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

I am very frustrated at this time, my concern was not properly handled by Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The account XXXX payment history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I attempted to purchase a phone through an online vendor with installment financing offered through Affirm. 

When enrolling with the service via my social security number, I was prompted that I already had an account and that a reset code had been sent via SMS. It showed the last 4 digits of the number, which were not my own. 

I then selected the " This is not my phone number '' option, which prompted an email to be sent. It showed the first letter of the email address as well as the domain, indicating an email address which was not mine. 

I contacted Affirm, laying out my findings, and was told there was no direct resolution for my SSN being enrolled in an account without my knowledge as I, personally, didn't have an account to recover. The fact that they report delinquency to credit bureaus should have made clear why it is a problem for someone else to use my SSN on an account that's not mine. 

Following up, I submitted a fraud report through their online ticket with the same details. This was done on XX/XX/2023. 

In the meantime, I used the email domain from the prior reset on-screen dialog ( which belonged to a paving company in the same state ) to make contact with the company, who with the first initial of the name from that email address as well as the last 4 numbers of the phone number ( both viewable from Affirm during the attempted account recovery, as mentioned ) determined who had made the account. That individual reached out to me directly, and we determined the issue was that our SSNs vary by one digit. They simply made a typo when originating their account several years ago.

The individual reached out to Affirm customer service, requesting they change the SSN on his account because of the typo on that person 's part. Affirm gave a ticket number to them and no other information before closing the call. That individual provided me their ticket number for reference, and I gave them my ticket number. 

Affirm emailed me the next day, XX/XX/2023, stating that since it was a case of potential identity theft, they required I call for assistance and not utilize email communication. 

I called Affirm on XX/XX/2023 referencing my ticket number, and they insisted that as it was determined to not be fraud but an inadvertent error by the other party, I was not directly entitled to any assistance. They also informed me that the other person 's account would not be resolved with the correct SSN for approximately 10-20 business days, and only after that point would I potentially be able to create an account and use their services.

To both myself and the other person, with whom I've communicated a fair bit now, this is unacceptable. The other person mistyped one digit on their SSN but still provided their name and address during sign-up. Before extending reportable credit to the individual, Affirm did not reference the SSN to the name or any other identifying information. This means that any person can type in a random string of 9 digits that may be someone else 's SSN, and will be approved for credit access against another unwilling person 's identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion starting there is an open account that is not mine and that I have no idea where it came from. 

I have not received a response from them about deleting it off my account. 

This has lowered my credit on this report that has been holding myself and family from a decent quality of life. Please help
Product: Checking or savings account

On XX/XX/20, I was notified by CFPB that Bank of America had sent its response regarding my complaint directly to me, but I never received any response. CFPB also advised I could contact Bank of America at ( XXXX ) XXXX XXXX. I have called that number dozens of times and it ALWAYS goes to voice mail. I have left dozens of messages and no one has EVER called me back. So Bank of America NEVER actually responded to my original issue. They just told CFPB they sent me a response they never sent and gave a phone number no one answers! How does that qualify as a response?
Product: Credit card

I have reported my card stolen XXXX different times now. Every time this causes me to open a new credit account. I 've told the bank and XXXX that the reason I keep reporting it stolen is because XXXX keeps getting access to my new card. Visa is providing them this. I told XXXX to stop getting my new card number, and they have refused. They also refuse to let me cancel except in person or by mail which I can not do.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Mortgage

I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only.
Product: Mortgage

An assignment of mortgage was recorded in the land records regarding my property on XX/XX/XXXX by an unknown party to the assignment. The assignment was allegedly executed on XX/XX/XXXX by parties not affiliated with the party who requested the assignment to be recorded. I want to know how XXXX XXXX XXXX XXXX XXXX had the authority to record an assignment of the to which they were not a party. I would also like to know who the owner of the mortgage and note was at the time the assignment was executed and also at the time it was recorded. An employee of XXXX XXXX XXXX has stated to me that my loan was purchased and then placed in a XXXX trust with XXXX XXXX. Who did XXXX XXXX. Purchase the loan from? I also see that XXXX XXXX XXXX, as well as XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX have filed for bankruptcy. Therefore, the records should be available for the question to be answered.
Product: Payday loan, title loan, or personal loan

I had a loan with MoneyLion, I had forgotten about it. The company continues to withdraw a {$19.00} fee monthly and does not apply it to the loan and says I can not unsubscribe or close the account until the loan is paid. So my account monthly sees a withdraw of XXXX and I can not stop this because the loan is not paid. This has been going on for the last 3 years and during times when I was unemployed and had no means to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Experian. 
This account needs to be removed. This is from 2008. It is 12 years old.
Product: Mortgage

Carrington Mortgage is preventing me from paying my mortgage electronically with no communication as to why. I usually pay by the XXXX through their app but the system displayed a message that read this Loan can not make payments using the mobile app. I tried going to the website and by auto pay via phone. All of which prevented my digital payment. I am current on my mortgage and there is no indication why. Not even a message that says please call us to discuss your mortgage. Last month they charged me a late fee of XXXX dollars, which I spoke to someone about. I signed up for auto pay but had an issue so I ended up paying manually the full amount before any lateness. I asked for a credit of the fee speaking to a rep who said i need to fax my request in writing? Who has a fax machine these days. I asked for an email address, which I was provided and sent my request and I received zero response. I have to take my time today to speak with someone during my vacation. They also increased my escrow despite me having a regular history of paying extra into my escrow. This mortgage company seems to do what they want. Their marketing seems consumer-centric. Their practices are not however. I will call the mortgage today, but chose to file a complaint, because I am unhappy with their poor of communication. Poor in the sense of zero communication or weak responses to questions.
Product: Credit reporting

