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

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all XXXX credit bureaus. XXXX, XXXX, and Experian XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXXXXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and experian proof of identity theft and fraudulent accounts and fraudulent inquiries and fraudulent address and still no response and they haven't remove anything from my credit report
Product: Debt collection

I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.
Product: Mortgage

Issue 1 ) Property damage sustained on or aboutXX/XX/XXXX. Claim filed with homeowners ' insurance onXX/XX/XXXX. Insurance adjuster inspected damage and filed a report with the insurance company. Check for {$17000.00} received on or aboutXX/XX/XXXX. Check endorsed by homeowner and sent certified with return receipt to mortgage company along with insurance company 's estimate. Estimate of {$6000.00} obtained from plumberXX/XX/XXXX and sent to mortgage loss draft department. Check made out to plumber and homeowner for 50 % / {$3000.00} given to plumber on XX/XX/XXXX. Plumber work completed onXX/XX/XXXX County inspector approved plumbing work onXX/XX/XXXX. Final plumber invoice for {$3000.00} and county inspector approval sent to mortgage company on XX/XX/XXXX Acknowledgement received XX/XX/XXXX from mortgage company of receipt of plumber final invoice and county inspector approval and informed by email from mortgage company that a inspector for the mortgage company would be contacting us in 72 hours to schedule an inspection of the plumber 's work and to contact the mortgage company if we were not contacted during that time. As ofXX/XX/XXXX we were not contacted in the 72 hour time by any inspector. OnXX/XX/XXXXcontacted the mortgage company that we had not been contacted by a inspector. On XX/XX/XXXX we received an email stating that ; " We regret to inform you of the continued delay in regards to your property inspection. Our inspection administrators are experiencing difficulty assigning an inspector in your area. Alternate vendors associated with your zip code have been contacted. We will provide you with an update as quickly as possible. '' On XX/XX/XXXX received an email from mortgage company asking ; " can you get me something in writing from the contractor to show what they have completed and I will look into issuing you the next disbursement? '' This email was forwarded to the plumber asking him to please respond to the mortgage company request.

Issue 2 ) Regarding the above insurance claim estimate ; according to the estimate on page 4 under General Items, number 1, Dumpster 10 yard for {$440.00} is part of the insurance check issued. The {$440.00} should be issued to us as we paid {$280.00} for the 10 yard dumpster described in the estimate. There will be rental charged for this dumpster, so we are entitled to the full {$440.00}.

Issue 3 ) Regarding this same claim for the repair of damaged floors and insulation which has been estimated by a restoration company and that estimate forwarded to the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I reached out to Transunion via certified mail in reference to fraud related accounts reporting on my credit report due to identity theft. I included a copy of Police Report that was completed in person as well an identity theft affidavit. The accounts in question were XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not applied for or received and credit for these accounts and they should not be reporting on my credit file due to being fraud-related. Under sections 605b, 609, and 611 I am requesting Transunion to remove the fraud-related accounts from my credit report as i've become of victim of identity fraud/theft.
Product: Credit card or prepaid card

Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports
Product: Credit card

The XXXX Homedepot collected a payment of {$520.00} via the phone for a recent flooring project and it is not reflected on my card statement. This payment was made after Homedepot charged my account for {$4000.00} plus dollars. The Rep said it was an additional charge that the installer quoted during the job and I had to pay it. In order for the job to be completed, I promptly paid it. They placed me in a very bad situation by not even allowing me a day to sort things out. Although I had paid upfront for the job based on the quote, they suddenly came up with this overage out of the blue. Now, the money has not been applied to my credit card account. I contacted XXXX XXXX, manager at Homedepot, and he indicated that the accounting dept would contact me. I have not been contacted. I will attach my documentation so that you can clearly see that my payment is not reflected. This concerns me and I think someone at Homedepot has mis-applied it to another account or even worse, my have placed the funds in their account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XYZ Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Debt collection

Portfolio XXXX is trying to collect a debt that I do not owe. If I ever owed it, it is beyond the statute of limitations in my home state. Additionally, they have begun to call my wife and told her that I owe them money.
Product: Credit card

