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

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  Balance {$0.00XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX  Balance {$690.00} XXXX XXXX XXXXXXXX XXXX  Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$540.00} XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$740.00} Discharged XXXX : XXXX  Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have been double charged on this card XXXX separate times, and every time they call me THREATENING me that they will charge me interest if I dont pay. When I try to access my account they tell me that my information is incorrect, that my zip code and address dont match, so they are unable to tell me what I am being charged for. When I try to dispute the only thing they tell me is that I need to pay before I accrue interest. I have paid off the balance on the card several times. But now they are trying to scam me. They continue to double charge old purchases even though I am no longer using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information may have been acquired via a data leak and may have gotten into the wrong hands.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments. 

The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done. 

Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX  she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up. 

I sure the bank has these recordings of the conversations on both days. 

Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.
Product: Credit reporting or other personal consumer reports

I called XXXX in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with XXXX and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting or other personal consumer reports

These account were never investigated or removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. 

I contacted Union Bank and they credited the account and sent me a new card. 

On XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX   XXXX, XXXX, XXXX XXXX, clearly requesting that information. 

A month later I get a reply from XXXX, Dispute Operations, XXXX XXXX   XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. 

On XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back.

Union Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan XXXX XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Mortgage

I mailed a Qualified Written Request to Nationstar Mortgage LLC d/b/a Mr. Cooper ( AKA Mr. Cooper ). After waiting 3 weeks for an acknowledgement of the QWR, I called Mr. Cooper and spoke with XXXX  ( Texas Call Center ). 
She confirmed that they received my QWR on XX/XX/2021. XXXX said that they I would receive a response no later than XX/XX/2021. To this date, I have not received a response from my mortgage servicer concerning my QWR. 

With my mortgage account I setup payment alerts and notifications. On XX/XX/XXXX, I scheduled an electronic payment. I received three emails indicating that my payment was accepted and posted ( XXXX & XXXX ). I received no call or email notifying me of a problem with the payment. Despite the emails stating that the payment was accepted and posted, there was actually a problem with the electronic payment. 

I didn't discover this problem until XX/XX/XXXX, when I was making my XXXX payment. I talked to the a representative and understood the problem. I told the agent that I was immediately going to make the payment for XXXX. I explained to the agent the issue, and false notifications I received form Mr. Cooper. I asked the agent to waive the late fees and asked if the payment wouldn't be considered late because the only communication I received from Mr. Cooper was that the payment posted. The agent understood my issue and agreed that the payment would not be considered late as long as I made a payment. She told that the returned wire fees couldnt be removed. The response was acceptable, and I ended the calling believing that my XXXX payment was not marked a late payment. 

On XX/XX/XXXX, I contact Mr. Cooper and discovered that my XXXX payment was still considered 30+ days late. I talked with XXXX XXXX, and explained to the agent the situation. XXXX told me that Mr. Cooper would investigate and get back to me. I asked for a time frame, and she said she couldnt say, and that I would be notified once it was complete. To this date, I never received any additional response from Mr. Cooper regarding this matter.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX in 2019. My account was assigned without my knowledge to Bridgecrest. I was recently looking over my car contract with XXXX and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from Bridgecrest after sending a cease & desist. Bridgecrest are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement
Product: Mortgage

My current mortgage is held by XXXX XXXX The attached document 's show that this loan has been transferred multiple times with the wrong property and legal description. 

This makes my mortgage lien invalid.
Product: Vehicle loan or lease

I am regarding there should be absence of a down payment and the determination of the finance charge in accordance with 15 USC 1605. My concern lies in the improper application of the down payment to my finance charge. I believe that the down payment should have been deducted from the finance charge, as mandated by the relevant regulations. It is crucial to address this issue and ensure that the down payment is correctly applied to my finance charge along with insurance. I kindly request prompt action on this matter and expect a resolution within a timeframe of 14 days. It is important to address this issue in a timely manner to ensure a swift resolution.
Product: Credit reporting or other personal consumer reports

I believe these accounts involve fraudulent hard inquiries that were not authorized. According to the FCRA, hard inquiries can only be made with the express consent of the consumer. Any improper or fraudulent use of hard inquiries violates my rights under FCRA 604 ( 15 U.S.C. 1681b ). I have not requested any credit or any accounts and do not recognize any of these inquiries on my report and have been victim of identity theft and data breach. 

