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

Again, I was a victim of identity theft and this is another request to remove theinformation from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4business days after the receipt. Also, the information provided on some items areUNKNOWN to me and REMOVED from other bureaus and I have doubts about theiraccuracy. XXXX XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX  XXXX  XXXX BalanceOwed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$5000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$550.00} ; XXXX OF MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$720.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$8400.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Owed : {$61.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Owed : {$760.00} ; XXXX XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Product: Debt collection

I received documentation regarding a XXXX XXXX credit card debt owned by XXXX. I have never applied for, authorized someone to apply for, or used any credit cards from XXXX XXXX or XXXX. I was contacted by Midland credit management regarding this debt and I explained this incident was a result of identity theft, however this company continues to contact me. It is important to note that my address has been at XXXX XXXX XXXX  XXXX XXXX for a number of years however the address noted on the debt was listed as XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX XXXX nor do I know who lives there. 

XXXX XXXX XXXX XXXX XXXX I am retired, I dont own a car, and I do not own my own home. I have no need for XXXX XXXX purchases. 

I am asking that XXXX XXXX review video records to confirm that I did not enter their store to apply for a card nor did I make any purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After  receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. Equifax, XXXX, and XXXX have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.
Product: Credit reporting or other personal consumer reports

I am submitting this today to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXXXXXX Balance : -, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX  XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX {$9800.00}, XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I had two credit cards with Bank of America, had a high utilization but bills were being paid, without prior notice they closed my accounts. I never recieved a call, e-mail or letter inidcating my account could and/or will be closed, if i did o would have made my arragements so this wouldnt happen
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Product: Money transfer, virtual currency, or money service

Upon the recommendation of an online acquantance/advisor, i wired {$5200.00} in XX/XX/2022 and {$50000.00} from my XXXX XXXXXXXX XXXX savings account to XXXX XXXXXXXX XXXX , agent for Crypto.com that was to be used for trading crypto currency options using the site XXXX Using a fraudulent password mechanism, the funds were transferred from my account at Crypto.com to a fraudulent site ( supposedly XXXX ) and can not be recovered. 

I have communicated with XXXX XXXX XXXX and Crypto.com ( letters attached ). This fraud is a well known scam and these organizations must be held liable for ongoing losses by consumers. Transfers of funds out of Crypto.com is insecure and consumers are at risk. 

Please see attached communication between me and Crypto.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Posted a XXXX XXXX for sale on XXXX XXXX. Was contacted by a " buyer '' to upgrade to a XXXX XXXX XXXX. 

Used Huntington Bank mobile app to make a total of {$2000.00} in transfers on the assumption it would be " refunded '. Upon realizing this was a scam submitted a fraud complaint to Huntington and the fraud was declined and I have not received my money back.
Product: Payday loan, title loan, or personal loan

I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. 

I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.
Product: Checking or savings account

On XX/XX/20 i received a notification from Chime bank that my account was in the negative for over {$200.00}. I was surprised because i only had {$13.00} to my name because i was unemployed. When i checked my account a hotel i was staying at charged me an additional {$180.00}. No explanation whatsover. I had paid up to the date i was supposed to check out. I wasn't supposed to check out until XXXX i actually left 3 hours early. The room was left immaculate I even took photos. Now the only card the card the hotel had on file was a temporary card because i had lost mine. I never gave them my new card info. Yet somehow they were able to charge my card for {$180.00}. How was this possible? I only had {$13.00} to my name. How did Chime pay this? I complained they sent me a dispute form which i filled out and returned that same day. For over a month i never heard back from chime. This past Wednesday my new employer put my direct deposit into my account and chime took it to cover the {$180.00} still leaving me - {$9.00} in my account. Ive called them and emailed them everyday all day and all they keep saying is that theyre working on it but they have up to 90 days to return the money. Thats XXXX, it took them seconds to take my money why do i have to wait 90 days to get it back. I want my {$190.00} back. A friend gave me this site so thst i can get help. He says you helped him with chime also. I dont understand how they paid that money when i only had {$13.00}. Its like they did it on purpose. Please any help would be greatly appreciated. My name is XXXX XXXX, the merchant was XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX Florida. My email is XXXX and my phone number is XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Product: Mortgage

In XXXX 2016 OCWEN posted Keep Your Home California funds to my account. My home loan payment was supposed to change from {$1100.00} to {$820.00} according to the Keep Your Home California recast. I was told this recast was not optional. I signed the document OCWEN sent to me months later in XXXX 2016 even though OCWEN did not include a return envelope. I used the address on the document and took a photo with my iphone and sent a copy to XXXX XXXX at OCWEN so he would know what address I sent the notarized document to. OCWEN did tell the Department of Justice that they did not receive this document and yet they made no effort to send me the document again and would not return my calls and emails regarding the fact that I needed an envelope. I had to try to remedy the situation without any help from OCWEN. They are non-responsive at this time.
Product: Credit card or prepaid card