At the last week of XX/XX/year>, I found out that my credit card statement had shown serval transactions XXXX XXXX XXXX {$400.00} XXXX {$100.00}, XXXX  XXXX XXXX # XXXX {$410.00}, XXXX {$400.00}, XXXX XXXX {$15.00}, XXXX XXXX # XXXX {$400.00}, XXXX XXXX {$150.00}, XXXX {$350.00}, XXXX {$400.00}, XXXX {$130.00}, totally of {$2700.00} so I called to dispute those transactions, which the bank had taken those from my balance, but then in XXXX the bank has had transferred those transactions back to my credit card balance and they told me that those purchasing made by credit card representing and chip on credit can not be clone, therefore I was the one who made those transactions have to responsibility for those transaction. I went to XXXX of Truist Bank branches and talked to XXXX of the bankers, and they agreed that I shouldn't be responsible for those transactions that I didn't make it, but they can not help me. So, I am hopeless to find someone to help from Truist Bank. The bank is continuing charges higher interest each month. I really do need help because it is unfair for me to pay for something I didn't purchase. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 I contacted this company about this issue and explained that I have been a victim of identity theft since I was a minor. I have a police report and FTC report that I sent to them and this company refuses to cooperate and they are in constant violation of my consumer rights. This company illegally purchased private non public information in violation of my privacy rights. This company is also committing securities and language fraud. I have reported them to the SEC due to the fact they said I gave them security interest in which I did not. I do not owe any debt to this company. I have never done business with this company.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries under 15 USC 16c-2 are damaging my credit ; remove these unauthorized entries.
Product: Checking or savings account

I have had an ongoing issue with Ally Bank where they wont resolve an issue figuring out why my refund hasn't processed Recently My balance went from XXXX to XXXX due to a double charge and no one can tell me why, every time i call i get difference answers and suggestions. They say they escalate things and i never get responses
Product: Debt collection

I was contacted through text from ARS. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed I have several items on my credit profile. These accounts are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$83000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Discover card for over XXXX years and always have had my account set for automatic payments. 

In XXXX my checking account was compromised by criminals and my bank said that I would have to close my checking and get a new account with a new number. 

I called Discover on XX/XX/ and notified the rep that I had a new checking account number and that I wanted to manually process my XXXX payment and that I wanted my old checking account deleted and the new account added for automatic payments going forward. 
I read my new account number to the rep no less than four times. 

I ended the call, thinking that all was well and thought no more of the issue. 

On XX/XX/ during the middle of the day, I received a call from the collections department at Discover. 

I explained to the rep on XX/XX/ what my conversation with the rep on XX/XX/ was and how I had given them my new checking information. 
The phone rep said that Discover had tried to process my payment on my OLD account and that it had been returned. 

I gave the rep my checking information for the FIFTH time on XX/XX/ and she processed my payment and said she was adding the account to automatic payment. 
The rep went further to tell me that Discover would listen to the XX/XX/23call and would find out why the rep failed to perform his job. 

I left the call on XX/XX/ feeling that my issues were resolved and no further action was required on my part. 

OXX/XX/23 Discover did not process my automatic payment as they should have. 
Discover reported me as late on the credit bureaus. 

On XX/XX/23Discover reduced my credit limit from {$33000.00} to {$24000.00} which caused me to be over my limit, and also began charging me the " default '' rate. 

On XX/XX/ I called Discover, spoke to a rep named XXXX in the XXXX call center ( XXXX is her supervisor ). XXXX assured me that she would look into this issue and that she would call me back on my cell phone onXX/XX/23 at XXXX XXXX. 

XXXX never called, I waited until XXXXXXXX XXXX and called Discover onXX/XX/23I spoke to a rep in Ohio named XXXX. XXXX was very professional and at present says that he is still looking into the matter. 

I need for Discover to remove the late payment report from my account and from the credit bureaus immediately. 

I want my credit line restored back to {$33000.00} where it was prior to XX/XX/ and any default apr to be removed and the apr to reflect a customer in good standing. 

