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

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Someone illegally obtained my information and opened fraudulent accounts and used XXXX XXXX XXXX XXXX which I have NEVER lived in that XXXX  unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX  Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX XXXX XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXXXXX, Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXXXXX, Equifax, XXXXXXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX  Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times and Equifax has yet to remove the fraudulent credit inquiries from my credit report. Please see below for the fraudulent credit inquiries. 

XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I currently have a mortgage that is serviced by LoanCare ( a XXXX company ). Using their web site MyLoanCare.com I attempted to make my mortgage payment as I always have on XXXX XXXX, XXXX in the amount of {$1300.00}. According to their site records this payment was reversed on XXXX XXXX, XXXX. I looked thru my bank statement during this period of time and I am not showing that a withdrawal was ever even attempted. I logged in again to attempt to correct this on XXXX XXXX, XXXX and made another payment of {$1300.00} which also show on their web site as reversed on XXXX XXXX, XXXX, again with no record on my bank statement of ever being attempted. On XXXX XXXX I received a phone call from LoanCare telling me that the payment had apparently not gone thru still. I asked the woman how this was happening as I had never had an issue making payments on their site before in the almost 6 years prior. She told me I must have typed in the routing number or account number incorrectly which seemed unlikely as the web site makes me confirm these and it had never occurred in the past. I continued making my payment since then and have not had an issue again with the web site. 

I later discovered that LoanCare was reporting a 60 day mortgage late which has greatly hurt my credit score and ability to purchase a new home. As this was caused by some sort of web site error I called LoanCare on XXXX XXXX, XXXX asking as a one-time courtesy that they remove the 60 day mortgage late they are currently reporting from XXXX XXXX. I was told I must e-mail them making this request which I did that same day. I was informed by the woman and confirmed via e-mail that I would receive a response in 10 business days. I never received a response. I also called their executive office and left a voicemail at the number XXXX on XXXX XXXX to see if it was possible to expedite the process in any way. That has also gone unreturned as of today. I have called multiple times again since then but the woman 's mailbox is full on that number so I assume I will not be getting a call back from her any time soon. 

This is the only late reporting on my credit with LoanCare. They have no automated system set up to inform the consumer if their web site decides to decline a payment as it did here. They are in my opinion one of the worst servicers of mortgages I have ever had to work with and their customer service is awful with hour plus wait times to speak with someone at times. At first I thought they were a nuisance but had I known they would damage my credit with their outdated and cumbersome online payment system I would have refinanced years ago and paid a higher interest rate just to get away from them. They bought the servicing on my loan and it has been a nightmare even since that is now stopping me from purchasing a new home due to the inaccurate 60 day late on my credit score. The CFPB is my last hope as my calls, e-mails and voicemails have resulted in no help or the majority of the time are n't even returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed
Product: Credit reporting or other personal consumer reports

XXXX & SYNCB/XXXX I am writing this letter received a credit alert that an account for SYNCB/XXXX on XX/XX/XXXX and a charge for a XXXX XXXX was purchased and called them and it was delivered reported it to the bank and theyre investigating it. Another alert for hard inquiry was taken for the XXXX on XX/XX/XXXX. I would like to have these fraudulent accounts shut down also filed an identity theft report on these and placed a credit freeze and alerts on all reports.
Product: Checking or savings account

from TD bank, i can not open new account due to problem of depositing check then they considered as a fraud. they already put a final decision to be ended relationship with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and have submitted copies of my dispute and they want additional information. I am submitting additional information to support my claim.
Product: Debt collection

i have not recieved any notice in the mail from them that i owe them any money, i found out when i say a mark on my credit reports. i have emailed them through their website several time and still havent recieved a respones. if they have tried to call me it was either from a blocked or unknown number and they didnt leave any message
Product: Debt collection

Received multiple voicemails from a Mr. XXXX XXXX, claiming to be a debt collector on behalf of XXXX XXXXXXXX University. Unfortunately, I do not have any record of when these calls or voicemails were sent to me, as I had checked my mailbox as of this complaint ( XX/XX/21 ). Multiple people from differing websites have also received the same call from this number, claiming it's fraud and impersonation of an attorney or debt collector. 

I do not live in Ohio, and I have already reconciled my student loan debt with my college. This is clear indication of fraud.
Product: Checking or savings account

Hi I banked with Chase Bank for about 4 years or so. On XX/XX/2020 I filed a claim for a fraud that some online company was charging me with the amount of {$780.00}, {$370.00}, {$23.00}, and {$11.00} without me knowing any of the charges. I then file the claim with XXXX and on XX/XX/2020 with a bank teller they locked me out of my online access saying that they have to do that for full investigation should be back on within a few hours. The next following day I came back to the very same bank and the bank teller that filed a claim and locked out my account wasn't there and the other bank told me that they never seen anything like this and plus THE BANK TELLER WHO WAS WORKING WITH ME IS STILL IN TRAINING. So there's nothing they can can do about it. And then on XX/XX/2020 that same online company charged me again but this time with a different amount of {$370.00} and {$790.00} and some it didn't go through so it went back to my bank. I then went back to the bank to let them know what's happening of how they are able to do that while my bank is locked up. They told me that because they only lock out the card not the account. Furthermore my claim did go through and XXXX reverse that amount of the previous charged of {$780.00}, {$370.00}, {$23.00}, and {$11.00}. And now on XX/XX/2020 the bank reverse and took {$780.00} and {$370.00} out of my bank saying that the other company already pay me back which doesn't even adds up. Yes they did give back the money but that was during the time my back but that was a different charged not the same one. Funny thing is now logged into my wife 's bank account it doesn't show that amount on XX/XX/2020 was taken out but just deposited in. I'm very fustrated especially with a time like this where my rent is due and the bank is doing this to me. Please help
Product: Credit card or prepaid card

