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

I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into Experian and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with Experian and the Consumer Protection Bureau is a loan called U.S. Dept of EDXXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called Experian this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Mortgage

My loan was a conventional purchase transaction which closed on XX/XX/2019 through XXXX XXXX XXXX XXXX located in XXXX, PA. Shortly after closing my loan was transferred to The XXXX XXXX, who apparently sold the servicing rights to Flagstar Bank. My Account number with Flagstar is XXXX. My first payment due date was XX/XX/2019. I received a payment notice from both The Money Source and Flagstar both requesting I make my first payment to each of them. I contacted my original lender and he has been trying to get to the bottom of this ever since. The payment notice I received from Flagstar was incorrect as they failed to include the escrow amount of my School Taxes. My correct total monthly payment should have been {$3100.00}. After several months of back and forth with Flagstar, they still can't get my payment amount correct. Just recently they sent me an escrow refund check of over {$5800.00}, but that should not be returned to me since I need this in my escrow account to pay future taxes. Flagstar is also " double charging '' me the cost of my monthly mortgage insurance. The correct amount of my monthly PMI is {$200.00}, but the dopes at Flagstar are trying to charge me {$410.00}. They are so bad and now I am afraid my payments will be reported late. My original lender, XXXX XXXX has been trying in vain to straighten this out, but to no avail. Please help me. I have been unjustly persecuted by Flagstar!  All I want to do is make my monthly payments for the correct amount. Please Help Me!
Product: Credit reporting or other personal consumer reports

This is Bank of America 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by Bank of America. 
Within the next two months I reported the fraudulent charges to Bank of America, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter dated XX/XX/2019 stating that I paid in full six accounts for XX/XX/XXXX. I XXXX XXXX collected the money for XXXX XXXX and the total paid was {$910.00} for the six accounts. XXXX XXXX XXXX notified Equifax on XX/XX/2019 that the accounts were paid in full and needed to be deleted from my credit report. When i called Equifax to make sure these accounts were deleted they told me XXXX XXXX XXXX started an investigations on these accounts on XX/XX/2019. I asked Equifax why would XXXX XXXX XXXX start an investigation on these accounts when they know they were paid in full. Equifax hung up the phone and i called back they kept saying that this would take 30 days to come off my report. I told them i would fax the proof that these accounts were paid in full and needed to be deleted.On XX/XX/2019 i faxed proof to Equifax that these accounts were paid in full and needed to be deleted from my credit report. I called Equifax at least six times trying to fix this problem and it still shows on my credit report a collections for XXXX XXXX XXXX in the amount of {$130.00} that was already paid in full. More than 30 days have passed since they were notified by XXXX XXXX XXXX that the account was paid in full an needed to be deleted. I notified them again XX/XX/XXXX by fax, so they have been notified twice that these accounts are paid in full and must be deleted from my credit report. Equifax is breaking the law reporting that i have collections with XXXX XXXX XXXX when i do not. I expect this government agency to hold Equifax accountable for their criminal actions.
Product: Credit card

On XXXX I called Sears Card to pay off and close the account. I approved an electronic payment thru my bank. On XXXX my lender drew a credit report which listed me as past due XXXX days. on XXXX, I called Sears Cards and was told that the payment of XXXX failed due to incorrect a/c #. at that point I authorized a new payment for the then balance. I asked that they contact the credit reporting services and advise them of the error, I was told that this would take 7-10 days. On XXXX I received XXXX letters from Sears stating that the account had been brought to a XXXX balance, but the Credit reporting services had not been advised. I 'm trying to secure a substantial loan, for a new home, my credit score has been dropped by XXXX points. I need the corrected, and I need it Quickly. I 'm paying rent until my house is started. I would appreciate your help in this matter. thank you..
Product: Student loan

A serious dilemma was taking progress and explained but totally overlooked and in strong demand of only money instead investigating the matter. Continuity of hard inquiries were applied to my account after contacting the direct resources and still they are in demand of payments in which were sent to collectors who in which i still keep in contact to strive to make their demand and poor decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting my student loans removed from my account, student loans according to title 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 
15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX  or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Product: Checking or savings account

