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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX
Product: Debt collection

Debt was sold to 3rd party without notifying me. This violates my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I was a victim of identity theft, someone got hold to my information and put a car in my name from XXXX XXXX and Ive been trying to get this off my report since XXXX when I saw it
Product: Credit card or prepaid card

I got an email this morning from Chase saying that on XX/XX/2021 my now closed account ( they did that as punishment ) will be charged penalty APR of 29.99 %. They are the ONLY creditor that has not reduced my interest rate during this nearly 1 year long pandemic. This is CRIMINAL. I had been paying as much as I could during COVID but they took all my remainaing credit ( over $ XXXX ) away after a $ XXXX payment in XXXX. I haven't received a dime in unemployment in over 2 months so I will have to borrow money when I try to settle this debt because with what I have paid in interest over the last year I could have substantially reduced my principal.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : Unknown - Account Number : XXXX - Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am writing to address a significant issue regarding the escrow tax payments associated with the property. 

Upon reviewing the recent Escrow statement, I have identified a discrepancy related to my account. The issue involves the billing of taxes for an incorrect property, which is not under the financing or ownership of the bank. 

I have constantly contacted the bank about this error for over a year and it is is causing financial strain and requires immediate attention. I kindly request that the tax amount be recalculated for the correct property and that any incorrect charges associated with the other property be promptly removed. 

Please provide a corrected Escrow statement as soon as possible. I trust that swift action will be taken to resolve this matter, and I look forward to your prompt response. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company several times in the past regarding the inaccurate reporting of the mortgage loan on my credit report and the claim there is noting they can do because I filed bankruptcy and they can not report after that date even though the loan is still open and being paid on. How it is being reported on my credit report needs to be corrected somehow to reflect accurately! 

It is beginning to negatively affect me. I recently had credit denied XX/XX/20 because, " Lack of real estate secured loan information ''. The account information has an incorrect balance, missing payment amount, the account status is incorrect.
Product: Credit reporting or other personal consumer reports

I disagree with accounts listed below which still appears on my credit report, even after your investigation. We can not say these accounts are 100 % accurate so its deemed XXXX u.s code XXXX ( XXXX ) treatment of inaccurate or unverified information ( A ) In general if after any reinvestgation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that information from the file of the consumer report. Please delete these accounts immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my file are unidentified and unauthorized.
Product: Credit card or prepaid card

XX/XX/2020 : I was alerted to suspicious activity on my card of a purchase at XXXX for ~ {$4800.00}. I promptly responded and inform that someone had called using a phone number not associated to me and approved the purchase. I informed them that I did not make or approve the purchase and that it was in fact fraudulent. The analyst told me the purchases would be taken off my account. 
XX/XX/2020 : Charge still showing on my account. I called chase multiple times with extremely long wait times and unable to speak to fraud department due to my work hours. So I made my wife an authorized user on the account so that she could speak with chase on the phone regarding the fraudulent charge. 
At some point the charge was removed from my account. 
XXXX : Charge appears again on my account although not listed on my statement. After speaking to fraud department, they inform me that I stated to them in our XX/XX/2020 conversation that I approved of my wife making the purchase. THIS IS AN UTTER LIE. There is no other way to phrase it. 
Have called and emailed chase repeatedly since that time with little to no response regarding addressing or resolving the fraudulent charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX  # XXXX account is listed erroneously.
Product: Mortgage

I forgot that I had autopay set up and accidently made an extra payment and Nationstar Mortgage would not issue a refund without a bank statement or having a XXXX bank customer service representative on the other line. XXXX even stated this was unusual and they should have just issued the refund. This causes me to be short on money for groceries, and utility bills for a longer than necessary amount of time as well as causing XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX..US DEPT OF ED/XXXX  Account # XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Reference # XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

creditor called me as a md resident on a sunday regarding a past due payment
Product: Checking or savings account

XX/XX/2022 BANK OF AMERICA IS HOLDING MY SOCIAL SECURITY CHECK DUE TO INSUFFICATION FUNDS THEY SAY I OWE THEM XXXX. SO I HAVE NOT RECEIVED MY SOCIAL SECURITY CHECK. I HAVE CALLED BANK OF AMERICA SERLE TIMES AND THEY KEEP SAYING THERE WORKING ON IT. TODAY XXXX XXXX I GOT A PHONE FROM THE BANK OF AMERICA THE BRANCH AND SHE HAD A DEBT COLLECTOR ON THE OTHER LINE SAYING THAT I CAN MAKE MINIMUM PAYMENTS TO FIX THE DEBT THAT THEY THINK I OWE THEM. THE STORY IS I ORDER CASHIER 'S CHECK ON XXXX XXXX FOR XXXX CASHIER CHECKS. BANK OF AMERICA IS SAYING THE CASHIER 'S CHECK DIDNOT CLEAR TILL A WEEK LATER, AND BANK AMERICAN IS SAYING THEY HAD A ELICH IN THE SYSTEM SO MY BANK ACCOUNT IS OVERDRAWN, AND NOW IM IN THE NEGATIVE DUE TO THEIR WRONGDOING, WHICH IM PAYING FOR. I CANT PAY MY BILLS IM LATE ON ALL MY BILLS
Product: Checking or savings account

I received my EIDL disaster recovery loan into my bank account that I have used for my XXXX XXXX for more than a decade. My original EIDL loan also came to this account. Now Citibank is freezing the money in my account stating that I can not use my account for this money. I need to access the money that I got from the federal government to continue running my XXXX!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Debt collection

I entered into a lease agreement to rent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The lease term was from XX/XX/XXXX, to XX/XX/XXXX. During my tenancy, I submitted several maintenance requests, but unfortunately, the management never addressed them. Given that I was pregnant and couldnt comfortably stay in the unit with my other children, I decided to vacate the apartment before the lease officially ended. I moved out in XXXX, and my delivery took place in the first week of XXXX. 