I have attached a copy of my FTC report, drivers license and pay stub for address verification. 

For the inquires below please delete them from my report within 4 days of receipt of this information or lawful action will follow. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good afternoon, I am writing because I have attempted to get mortgage modification from bank of america for the last 2 years. I have been denied services however I never knew why. Once speaking to BOA, the company indicated that they are suspecting mortgage fraud and will not proceed with loan modification on property because of this fraud alert on the account. They also will not disclose what I can do to remove this alert from the account to modify th loan. I am asking for you assistance to help me resolve this issue so I can proceed with loan modification to avoid losing my property.   I am willing to provide whatever documents that are needed to resolve this issue however Bank of America is not disclosing documents that are needed to resolve this issue. Please assist me in getting this issue resolved so I can save my home.   My ex-wife had a power of attorney back in  XXXX  when I was  XXXX  and was attempting to get modification on property as she was residing in the property at that time and was not paying the mortgage. We are no longer married and I have since moved on and has assigned and submitted another power of attorney (  XXXX  ) and have submitted a third party authorization in  XXXX  which voided the POA that was assigned to my ex wife. All these were submitted to BOA with my signature and witness by notary. With that being said, Bank of America is indicating this is fraud however it just some life changes. The curren t POA is m y current significant other and has been living in property with me since  XXXX   XXXX  and has been assisting me financially and with submitting appropriated documents to get home modified.   This problem came up again in  XXXX  and since the new  POA was not enough I signed an Revocation on POA for ex wife ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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
Product: Credit reporting or other personal consumer reports

When I looked at my credit report this morning, I was shocked to see accounts that dont belong to me. I always check my report, and today, for some unknown reason, it showed errors that I didnt anticipate. I thought it could be a browser issue, so I refreshed it, but nothing changed. These inaccurate accounts remained, and now Im left feeling completely unsettled. Im asking for the documents Ive sent to be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX - went to XXXX to open credit card, found out there is a Bank of America credit card opened under my credit journey XX/XX/XXXX - went to Bank of America and explained situation, they searched up my SSN and could not find an account under it but the account is still showing up on my credit journey, I discovered the account is linked to someone elses name and birth year and incorrect addresses Bank of America filed a report I called XXXX XXXX XXXX they help file a report, logged down the fraud info and corrected the XXXX XXXX XXXX info and they are waiting for me to send in a pdf to confirm the info to update the system, they also referred me to file this report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX  XXXX - XXXX XXXX. 
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 XXXX XXXX XXXX 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 I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Card has been blocked have faxed documents to verify my address four different times following the directions of the agent that I am in the phone with.From House of iRepresentative XXXX XXXX office on XXXX I was told that they came across as not being able to read.After waiting a total of 5hrs for a agent to help me.I was informed that it would take five business days to have a answer to my question. While I have no money to pay for food and shelter I am told that I would have to send documents over a fifth time. The very helpful employee of State Rep.XX/XX/XXXX ( ms.XXXX ) can't understand why they are receiving and unable to read faxes and has never experience this problem.on XX/XX/XXXX I received a letter from USBANK cardholder services XXXX XXXX XXXX  XXXX XXXX fl XXXX. I called on XX/XX/XXXX waiting over a hour to find out why the letter states " no further action is needed '' yet I still can not use the card. The fact of me exhausteing large amounts of time back and forth to the office of st rep and holding on the phone to he told once again I would fine out in five business days.I have a letter in my hand mailed by usbankrelia card to XXXX XXXX and on the phone I am still not verified. This is a disgrace and have been out in a desperate situation.Depend in that money to live and pay bills.XXXX  XXXX XXXX I have not received a call back from a supervisor to explain to me why there is not a email address that could be used instead of the outdated fax system.
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( XXXX, Experian, and XXXX ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by Credit Agencies. I have attached a copy of the 1009-C sent to me from XXXX, XXXX XXXX received on XX/XX/year>. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) was properly investigated but how is that possible if the open date is inaccurate and the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report.