Chase credit card sent me a promotion to open a credit card ; if I spent {$500.00} in 3 months I would receive {$200.00} cash back. I spent {$1000.00} the first month and thus I deducted the {$200.00} csh back on the first billing. They never credited me with the {$200.00} and thusly started charging me late fees. I contacted them a couple of months ago and the person I spoke with agreed with me, and said the balance due should be XXXX. But they still are sending me a bill for late charges plus the {$200.00} I deducted.
Product: Money transfer, virtual currency, or money service

I was scammed by a company with the name foreign exchange company which was totaly looks real with bank accounts and all the documents that shows there was multiple trades and all my investments was going through the Bank of America to them to invest in foreign exchange funds but they scammed me and other counters with fake accounts fake apps and they had their own servers so everything was controlled by them we had no way of honing it was too late
Product: Credit reporting, credit repair services, or other personal consumer reports

-I reported to Experian that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.
Product: Debt collection

I am writing this letter to dispute a debt that XXXX XXXX XXXX XXXX erroneously sent to a collection agency for a procedure that was paid in full on the day of service. Their inaccurate reporting has caused a negative impact on my credit, and I am requesting that XXXX XXXX XXXX XXXX update their billing records to reflect the payment that was received and to have this charge removed from ALL credit bureaus as soon as possible. 
My daughters, XXXX, were seen on XXXX XX/XX/2021, for routine sports physicals. The cost was {$85.00} for each physical ; therefore, bring the total bill to {$170.00}. 
Enclosed, are documents to support my request : ( a ) A copy of the debt collection letter ( b ) The final clinical report from XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX ) The receipt of payment to show that this service was PAID IN FULL on the day of ( d ) Copy of my bank statement Additionally, my mother, XXXX and daughter, XXXX have received collection letters regarding this debt. I kindly ask that if this is reported on their credit report, it be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have Macys Credit card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on XXXX Credit card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Product: Credit reporting or other personal consumer reports

There are multiple inquirys on my account that werent opened by me. 
XXXXXXXX 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: Credit reporting

I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Debt collection

On XX/XX/2023 a representative from Southwest Credit Systems intentionally told me my debt had been reported to a credit reporting agency when it absolutely had not. I believe this to be a tactic to influence me to pay.
Product: Mortgage

My insurance company, XXXX, contacted me on XX/XX/XXXX before they were going to cancel my policy on XX/XX/XXXX due to an unpaid premium. I immediately contacted US Bank, my loan servicer, to make sure they had paid the bill from my escrow account. They assured me that they had sent a check on XX/XX/XXXX to XXXX. The check number they gave was XXXX, they sent it to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX. Neither company can give me any information about who has made a mistake. My home insurance has since been cancelled.
Product: Debt collection

I call XXXX and Seqium assets Solutions. On XX/XX/2020 and both company told me by phone and email they could not find I owe anything. I filed with experience an dispute this and XXXX and seqium will not take it off my report. I do not owe money at all! They falsely put it on my report and they wont take it off! Even after Ive contacted them multiple times and they tell me they could not find it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Two unpaid XXXX cards are listed as mine, while they belong to a soon to be ex-husband. Two names appear as mine, but one of them is a 20 year old maiden name -I do not have any more. I do not carry over balance from month to month unless the credit card ' computers were down when I tried to pay on the phone person to person. 
3 problems in all, counting 2 erroneous XXXX as one problem. 
In the past and presently I have hackers ( my ex and his sister ) who break into my computerized records and creates havoc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX XXXX Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with XXXX  XXXX XXXX. She then tranfered me to XXXX XXXX XXXX Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for XXXX  XXXX XXXX is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX credit card and was informed on XX/XX/XXXX that I was approved. The card came, I used it at the post office on XX/XX/XXXX. On XX/XX/XXXX the card was declined. Thinking it was the machinery at the store, not the card, I tried again on XX/XX/XXXX. Again it was declined. On XX/XX/XXXX I called customer service at XXXX and after 55 minutes on hold was told I had to speak with Fraud Prevention. When I finally connected with them I was told they couldn't tell me why the card was declined - and that I needed to send proof of I.D . I snail mailed and emailed copies of my driver 's license and passport. 
I was given an ID : XXXX On XX/XX/XXXX I send them an email asking why I hadn't heard from them. 
My credit rating is XXXX and I have been denied two other credit cards I have applied for. I am sure HSBC is the reason. 
I have put {$56.00} on that card. I don't have access to the card to pay it. They haven't responded to my email or my letter. 
This is the worst, by very far, credit card company I've ever had experience with. 
Please help me find out why I am being denied access to credit cards. Please make HSBC contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I called to ask a question about my account. The bank asks you to verify yourself through the Bank of America app. When I fried to do this, the verification did not work. 

I subsequently called back and tried entering the last 4 digits of my SSN. That did not work either. 

Their entire automated system is not working and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a XXXX XXXX  thats delinquent.