XXXX remaining payments. I told her that since its now XXXX, can the final payments be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She said yes, she set up the plan and transferred to Support who would take my bank information. Once I was transferred, Support said that what he has on file is XXXX payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told him that this was not the arrangement made. He said that he would transfer me back to the representative however after several minutes he said that he could not locate her and transferred me to another person. This new person said something completely different. She said that I couldnt make XXXX payments starting XX/XX/XXXX. She said my final payment could not be XX/XX/XXXX. She said that I had to make XXXX payments in XXXX and the final XX/XX/XXXX. I asked why when the previous person said I could. She said that in her computer system she does not see the payment arrangement made by the previous representative and that the previous representative only put down that I missed a payment. Both of these representatives are lying. The payments arrangement had to be in the computer because when the previous representative transferred me to Support that representative had it in his computer system. Why did it all of a sudden disappear from the computer system. Further, I told the representative that I am aware that phone calls are recorded. That her manager could go back and listen the call. But she was pushy and insistent that I needed to make a payment. So I only agreed on the XX/XX/XXXX payment and said I would call back and I also said I wanted to file a complaint and a resolution. She said a resolution could not be met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email from XXXX XXXX and XXXX XXXX regarding a loan application that was submitted to them in my name. 

This was a fraudulent application, which I did not make. 

As a result of this information, I attempted to place a security freeze on my credit reports. I was successful in doing so online with XXXX and XXXX however, Experian refused to freeze my account. 

They provided absolutely no information and demanded that I mail my request to them. 

Time is of the essence, as the result of the fraudulent application for a loan in my name and therefore waiting several weeks to mail my information is problematic. 

This appears to be a universal problem with Experian and I would appreciate any assistance you can provide me. 
Thank you XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; Please help and intervene and take over this process. SPS has placed my mortgage resolution in to a cookie cutting process that does not appear to be sensitive to my unique circumstances. The fraud in XXXX mortgage origination and XXXX modification. 

Origination : XXXX did not disclose that the mortgage was not economic ; The P & I is less than the taxes. Who buys a house to pay taxes? A home is purchased as an investment and not expense. 

I was given XXXX mortgage to conceal the true leverage for XXXX. I thought one was a credit card. 

Modification The XXXX XXXX XXXX modification did not provide a reduction in principal and interest. 

The P & I after modification was higher that at the origination. 

The modification did not provide a principal reduction. 

I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a major cardio arrest in XXXX. XXXX. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 



An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

While investigating my Experian credit file I have discovered inquiries that do not belong to me. 

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, credit repair services, or other personal consumer reports

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX XXXX 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX XXXX 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Debt collection

On XX/XX/2022 Credit Collection Services ( CCS ) signed for a Certified piece of mail that I sent on XXXX XXXX. The letter consisted of a formal dispute of a debt they claim I owe. I requested CCS provide " validation '' that beared my signature showing that I had or ever had any contratual obligation to pay them. CCS was also advised that any negative mark found on my credit report was a violation of the FCRA & FDCPA. CCS responded with a supposedly " final bill '' with another company 's name on it, claiming I owe them for the bill ; with no supporting paperwork that is, competent evidence, bearing my signature showing I had or ever had any contractual obligation to pay them. Their response has failed to provide me with viable evidence bearing my signature that the account is being reported accurately. 

On XX/XX/2022 I was notified by XXXX that CCS has placed a collection item on my credit file illegally. CCS has violated the FCRA, FDCPA and state and local laws by doing so and not providing me with proper evidence to validate the debt.
Product: Debt collection

I received a letter several months ago from Linebarger Goggan Blair and Sampson stating they represent the state of New York Thru Way and that I have XXXX in unpaid tolls through the State of New York through the XXXX XXXX XXXX. I called and sent them a letter advising that I have never been through the state of New York and that those tolls could not possibly be mine. I requested by telephone twice and in writing evidence including dates and photos and they will not provide me with such. I advised them that I will not pay anything until they produce specific evidence as I have never been through the state of New York. The collector I speak with at this point invariably gets nasty. I have to assume this is a fraudulent attempt to collect a debt and perhaps someone is impersonating the law firm? They keep giving me the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXX XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account or update every late payment XXXX XXXX XXXX XXXX and XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXXXXXX XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX XXXX XXXX XXXX  XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to EQUIFAX, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EQUIFAX and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inquiries : XXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020
Product: Checking or savings account

