23daVinci/CFPB_Complaints huggingface dataset:
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 {$10000.00}, {$32000.00}.

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 onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed 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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Vehicle loan or lease

The loaned vehicle was involved in litigation against the manufacturer for serious defects totaling over XXXX. Before litigation filing, I requested help from the lender ( TD Auto Finance a division of TD Bank N.A. ) The Lender declined to provide support against the manufacturer and dealer. During this time my business was impacted by XXXX and payments were starting to become late. We were able to catch up each time. In early 2024 I shared with the Lender that my business is filing for XXXX  and I likely will be doing so personally as well. The lender charged off the account and has been reporting negatively ( XXXX ). Business changes like the wind and I was in a position not to file XXXX  and pay off the account ( XXXX [ balance totaling over XXXX ] ). The lender has been completely uncooperative. I am restricted in every way to pay them from debit cards to ACH transactions. I am forced to make XXXX transactions of {$2500.00} via card/ach but then I am maxed out for the month. They are instructing me to drive to a TD bank XXXX states away for the remainder if I want to pay it this month. They also refuse to provide positive reporting for the payment in full. They claim they are unable to make manual entries... I call XXXX. 

Details : Charge-off date : XX/XX/XXXX Payment after charge off : XX/XX/XXXX {$7500.00} Following Payment : XX/XX/XXXX {$4500.00} Following Payment : XX/XX/XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance isn`t correct the balanced has increased with equifax causing my credit score to go down 13 pts,  the company is XXXX XXXX XXXX reporting to equifax. EQUIFAX HAS Either change the balance or not geeting their numbers right.
Product: Checking or savings account

I was sent an email by Citibank with an offer of {$300.00} if I opened a savings account using the link they provided and made XXXX direct deposits totalling at least {$1500.00} within 90 days. 

I closed my account with XXXX XXXX XXXXXXXX to take advantage of this offer. I followed their link, signed up, went to the branch and showed my ID for verification purposes, I then began using the account to do all my banking, pay my bills and I made multiple direct deposits of my paycheck directly to the account ( more than {$5000.00} ). 

I called them when the bonus did not arrive as scheduled and was told I am not listed as eligible for a bonus. They did not give any reason. 

A brief search of the internet shows that Citi has been denying these bonuses to hundreds of people with no rationale and even suggests they are doing so because they had more people respond than they wished to cover.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit card or prepaid card

I filed a charge dispute with a purchase on XXXX XXXX, capital one close the case even before i can get the respond from the merchant on XXXX XXXX XXXX  and charged me late fee and interest during the dispute.
Product: Prepaid card

I received a {$1000.00} American Express gift card as a gift, then tried to use it with a few different online retailers, grocers, etc. Each and every time, it was declined. I contacted these companies and they told me to contact American Express ; it was not them declining the charge. I contacted American Express and they said that the charges are declined for " security reasons '' and they can not discuss specifics.
Product: Mortgage

My name is on a refinance Mortgage that I did not give consent to be on.Mu ex wife XXXX did not turn in her quick claim deed and I have been remarried for 23 years now.My wife ( as of today ) which is XXXX XXXX, we are unable to get a house in my name because of this problem.I need this removed from my credit as soon as possible unless someone is going to be in a lot of trouble with a law suit on their hands.It is very important that this matter is cleared immediately.Thanks in advance. XXXX ( XXXX ) XXXX.
Product: Student loan

BCO consulting services tried to say they could get me a federal public service loan program forgiveness. They wanted to charge me 5 monthly payments before even being approved of the loan forgiveness from the US Department of Education. The US Department of Education told me I was scammed.
Product: Debt collection

In 2017 XXXX  suffered a security breach that leaked the data of XXXX XXXX Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Mortgage

I closed on a Better Home FHA mortgage on XX/XX/XXXX. Both loan estimate and loan disclosure stated the Property Taxes were {$310.00} + {$40.00} ( total {$350.00} ) per month. The Property Taxes were grossly underestimated as my XXXX Property Taxes were {$7900.00} for the year. If the correct tax base was used, I would have NEVER been qualified for this loan! I am now in a house with a mortgage that I can not afford! On the Disclosure, XXXX  Other : line XXXX, the XXXX Summer Taxes were {$7100.00}. The Disclosure states an annual escrow of {$7800.00}. That said, how was the {$350.00} derived? As of XX/XX/XXXX, I now have a negative Property Tax escrow shortage of {$6500.00} which results in a {$540.00} increase per month to cover the shortage. Additionally, the correct monthly Property Tax amount is {$670.00}, not {$350.00}, which results in a monthly increase of {$310.00}. The combined monthly increases have increased my mortgage payment by {$540.00} + {$310.00} = additional {$850.00} per month. The inaccurate monthly Property Tax estimate was missed by 1 ). Better 's Processing Team, 2 ). Better 's Underwriting and 3 ). Better 's Closing Team. Qualifying me for a loan I can not afford. After making one mortgage payment to Better Mortgage, my mortgage was sold to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

On XX/XX/2024, I wrote PHH Financial Services in there dashboard asking for written permission to place my home mortgage in an owned LLC. 
On XX/XX/2024, PHH wrote back to follow up with them after XX/XX/2024. 
On XX/XX/2024, I noticed no written response was sent and called customer service. 
On XX/XX/2024, PHH sent an email stating to send a Letter of Intent with my signature in order to process the request. 
On XX/XX/2024, I sent two Priority Mail letters to PHH. One with the Escrow Request to pay my own taxes and insurance. The other was the Letter of Intent to place home mortgage in an owned LLC. 
On XX/XX/2024, PHH acknowledged that they received the Escrow Request form on XX/XX/2024. 
On XX/XX/2024, PHH stated they can not initiate transfer of the account until they receive the letter of intent which was sent on the same day as the Escrow Request form. 
On XX/XX/2024, I went to the post office to verified with the tracking number that they delivered the Letter of Intent on XX/XX/2024 to PHH to : PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
On XX/XX/2024, I wrote PHH of this verification from the post office and address. 
On XX/XX/2024, PHH replied that it will take 3-10 business days and may extend to 30 days to research and locate the Letter of Intent. 

