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

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report in XXXX, I noticed that Toyota Financial Services has reported incorrectly that there have been 13 missed payments on my XXXX XXXX XXXX lease. Unfortunately this is significantly impacting my credit report. The car was considered as a total loss, was paid in full & the account, account number XXXX, was closed. I was in complete contact with Toyota and even purchased another XXXX XXXX at the same location, XXXX XXXX XXXXXXXX XXXX. 
I am needing to purchase another car as soon as possible, and I have requested that Toyota update the credit reporting companies with the correct info noting that this account is not & has never been delinquent, all payments were up to date through the end of the lease completion ( XX/XX/XXXX ) & that this is now a closed account. 
I sent Toyota a letter detailing this information & it was confirmed received on XX/XX/XXXX. I've spoken with Toyota weekly & finally received a letter from Toyota dated XX/XX/XXXX confirming that my account is 0 days past due and is closed. However the missed payments are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX.
Product: Debt collection

MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to contact someone at your company to let you know that I mailed a letter to XX/XX/XXXX, XX/XX/XXXX, Equifax, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Product: Debt collection

was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION
Product: Checking or savings account

My account is being closed with {$5300.00} in my checking because of recently opened account and making too many transactions so there closing it and i have not even a dollar on me. I have to pay my rent and have no money i also have a sick grandmother i take care of and pay A private nurse to take care of her and nothing. This is really a robbery being commited. I really need help.
Product: Money transfers

Money was transferred from my account using Google Wallet. Filed a complaint and request for a refund and was told they will not refund the money. Have not used the service prior to this transaction. Case ID ( XXXX )
Product: Credit reporting or other personal consumer reports

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but XXXX of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of 2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting or other personal consumer reports

account due to fraud XX/XX/XXXXXX/XX/XXXXall reports have been sent over
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I been unable to make two payments for my jcpenny account because u haven't been working a lot of hours and I been so busy I forgot about my jcpenny but I recently made a payment in XXXX of {$85.00} I'm now able too make the payments and I spoke with the lady and couldn't understand why it was reported to my credit and my points went down with XXXX 61 points XXXX XXXX 51 points if u look at my history I always paid on time I just felled on hard times I'd understand why so much points was taken away from me I did not receive a letter or anything about my limited was decreasing I called after I made the payments and she told me I can increase my limited but I was denied and I have this report in my credit
Product: Mortgage

My lender refuses to remove the PMI monthly premium. My outstanding principal is now roughly one half, that is fifty percent, of the loan value at the time of mortgage origination five years ago. The customer service persons on the phone when I call to request they drop the PMI state " we don't do that '' and " you signed an agreement to pay it '' when I originated the mortgage. Each phone call is XXXX $ billed to me on my following month mortgage statement, so I don't call. My current MI is XXXX $ per month. My current principal balance is XXXX on original loan amount XXXX and original appraisal of XXXX. I feel this is a predatory lending practice. Can you help drop this amount, and if possible, can I recover the overpayments since the 80 % ownership was reached?
Product: Mortgage

We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notification from my credit monitoring service that my BPOP credit card was in settled status. I had no idea what it meant and I was slowly paying off their credit card. Once I learned its a negative status I called BPOP at XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I was told that the account is closed and that I should call XXXX. Note, on the website the account still shows as open and active. 

I called XXXX and eventually talked to a supervisor XXXX, who said a notice to me they have a record of a notice being sent and that account was closed a year ago. I never received that notification so I am not even sure if I was paying on a closed account all that time, but the settlement notification did not show up on my report until XX/XX/XXXX. I never received a letter or a call from anyone so I could not even attempt to resolve this item going into 'settled ' status by simply paying it off. I certainly did not know the account was closed for that long. 

When I pointed it out XXXX said there is nothing they could do and gave me a phone number to another 3rd party ( XXXX ). I did indicate that she is forcing me to call multiple agencies and whether there is really nothing else, they can do. She said no. 

To add additional wrinkle to all this, after a call got disconnected, I called back to get the remaining details on the account ( date closed, amount owed and date the notice was sent ). A different representative ( not XXXX ) indicated that the account was closed XX/XX/XXXX, amount owed was {$1400.00} and notice was sent XX/XX/XXXX. Needless to say, I noted the discrepancy in dates ( recent closure and notice ) provided by XXXX and requested to speak with XXXX again, but she was in a meeting already according to the representative I was talking at the time ( XXXX XXXX ). 