However, Ive been receiving messages from both XXXX XXXX XXXX and a collection agency regarding an outstanding amount. It seems that the management has added maintenance fees and other charges to the total owed ( {$4300.00} ).
Product: Credit card or prepaid card

Capital One Bank and the Credit Cards I have with them, did absolutely zero to help with lowering interest rates from the beginning of the Pandemic to this Complaint. Others has totally understood the severe financial hardships and made continual adjustments to keep solid customer relations. Not Capital One Bank, they positioned themselves as a XXXX XXXX lender, which I considered very much unjust in enriching themselves during this terrible time. 
I have emailed the CEO not once But twice on, not one reply, they should to repay me all the unjust high interest to me or reapply to my cards as this comes into acceptance, you can do this and you can see from all cardholders that have the same problem, defrauding all with extortiive rates. 
Be well, XXXX XXXX, De XXXX
Product: Mortgage

I have tried on a number of times to apply for XXXX, They take my name & phone number and inform me they will contact me in 48 hours. But no calls. I have asked to talk to a supervisor to be put on hold and have waited hours on hold with no response. And my billing when I call to check on loan keep charging me a late fee claiming my payment is late. But my bank shows that payment was received but XXXX XXXX is not showing it made on time. Sometimes showing days late. I would like to have this checked on and get it straighten out. PLEASE!!! XXXX XXXX XXXX
Product: Mortgage

I used to pay the advance due every month regarding the house mortgage, but one day I was not able to pay the mortgage due, but after three months I said to them, Can you help me to divide the three months for me to pay extra for each month? They don't accept.and we working hard to get money to save the house. only one week to sell My house. I sent to them the money They changed me with interest and the right of a lawyer, who was big amount, and after all this effort in order to save my house in which we lived as a husband, wife and XXXX  children, and I think the amount exceeded {$12000.00} and I continued to pay them every month, so they changed the bank for me to another bank without our knowledge and without To sign any paper, thank you If you need more information let me know I can explain more butter
Product: Debt collection

This debt is not mine nor have I provided written permission for use of my private information. The referenced account is not related to any transactions by me.
Product: Vehicle loan or lease

I purchase in XXXX all the way til XXXX Will always been charge differently Always did false advertising
Product: Checking or savings account

On XX/XX/XXXX, I received two letters indicated that WF fraudulently obtained and then used my personal information to set up I requested accounts. I spoke with WF and was told I would receive two checks : {$240.00} {$3400.00} Said checks would be received within twenty days, XX/XX/XXXX or XX/XX/XXXX. 

Then on XX/XX/XXXX, I received a THIRD letter outlining WF fraudulent conduct involving additional actions. I contacted WF again and was told, I would receive a THIRD check in the amount of ; {$2600.00} AS OF TODAY XX/XX/XXXX I HAVE NOT RECEIVED ANY CHECKS WHATSOEVER. 

What I have received is a royal run around with incorrect, duplicitous, information. 

I filed a complaint with WF, and discovered that the first two checks were not approved until XXXX respectively and the third check, subject of the XX/XX/XXXX co tact has still not been approved. 

I have been sent back and forth between various departments at WF. The last contact was today, XX/XX/XXXX where I was told the matter is being handled by XXXX XXXX, but my request for XXXX contact info was refused. 

I filed a complaint on XX/XX/XXXX COMPLAINT # XXXX There is absolutely no oversight, respondents give patently incorrect information, refuse to provide particularized information as to who can resolve the matter and send me to myriad departments, which engage in conduct which obfuscates and withholds. 

BASTE!!!!!! 

I want all three checks ASAP, without further delay.
Product: Debt collection

Several years ago I received a notification from XXXX XXXX XXXX XXXX that my order was received and shipped. Ive never had XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and was assured the shipment was stopped and all was resolved. Last year a delinquent account popped up on my credit. It was a collection company unable to collect a XXXX XXXX XXXX XXXX balance. I disputed it and it was taken off my credit. Recently a different collection popped on my credit. Different collection company but same XXXX XXXX XXXX XXXX account. As I said I resolved this because it was fraudulent. It was turned over to collections without sending any information to me about it. The only knowledge I had was the shipment to someone in my name and XXXX XXXX XXXX XXXX assured me it was resolved. I disputed the latest collection on my credit but this time they said it was verified. This blows my mind how this could happen.
Product: Debt collection

I have done my due diligence to get this debt validated and to no avail. I do not have a contract with portfolio recovery. In XXXX of XXXX  I filed a complaint and they responded that they will look into and it is now XXXX and nothing has been done. Therefore this account should be removed immediately from my credit report. All of the information listed on my credit has been altered and is incorrect. They are in direct violation of section 809 of the FDCPA and if the proper resolution is not rendered I will have to move foward with legal counsel.
Product: Credit reporting or other personal consumer reports

fter reviewing my report, I noticed the following unauthorized inquiries, which I believe were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not related to any applications for credit or services that I initiated, and I am concerned they may be the result of identity theft. I kindly request that TransUnion investigate these inquiries, remove them from my credit report, and take any necessary steps to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

There was a vehicle taken out in my name by identity theft The company name is XXXX XXXX have sent a police report of the incident and also a FTC report I told XXXX I was a victim of identity theft.. I have reached out to the credit bureau furnishing this inaccurate information and ask them to provide me what evidence was used to verify this account to stay in my report and they DO NOT WANT TO PROVIDE IT WHICH IS ILLEGALThe credit agency is Experian.