Fifth Third will not give back the almost {$3200.00} that was fraudulently stolen from me and the issue continued to happen to me in many other situations where fraud occurred on my accounts and there only resolution was to continue to change my accounts every time the accounts were exposed. Fifth Third has handled this poorly and the branch location in XXXX KY was of no help at all. They have declined giving my money back twice even when fraud continued happening to my accounts and they did nothing to prevent or mitigate the issues. A police report has been filed, and legal actions will also commence against Fifth Third and the XXXX branch ( or whatever legal recommends per lawyers as best avenues/actions to take ). 

Since Fifth Third has managed this poorly, I have since moved to a different bank due to the continued fraud activity that seems to continue happening with nothing changing on Fifth Third 's side of things to stop this from happening. This all started back in XX/XX/year> and I was plagued with the fraud a good 6 months before deciding to switch banks due to not feeling safe with all my money at Fifth Third. It is sad to think that they don't care to help their loyal customers when they need help the most...
Product: Mortgage

after home purchase in XX/XX/XXXX, never received the money they was supposed to be for the deed of trust. Then they forged another deed of trust. That was reconvened in XX/XX/XXXX, but they began to refuse to answer any questions about the issues. after 9 years in the home fighting everyway I could because of no help of any government agency 's. Then after a notice of default on a reconvened note. And failure to answer my QWR. till 6 months later. and never addressed any of the concerns. The sold my house on XX/XX/XXXX. 

Then the purchaser that knew about the situation had me and my family removed with unlawful detainer that the change of my address caused a default. Because every attorney I talked to was completely against taking my case even with over 1000 pages of original documents. Now after steeling my house still not a single agency willing to get off their A..s and do their job. Including AG, Postmaster general, Governor, C.I.D. and Hud was absolutely lying to me when I sent over Hud H1 and then blocked her  email. They have note only stole my house but completely destroyed my family and my integrity. As well as you and the rest of the government do anything to stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check this account that appears on my credit report, without any authorization, it is not mine. 
SYNCB/SAMSDC Account Number : XXXX**** This is not mine.

SYNCB/SAMSDC Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

My Complaint is one of FRAUD against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. 

{$180.00}. was stolen from my checking account without my consent AFTER XXXX discovered HER M & T Bank Teller Made an ERROR and TOOK {$180.00} on XX/XX/XXXX to Pay my, XXXX XXXX XXXX 's Secured Credit Card Bill at the Bank Teller inside XXXX M & T Branch as I did every month. I had no idea the teller withdrew money from the Secured Savings Acccount connected to secure the Credit Card. Only my currently being applying for a new apartment and requesting my financial bank statement brought the matter to XXXX 's attention and on XX/XX/22 MONEY WAS STOLEN without my consent from my checking to REDRESS THE XX/XX/22 TELLER ERROR. I have FILED A POLICE REPORT of THEFT TO NO AVAIL. M & T Bank has REFUSED TO PUT MY STOLEN MONEY BACK and I am in Between apartments. I move INTO NEW APARTMENT on XX/XX/22 but am XXXX and have been ROBBED OF MY MONEY TO EAT AND LIVE. Today is XX/XX/22 M & T Bank are THEIVES OF MY MONEY> XXXX XXXX PLease HELP at ONCE
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX and XXXX XXXX XXXX for FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX and all three credit reporting agencies regarding their handling of my credit information and potential violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a dispute letter to XXXX concerning inaccurate information reported by XXXX XXXX on an alleged account. Despite my efforts to resolve these issues, the inaccuracies persist, demonstrating potential willful noncompliance with the FCRA by both XXXX XXXX and the reporting agencies. 