Something clearly went wrong, but I am not even sure what or who is to be blamed for this issue. More annoyingly, no one seems to know exactly what happened. I keep getting a run around and the information provided by different representatives is contradictory so I am not even sure who to trust in terms of information. All I know for sure is : I got a ding on my credit report and it was a surprise, because the amount I thought was a balance on credit card is now a 'settled ' balance. I did not settle with BPOP ( BPPR ) and I did not receive appropriate notification from them. I did not even receive a call.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at approx. XXXX, I received a call from a number informing me that my social security number was being used for identity fraud in XXXX XXXX, Texas, where my information was being used for XXXX  XXXX  and XXXX  XXXX. The caller provided me with her name and badge number and claimed she was from the Social Security Administration. I was then forwarded to a purported FBI agent and was told that I had to prove my innocence and that I was not involved in the criminal activities of the XXXX  XXXX. To do this, to be reviewed for suspicious activity, I had to remove the money from my bank account at XXXX XXXX  and deposit it into bitcoin through an ATM machine, which was administered by XXXX XXXX at the location of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. I was told that if I did not do this, I would be arrested by the FBI. The number that I was speaking with was calling from ( XXXX ) XXXX, which is the same phone number as the XXXX FBI . I was promised that my money was going to be returned to me after the transaction through the digital wallet QR code that I had been depositing the money into. Following my deposit at approx. at XXXX, the caller hung up, so I called back to the XXXX FBI . I explained to the officer about my case and asked to speak with the officer who had called me. They were unaware of the officer that I was trying to reach and informed me that I had just been a victim of scam. This led to me losing {$13000.00} and invasion of privacy by FBI imposters. After being informed about the scam, I called the company, Athena Bitcoin, around XXXX and was directed to their voicemail. I attempted to contact them again an hour later ( XXXX ) and was on a very long wait time. Once I had finally reached an associate, they hung up on my mid conversation and I had to call back and explain my situation to another associate who was very unhelpful with my situation. She told me I would have had to reach out to them immediately, and now there was nothing they can do about the fraudulent transaction. I would like for Athena to trace this transaction and try to recover the funds.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )
Product: Checking or savings account

On XX/XX/23 I was contacted by Wells Fargo Fraud Department and informed that my checking account had been " Hacked ''. 
I immediately closed my XXXX + year old checking account!! 
Someone had created and cashed XXXX Fake Checks out of my account without even a checking or routing # ... all within a couple of hours. 
After a lot of back-and-forth I finally got reimbursed for all of the fraudulent checks. 
Several weeks after the initial episode, I was contacted by XXXX XXXX stating that my payment of {$7700.00} was past due. I was able to look on-line and tell them that the check had already been processed and deposited. Upon further investigation I found that someone had endorsed my check written to XXXX XXXX and deposited it under the name of " XXXX XXXX ''. The XXXX XXXX check of {$7700.00} was the beginning of this Fraudulent episode. 
Wells Fargo has closed the investigation and states that the bank that accepted the Fraudulent / Forged XXXX XXXX check was responsible. They further stated that they would let me know if they are able to recover the {$7700.00}. 
I am stunned that someone could access my checking account that easily. I am even more stunned that " My Bank '' Wells Fargo allowed it to happen. I contacted Wells Fargo to protect my Checking Account, they are100 % responsible for this " THEFT '' and it is time for them to reimburse the money they released from my account!!
Product: Debt collection

I keep getting threating phone calls stating they will be coming to my job and my supervisor or HR needs to be there to witness but they never state what its for and now I am getting text messages saying they will be coming to my house on a specific day between XXXX - XXXX and I have to sign for something.
Product: Checking or savings account

In my Bank of America checking account, my balance went from XXXX on XX/XX/year> to XXXX on XX/XX/year> back to XXXX on XX/XX/year> when my rent check cleared. My average balance is in the mid XXXX. 

I was charged a fee for the balance falling below {$1500.00}. I am not XXXX  enough to believe that actually costs Bank of America anything, and it is a sleazy, scummy fee practice that should be stopped.
Product: Credit reporting or other personal consumer reports

I see XXXX XXXX XXXX on my Transunion credit report. I tried contacting both XXXX XXXX XXXX  and Transunion, but none have solved the issue. I am unaware of this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.