***PHH is refusing by using delay tactics to provide me with written permission to place the mortgage into an owned LLC . As of today, I still have not receive the Escrow Request Removal form either.
Product: Checking or savings account

A fake text message from XXXX has tried to send me a link that I know is fake to try and steal money. The bank that is being impersonated is Bank of America
Product: Debt collection

I keep getting collection calls for a " XXXX XXXX XXXX '' ( have only heard it, so it might be spelled differently ). I am not this person, nor related to this person, nor know this person. I have called the company before and told them they have the wrong person. However they continue to call and have called for more than a year now. <P/>Here is one of the latest voicemails from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " This message is solely intended for XXXX XXXX. This is XXXX calling you from CRS. This call is in regards to a legal matter that has been linked to your name and social. If you 'd like to make a formal statement, please contact our office at XXXX. Make reference to case number XXXX. '' Another voicemail from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Another voicemail from ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Other phone numbers used with similar messages : ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I told them they had the wrong person on XX/XX/XXXX. I was told they would remove my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is incorrect on my Equifax credit report but correct on XXXX and XXXX. I have downloaded documents to their website portal and taxed them proof my address is incorrect. I sold my house, Moved away for a year then bought a house at a different address. They put.down my old address ( the house I sold again. ) When XXXX pulled my credit Equifax said I didn't have a credit file. I have tried for 3 months to get this corrected without any success! My personal information was also compromised by their data breach and I didn't receive the compensation they promised after I filed.
Product: Debt collection

On XXXX XXXX I received a letter for Midland Credit Management inc . They were identifying themselves as the new owner of an account that is no longer in debt at the original creditor. They are charging me {$640.00} from credit XXXX bank account. Account number at MCM is XXXX. As soon as I received the letter I call them at XXXX. I 'm pretty sure that they can confirm this via their call recordings. The first representative was not avail to provide me any information as of why I owe this account to them. When I repeatedly ask him why he could n't provide me any information he said to call again later. After he got tired of me asking why he could't provide me any information and me asking to speak to a US representative that speaks english since I thought that was n't understanding what I was telling him he hang up on me. 

I called a second time and explain that a previous representative had hang up on me the new representative started to laugh at me. When I ask him what was so funny he laugh again and said that it was n't about me. I ask for manager and he send me again to the main number to get another representative. 

For their poor collection tactics I have open this complaint with the XXXX and also with The Consumer Financial Protection Bureau. 

With all of this being said, I require that Midland Credit Management Inc provides me with detailed information that validates this debt as correct. That includes sending me detailed statements about the amount owe, verification from the original creditor that shows that I still owe this debt, Signed contracts or agreements between me and the original creditor. If they can not provide me with all of this information, I require that they stop all collections attempt to myself and to do not report this debt to any of the XXXX credit bureaus ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to Equifax and XXXX continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!! 

The following fraudulent accounts are 1.. XXXX XXXX XXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX ( XXXX XXXX XXXX ) {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report
Product: Debt collection

This company has called my phone multiple times under different phone numbers and using different agents requesting that I confirm my name, address, and DOB. When I requested why the need for my personal information, they only state that it is a " personal matter between myself and my mom ( they use her given name instead of stating XXXXyour mom ' ) ''. Due to security risks, the very vague answer, and being unfamiliar with their company, I blatantly refused to provide any information unless they will tell me what the so-called personal matter is. They also threatened to call my mom. I refuse to allow my mom to be harassed by them as scammers have called her in the past resulting in her having panic attacks. They have also been known to call during my standard work hours of XXXX to XXXX which puts my job at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Debt collection

I have been tracking my credit on XXXX XXXX for a couple of years now so that I can work to improve my score. I was in good standing until this morning when I got a notification from XXXX XXXX that there was a change to my Credit score. Out of nowhere, there are now TWO collections showing up on my report from Commonwealth Financial OPENED ON XX/XX/2019 for medical services. I have not had any medical services from these businesses for almost 7 years! There should be no reason why Commonwealth Financial is opening it as BRAND NEW collections! I have read numerous complaints about Commonwealth Financial scamming people, not settling, and ruining their credit. They use very old debt ( 5 years or more ) and REOPEN it as a brand new debt collection! This is extremely wrong and FRAUDULENT. I have no problem settling any debt that I owe, but I refuse for my Credit Report to suffer over inaccurate and fraudulent activity!
Product: Credit reporting or other personal consumer reports

while checking my most recent credit report i noticed unauthorized and fraudulent credit inquires made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. in addition I did not give them permission to furnish this information onto my credit report this is a violation of the FCRA SEC.1681b ( c ) which constitutes as fraudulent activity an is a serious breach of my privacy rights. 

Fraudulent and unauthorized hard inquiries XXXX XXXX, date opened XXXX XXXXXXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX ( finance ), date opened XX/XX/year>, XXXX XXXX ( auto ) date opened XX/XX/year>, XXXX XXXX XXXX, date opened XX/XX/year>XXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX XX/XX/scrub> XXXX XXXX