A company contacted me about student load debt forgiveness and consolidation. They said they were affiliated with the Department of Education. They sounded legit and were even able to pull up how much student load debt that I had. I decided to go ahead and do it. After 8 months of paying I realized that I had been scammed. I tried logging into my Student Aid account on this site but could not. I had my password reset. I then accessed my account and found my name and info but the security questions and some of the other info was in the name of the person that had scammed me. I was defrauded out of {$1400.00}. I contacted my bank but they were not able to contact them to get the money bank. All they could do was put a stop payment on them. The company first went by the name XXXX XXXXXXXX XXXX. Then they changed their name to XXXX XXXX XXXX. Again, they defrauded me out of {$1400.00}. I have since had a child and am in the process of building a house. This money would really be very helpful. I wish I could get it back but the bank said they can not help me. Even though this person that defrauded me was impersonating a company and said they were affiliated with the Department of Education. I hope they get shutdown so they can not defraud anyone else.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to SHELLPOINT MORTGAGE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.
Product: Debt collection

Two different collectors are charging me on behalf of an apartment complex for rent. They are also charging the wrong person. I never owned a apartment on XXXX XXXX XXXX XXXX Tx XXXX. The person who actually had a lease agreement at the apartment ( the collectors are trying to charge me DOUBLE for ) is named XXXX XXXX XXXX. XXXX date of birth is XXXX XXXX XXXX and his S.Security # XXXX. These charges belong to XXXX XXXX it was his lease and the apartment XXXX said she had to have my name since I was his girlfriend just so when staff saw me they would know I had a right to be there as a visitor but that was a lie because now Im stuck with two bills.

Now I will list the two credit collectors : 1 ) 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 ( side note : here they are lying about the Date open again when its XXXX ) * This is fraud. These companies are trying to get over on me and was very nasty when I called them about this and the they both updated the the open dates after I phoned them. They told me I had to pay this when I never got this apartment in my name! AND both of them are charging me for the same apartment and different prices! Help please. This should not be in my credit report. I also want to add that XXXX XXXX had stayed full term at that apartment but on the last month he was supposed to pay rent, he did not pay. Instead he moved out with it BUT that was only {$1000.00} he didnt pay so where are they getting over {$3000.00} from? Nothing about this is right. I even called the apartment complex ( XXXX XXXX  ) and they have know idea what these collections are about and they couldnt find me in their system either!
Product: Checking or savings account

I had a mortgage with Chase. I sold my condo on XXXX. I was told on XXXX " We'll mail you a refund You'll receive a check for an estimated {$4100.00} by XX/XX/XXXX, for the extra funds we received on your account. '' On XX/XX/XXXX I called chase, found they sent my check to the place I sold. I asked on XX/XX/XXXX if they could deposit the money into my Chase savings account. I was told YES and it would take 2-3 business days. 

On XX/XX/XXXX I called and asked where my money was since it had been 3 business days. I was told it 'was in progress ' and that it would be in the account by XX/XX/XXXX. 

On XX/XX/XXXX I called in, spoke to a 'supervisor ' who said it would be there by the end of the day ( a friday ). I asked what I should do if it doesn't arrive, he said " call us Saturday we work then too ''. 

On XX/XX/XXXX ( Saturday ) I called back. I spoke to yet another supervisor who told me he had no clue where my money was and that it wasn't his problem to help me. He kept talked about " us '' and " them '' ( meaning mortgage and checking depts ). He told me he'd email someone but told me no one works weekends. 

It seems unfair that they can keep my money from me without having to pay some kind of penalty. we are talking about them stealing over XXXX $ from me, money they agree is mine, but money they won't give me. 

If I missed a payment to Chase, I would get heavily penalized from them. Is there any way to have Chase penalized for stealing my money?