There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XX/XX/2009. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
Product: Debt collection

I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to these agencies XXXX, XXXX and XXXX that the closed accounts in dispute are not mine and that these accounts were opened fraudulently but yet they keep claiming that they are not. They have not provided any information from the creditor with a liquid signature that I opened these accounts. The accounts in questioned are for XXXX Bank, XXXX, XXXX XXXX and XXXX Bank. XXXX did go ahead and removed these accounts. However, XXXX and XXXX have not. These accounts are fraudulent and I never opened them. I pay all my creditors as you can see from the other accounts I have credit which are XXXX  XXXX, XXXX XXXX  which I have two accounts with now and XXXX
Product: Debt collection

On XX/XX/22 XXXX responded to my CFPB complaint that they complied with the FCRA. However, XXXX continues to violate my consumer rights. They willfully violate the FDCPA XXXX XXXX XXXX and provide me with full and sufficient validation of debt as I requested. They claim to have investigated and verified the inaccurate information they are furnishing to XXXX. They are violating the FCRA by failing to comply with my cease and desist of communication of this incomplete, inaccurate and, unverified furnishing of the following accounts to XXXX. I demand they be deleted immediately in accordance with the FCRA. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Pro Collect is on my credit report. I don't know who they are and what they are trying to collect. They have NEVER mailed me a letter. No information is being provided by this agency.
Product: Debt collection

Numerous credit accounts were opened with AFFIRM Inc. under my name, resulting in some accounts being paid off satisfactorily and others being delinquent.
Product: Credit card

On XX/XX/XXXX, I used my Citi Double Cash credit card to purchase 4 copies of a special edition of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on CD for a total of {$86.00}. When I received the order, XXXX of the items was damaged. I reached out to the XXXX XXXX site I purchased from with details including at least XXXX photo of the damage. I was told to initiate a return request through the website. After entering what I felt was an excessive amount of information, I got to a page that said I needed to agree to some sort of legal terms to process the request, however, I could not figure out how to view those terms. I replied to the e-mail describing the issue, and I got an almost identical response telling me to initiate the return request online at the same link that was provided before, with no attempt to address the problem. I opened a dispute through Citi for {$21.00} ( 1/4 of the purchase price ), and was given a conditional credit while a decision was being made. On XX/XX/XXXX, I logged into my Citi account online and noticed that the credit was reversed. There was a message that stated, " We've concluded our investigation of your dispute, and provided details about the resolution in your Statements and Documents [. ] '' This is untrue. Besides my monthly statements, the most recent document in that section is from XXXX of XXXX. I tried to call Citi at the number on my card, but as is typical for them lately, their AI system can not understand XXXX, and takes me around and around in circles before eventually hanging up on me.
Product: Student loan

I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.
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 XXXX, XXXX TransUnion 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. XXXX, XXXX TransUnion 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 XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to resolve a matter concerning incorrect personal information and unauthorized inquiries on my credit report. This information is not associated with me, and I urgently request the removal of this fraudulent data.
Product: Credit reporting or other personal consumer reports

I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both XXXX an Experian refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.
Product: Debt collection

Ongoing debt collection, has not indentified original, creditor or debt.
Product: Credit card or prepaid card

On XX/XX/21 I received a charge for a service which was not completed. I sent in the cancellation text and I also sent in proof of the work not being completed. Chime did an investigation and then sent back only a receipt for the service. I then forwarded the conversation between the business owner and myself to chime where it was also stated that one of the services weren't being charged. I was still charged for extra services even with the services never being rendered. I have submitted two more disputes and have not had my issue resolved.
Product: Debt collection

XXXX has been informing me that I have a mobile account with them and that there's a past due balance since XX/XX/year> in the amount of {$150.00}. I have called in and spoken to many representatives and they couldn't find the account either however it's linked to me somehow. They've now sold the account to a debt collector and it is quite irritating as they continue to hound me about this debt that isn't mine
Product: Checking or savings account

On XX/XX/2023, someone walked into Capital One NA XXXX Capital One XXXX XXXX XXXX XXXXXXXX, VA XXXX They held a fraudulent check without an account number, a fake debit card and a fake ID. This person cashed {$2800.00} check against my bank account. The bank indicated that their ID was scanned and showed by information. The teller didn't identify the debit card to be a fraud. 
When the check bounced, Capital One withdrew the funds from my account. I have not been reimbursed for those funds. 

An image of the fake check has been sent to me. It was supposedly written by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Check # XXXX On XX/XX/XXXX, a person tried to withdraw {$1800.00} from my bank account from Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The teller was able to identify the debit card was fraud and denied the withdrawal. 

I want my money back, but also have a greater concern for the ID that is able to be scanned and used at banks, airports, with the police, etc. I believe the ID is either a RealID or Passport. 

Both of those documents that are mine are in my possession. I have not lost or misplaced them. I have not photocopied them.