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

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

Account Name : XXXXXXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

List below are violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I urge you to remove all unauthorized and potentially fraudulent accounts and inquiries listed below : Credit cards Capital XXXX # XXXX one # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX SQ WINTER XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Upon XXXX my Experian credit report dated XX/XX/year>, I discovered several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information.

Furthermore, 15 USC 1681i ( 5 ) mandates that when a disputed item in a consumer report is found to be inaccurate, incomplete, or unverifiable, the agency must promptly delete or modify the item accordingly. They must also notify the information furnisher of these changes. Additionally, per 15 USC 1681s-2, information should not be furnished to any consumer reporting agency if it is known to be inaccurate.
Product: Debt collection

Hello I keep getting emails and calls from TrueAccord. They are telling me I owe over {$1400.00} and think I am someone I am not.
Product: Credit card

My card was present for a {$20.00} tap-to-phone charge to 3 large men on the street who were collecting for a family emergency, but the thieves charged {$3000.00}, {$3000.00}, {$3000.00} right away for a total of {$9000.00}. I called Bank of America immediately and reported the fraud/robbery as they jumped into a running car and sped off. The charges came through as XXXX XXXX XXXX in Illinois. Bank of America denied my fraud dispute, stating my card was present and I authorized the purchase. I filed a police report with XXXX, and re-opened the claim with Bank of America as a legal matter. I sent them copies of the police report. They denied the fraud dispute once again, stating my card was present. Tapping a card to phone charge is a normal practice, but thieves who can show {$20.00} on the phone, but charge {$9000.00} is not an authorized purchase. It is fraud and I was robbed. My credit card company failed to protect me, even after I called within seconds to report the robbery. They not only let the large, suspicious charges go through instead of denying them when I was clearly out of town and ( 3 ) simultaneous charges were not a normal charge pattern, but after pending for 2 days and having a fraud report on file, they still cleared them.
Product: Debt collection

daily phone Calls during the week and even on Saturday from the below numbers Merchantile Adj ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I block these calls, but these places continually call from new numbers. Although I have most of these numbers blocked, I know I am Still getting calls from them because they are Still Registering everyday on my XXXX incoming call list. When I look these numbers up online, they are Indicated as debt collectors, yet I have no Idea why they would be Attempting to contact me, since I have no debts..sometimes they will leave a message saying to call back and reference a case number There is nothing on My credit report indicating I have anything in Collections or in my public records ... I do not owe money To anyone I am on medication for XXXX XXXX and other XXXX   related disorders This type of rediculous Harassment is aggravating my XXXX  and I am getting the shakes These places need to be Dealt with appropriately As soon as possible.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Debt collection

the company closed down and the debt was settle in full and wrote it off on my taxes
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to XXXX XXXX in reference to this account. Iam unable to open my own account because of this account. XXXX  XXXX  refused to help. This is a violation of the fair credit reporting act.
Product: Mortgage

My name is listed as co-owner on a property, however a now deceased member had the mortgage in her name. I called Select Portfolio Servicing ( SPS, XXXX ) requesting a pay off amount in order to get a loan through another lender. I provided initial requested documents such as the death certificate and was told they have 30 days to review the documents before making a decision or requesting additional documents, then SPS requested probate documents. The property did not go through probate which I stated. SPS informed me the only way to move any further with the process was to put the property through probate and advised that I seek the services of an attorney. SPS has refused to provide a payoff amount or even an amount to pay until all paperwork is completed to keep the loan on good terms. Additionally I received different answers from up to three different Relationship Managers, customer service, in the same day. I offered to come to the office and was told there is no physical office nor do the underwriters speak with customers directly. 
I spoke with the following Relationship Managers on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who said the dedicated person for the account is XXXX at XXXX ext XXXX, XX/XX/2024 left message for XXXX but did not receive a call back, XXXX XX/XX/20XXXX XXXX XXXXXXXX put on hold for XXXX minutes to get to higher level XXXX who recommended I seek the services of an attorney.
Product: Mortgage