Key issues and potential violations include : Inconsistent Reporting : The XXXX XXXX  account is reported differently across credit bureaus : XXXX reports a closed account with a Date Last Active of XX/XX/XXXX Experian reports a closed account with a Date Last Active of XX/XX/XXXX XXXX reports an open account with a Date Last Active of XX/XX/XXXX Balance Discrepancies : All three bureaus report a balance of {$9100.00}, which conflicts with the account 's reported closed status. 

XXXX XXXX Inconsistencies : XXXX and Experian report a high balance of {$15000.00}, while XXXX reports {$9100.00}. 

Account Status Discrepancies : XXXX and Experian report the account as closed, while XXXX reports it as open. 

Potential FCRA Violations : Section 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of information Section 1681c : Possible reporting of outdated negative information Section 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information if the debt has been paid or settled Section 1681i : Failure to properly investigate and correct disputed information Continued Reporting of Inaccurate Information : Despite my disputes, the inaccurate information persists, suggesting a failure to conduct proper reinvestigations as required by FCRA Section 1681i ( a ) ( 1 ).

Potential Outdated Information : The account may be beyond the 7-year reporting limit for negative information, as it was opened in XXXX and is now being reported as a charge-off and many other things. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX and all three credit reporting agencies comply with all applicable consumer protection laws. I seek correction of any inaccurate information reported to credit bureaus, proper investigation of my disputes, and any other appropriate remedies for the potential violations of the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened with XXXX XXXX on XX/XX/year>, appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Reasoning : you have a right to privacy they need to produce your signature showing you gave them consent otherwise this is fraud
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 {$560.00}, {$340.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 's never fixed the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
Product: Bank account or service

On XX/XX/XXXX I made an order online at XXXX, charged it to the debit card associated with my bb & t checking account. I realized I had done this and immediately and changed the payment method as it was supposed to go on another account for a family member. According to my check register, which i have to keep because bb & t 's online account info has always been misleading with their classification of pending, I had XXXX The order was for XXXX, and was marked as pendung unbeknownst to me. I noticed the pending discrepancy monday and contacted XXXX who confirmed that they had changed the payment and that they would not receive funds. Thinking the erroneous non charge would drop off, since it was already posted to the other account, i did n't act. I honestly had no inkling that bb & t would lock my account and post an overdraft fee with no pending status all in order to line their own pockets yet they did! When i called customer service I was bluntly and rudely told that amazon was in possession of the funds and that bb & t had nothing to do with the pending status-a blatant lie. Once I consulted documentation from bb & t and called back, I was eventually refunded the overdraft fee but the customer service representative was adamant that the funds would post the next day and I would be charged another. Of core bb & t 's pending status was released by the next morning and the funds were back in my account at the right amount. Even if id been given warning that the overdraft fee was going to be placed I would have made a deposit but they never assessed a pending status to it. Their practices are a ripoff, disreputable, and unscrupulous. In XX/XX/XXXX it was found that my grandmother who passed in XX/XX/XXXX had an open bb & t account of which we were not aware due to my dad XXXX 3 months after she passed. By the time we discovered this, because of social security scheduled deposits being suspended on death-which the bank had to have been aware of-monthly maintenance and penalty fees were assessed to a point that the remaining balance would n't buy lunch. Bb & t gladly accepted blood money and laughed all the way to the proverbial bank.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX they did provide me with the original contract as I requested. I have submitted complaints but have not received response and have been told that I have a completion date that is N/A
Product: Debt collection

Every day, All hours I get repeated calls from portfolio. It is disturbing. It is non stop. It is absolutely ridiculous. I am tired of it. Literally stressing me out. All different numbers. Same company.
Product: Credit reporting or other personal consumer reports

XXXX Lender Info XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Responsibility Individual Original Loan Amount {$140.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX My XXXX is XX/XX/XXXX - XXXX  years of age This account was fraudulently created. I was age XXXX and this is not my account. I never received products or purchased products or signed any contract or agreed to any payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern regarding Zelle handling a dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle, a new numerous times and report discrepancie my financial institution and Zelle failed to investigate my claims. They informed me that recovering loss funds was impossible, and that tracking those transactions was unavailable.