I want a written apology from DISCOVER. I have NEVER BEEN LATE paying DISCOVER.
Product: Checking or savings account

After I XXXX XXXX XXXX Talk to Mr XXXX about Chase Bank did not Cash my SSDI/C8 Disability Account, Check, From an Accoun : Clean Slale Checking Account,
Product: Debt collection

Hello - I have a entry on my credit report from National Credit Systems. They say I owe an old apartment complex I used to live in for a couple of months rent. However - I had moved out early from the apartment, thus ending my contract early. I even paid the early termination fee. 

However - National Credit Systems is saying that I owe the apartment complex for the rest of the contract, even though I cancelled it early. I have told them that, and they still entered the information onto my credit reports. 

I can provide evidence that I cancelled the contract early.
Product: Credit card

Well, I tried to make payments to all these companies Pretty much never got a solution
Product: Debt collection

I did not consent, nor benefit from or authorize any of the following accounts.

1. NAVY FEDERAL Credit Union- Account # XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Product: Debt collection

Today XX/XX/2020 at XXXX EST a collection agency named Nationwide Recovery systems called me to collect on medical  debt. When I requested written verification via US PS, I was told that if they had to mail out a letter to me that I would owe the entire debt. I told him if I did not have verification there was no way to know if the account was even mine. On top of that they stated the tea collection was from five years ago. This is past the four year mark for Florida and they are not supposed to be contacting me about this debt per the Florida State statutes and 95.11. 
I have attached proof of the phone call from today in the uploads.
Product: Debt collection

I learned about a fraudulent account by checking my credit report. It was a collection from Allied Collection Service for an account with XXXX XXXX opened XX/XX/2019 for {$600.00}. I initially disputed the collection with XXXX  and XXXX, but received notification that my dispute was " resolved ; reported by grantor '' and it was not removed from my credit report. I then called Allied Collection Service at ( XXXX ) XXXX, at which time they said the only ways they could look up my account were by account number ( which was not listed on my credit report ) or my social security number. They said they don't have the capability to look up accounts by my name, which is unbelievable. Since the original XXXX account is definitely fraud ( we have only ever had XXXX ), I believe the collection agency may also be fraudulent. I did not give them my SSN, so they said they couldn't help me. But, they did transfer me to a recorded message about reporting fraudulent XXXX accounts. I completed the Identity Theft Affidavit form on XXXX 's website and sent that in today. I also found a lot of articles about fraudulent XXXX accounts, so I think this problem is pretty widespread. Even if this collection agency is legitimate, they certainly did not do their due diligence in verifying the account was actually mine before reporting to the credit bureaus. Additionally, I had never received one bill or notice from Allied Collection Service ( or XXXX ) ever.
Product: Debt collection

TCF National Bank allowed an account to be opened by an individual who stole my identity. TCF National Banks address is XXXX XXXX XXXX, XXXX, Michigan XXXX & their phone number is ( XXXX ) XXXX. TCF has sent the account to collections. I received no notifications about the fraudulent account being past due because the individual who stole my identity used an incorrect address to open the account. I attempted to notify TCF of this fraudulent account multiple times via phone & e-mail, dating back to XX/XX/2020. The employees Ive spoken to on the phone have provided no resolution. I have provided several documents via certified mail to prove I am the victim of identity theft & that I had no awareness of an account being opened in my name, but TCF refuses to acknowledge my claim & the provided documentation. Documentation includes a police report filed XX/XX/2020 & a report filed with the Federal Trade Commission on XX/XX/2020. TCF is still actively looking to collect on this fraudulent account & has done nothing to hold the individual responsible for stealing my identity accountable.
Product: Credit card or prepaid card

This creditor acceded my credit report and issued a credit card without my authorization and by not ensuring proper identity checks to prevent fraudulent opening of this account.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report, which has been wrongfully verified by XXXX, Experian, and XXXX as accurate, despite prior disputes. The continued reporting of this incorrect information is damaging and unjustified. I have included attached documentation that clearly disproves the information being reported. 

This failure to correct the inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623 ( b ), which mandate that credit bureaus and furnishers ensure the accuracy and integrity of the data they report.

Given this evidence, I am requesting the immediate removal of the inaccurate information from my credit report. The ongoing failure to correct these mistakes is unacceptable and must be resolved in compliance with the FCRA.
Product: Debt collection

XX/XX/XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$720.00} XX/XX/XXXX XXXX  XXXX  {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.