I signed up for a credit card with Citizens Bank that offered a sign up bonus. The signup bonus stated if you spent {$500.00} within a certain time frame ( I believe this was a XXXX  day time frame ) they would offer a {$150.00} cash reward bonus. The bonus would be deposited to the rewards were you could redeem for statement credit of receive back as cash. I spent more than the required amount ( {$500.00} ) and did not receive the cash rewards bonus. When I called to inquire, I was told by Citizens that I was under a 'different " rewards sign up bonus. I was enrolled at 3 % cash back rewards NOT the promotional spend {$500.00} get {$150.00}. I did not sign up for the 3 % bonus, as I signed up through their website through the proper offer. My current statement ( or any of the statements for that matter ) mention NOTHING about having a promotional 3 % cash back, This is an error on their side, that they are failing to rectify.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, these items were supposed to be removed within four ( 4 ) days of receipt of notice. However, your company did not remove these fraudulent items from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. These items are causing defamation to my character and harm to my mode of living. I made it clear that these unauthorized items are a result of identity theft. You have not provided me with your method of validating these items or any documentary evidence to prove these items belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove these items indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please correct this error and remove these items in good faith or I will proceed with legal matters. All information has been forwarded to the State Attorney General, the XXXX XXXX XXXX the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the items have been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.
Product: Credit reporting or other personal consumer reports

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX
Product: Vehicle loan or lease

On Thu, XX/XX/XXXX, at XXXX, I received an email from Hyundai Motor Finance that stated, " Weve received your request to end your recurring payment schedule on your Hyundai Motor Finance account ending in : XXXX Your confirmation number is : XXXX. 

If you wish to once again sign up for recurring payments, you may do so anytime at https : //www.HMFUSA.com/ For questions about your account, please visit XXXX XXXX XXXX or call our Customer Care Team at ( XXXX XXXX XXXX XXXX 

Thank you for being a valued customer. We appreciate your business. 

Hyundai Motor Finance '' I had not cancelled the auto pay and was wondering why/how this had happened. When I tried to go to the website to see what had happened. The website stated I can longer use the website and that I must call the customer support. Upon calling the representative I was informed that the loan had been charged off because it was XXXX  days overdue since XX/XX/XXXX. When I challenge that the account wasn't overdue or even ever late they put me on hold and I ended up being disconnected. Upon multiple call backs I finally got through to someone who stated that even though I had not missed a payment the account was charged off in XX/XX/year> because the account was charged off and that there was nothing I could do even though I made the XXXX, XXXX, XXXX and XXXX payment and they would no longer except any payments. This is a violation of our signed agreement and because of this charge off on my Credit report my score has gone from XXXX to XXXX.
Product: Debt collection

Gurstel Law Firm , P.C . continues to seek default judgement on me over a debt I have tried to verify by sending two different debt verification letters via certified mail. 

They first told me debt was for XXXX XXXX, then they said it was for XXXX XXXX. Im not sure who owns the debt. 

All they sent me was an affidavit of fraud forms to fill out. When I received those forms asking me for police reports, questions about who I thought stole my identity, I had no idea what they were talking about. Ive never had my identity stolen in my entire life. 

I called XXXX and asked them to let me know why they sent those forms. They couldnt explain why. 

They said I owed {$1300.00}. I was preparing for two major back surgeries and wanted to get this issue settled because they served me with legal documents at my house prior to my surgery. I had a XXXX XXXX XXXX left lateral interbody fusion on XX/XX/2023. I had a XXXX XXXX the next day on mayXX/XX/2023 which was XXXX XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and he also worked on my XXXX.. My Surgeon was XXXX XXXX and it was at XXXX XXXX XXXX XXXX XXXX I was there for over a week. 

I called XXXXXXXX XXXX and talked to a XXXX XXXX and a man named XXXX at XXXX on XX/XX/XXXX or there about after I received a just a letter from them. Not that it matters but both of them were disrespectful to me on the phone. 

I have not worked for almost two years as I am in the middled of my XXXX claim. I have a lawyer helping me. I explained all of this to XXXX. My sister actually went to her XXXX XXXX and borrowed {$800.00} for me to pay them just so they would leave me alone. I offered them the {$800.00} cash that day and they refused. 

I called them a couple more times but they would not accept the {$800.00}. 

I then used that money to pay off my XXXX card and my hospital bill. They accepted much less than I owed due to my health situation and not working for so long. 

Now XXXX is back sending me letters about getting a default judgement against me when they still have not verified the debt as required by law. 

I own my condo that is in a retirement community and dont have the health or energy to keep being bothered with them. Attached are the letters they sent me in response to my request for verification letters, also the court papers they sent. 

Thank you. I appreciate it if you are able to help me.