To Whom It May Concern, I made my mortgage payments on time to my mortgage lender, M & T Bank. My note provides that my mortgage account is escrowed. As a result, M & T Bank is responsible for paying the insurance directly to my insurance company, XXXX. My insurance renewal date was XX/XX/XXXX. M & T failed to make said payment timely and remitted payment to XXXX on XX/XX/XXXX. XXXX cancelled my policy on XX/XX/XXXX and returned the late payment to M & T once they received it. I was not notified of this as XXXX XXXX   correspondence went directly to M & T Bank. M & T Bank did not notify me either. I continued making my mortgage payments and was notified by M & T Bank on XX/XX/XXXX that my insurance policy had been cancelled. This was 9 months later. During this 9 month period, there were no indications on my statement that there was an issue with insurance. I contacted XXXX XXXX immediately and paid out of pocket to renew my policy until I sorted the bank 's mistake out. I spent countless hours on the phone with representatives and they ignored my concerns telling me that I needed to make a payment of {$4700.00} to retroactively pay for forced place insurance for coverage from XX/XX/XXXX-XX/XX/XXXX. I wrote a letter to the company on XX/XX/XXXX and they ended up during an investigation. They determined that they did not notify me of their late payment and the cancellation of my insurance policy as a result of their negligence. However, they are still demanding I pay for insurance during the XX/XX/XXXX-XX/XX/XXXX period even though they did not seek force place insurance and the time lapsed without any coverage.Additionally, none of my statements during this 9 month period itemized forced place insurance. Once the issue came to light, M & T bank is trying to retroactively charge forced place insurance on my account. They even issued a declaration page on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX insurance was on the account with no verification in any documents prior that this was the case. Contrary to that, they indicated on XXXX XXXX that they would have to put forced place insurance on my account if I didn't obtain hazard insurance. This was the first letter sent to me alerting me that something was wrong. M & T Bank is attempting to make me financially responsible for their error. I need the help of CFPB to get justice.
Product: Credit reporting or other personal consumer reports

I believe my identity is on the dark web, I also believe my social security number is on the dark web. Need all of my information to be removed from that site. I also believe someone else is using my information
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XXXX Owed : {$5.00} - OPen
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They called another phone line at my job asking for me on XX/XX/18 and I told the caller this was my workplace and to stop calling. Today, on XX/XX/18 the same caller called the other coworkers number asking for me. I work for XXXX XXXX and can not keep having them call my place of employment especially on a phone line that is not mine!
Product: Debt collection

The descriptions of all that happened is attached. Also attached is documentation that prove my statements are true and correct, and will prove statements made by XXXX XXXX, at XXXX on XXXX are false and fraudulent. I received false statements in the form of an email which were supported and contributed to me by U.S. West Collections.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX I sent information about having my bankruptcy removed I have provide information from the court and their data provider including identification of myself. Experian case-number XXXX came back today as of XXXX it stated the same answer that the company as verified the information is accurate and correct. At this point I am asking again remove this item from my credit report because Experian has not done a investigation because their data provider is XXXX and they remove the XXXX in the month of XXXX the court does not provide information to the credit Agencies. So who are providing this information I have all the documents and conducted my own investigation with XXXX and they verified they provided information to ALL XXXX Credit Agencies. This is a violation of the Fair Credit Reporting Act.15USC1681a ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the XXXX  After I told them that my car was totaled. They were paid off
Product: Money transfer, virtual currency, or money service

In XXXX, a customer named XXXX XXXX XXXX XXXX purchased cryptocurrency from us on XXXX through XXXX transactions, totaling {$13000.00}. These purchases occurred as follows : {$4500.00} on XX/XX/XXXX, {$2900.00} on XX/XX/XXXX, and XXXX purchases on XX/XX/XXXX. On XX/XX/XXXX, XXXX filed a claim stating that these transactions were unauthorized. 

We promptly submitted proof of our conversations and verification from XXXX, which confirmed that the buyers name was XXXX XXXX XXXX XXXX, matching the name on the banks claim records. Since XXXX had to complete the XXXX  process before using the platform, their identity was verified. However, the bank refunded XXXX money without explanation, and a message I received suggests that the bank may have conducted its investigation without considering the full evidence we provided.
Product: Credit card

I was incarcerated on XX/XX/XXXX and was released on XXXX. While I was incarcerated, I was notified by my sister, XXXX XXXX that my brother XXXX XXXX was going through my important documents, personal items, jewelry and took pictures of them. So once I heard that, I told my older cousin to get ahold of my important documents. It was too late, I believe the reason why my credit is low because of my brother. He opened up bank/ credit card accounts and ran up a ticket on my credit limit. My family collected evidence on my brother because they think he was wrong for that. 

XXXX XXXX XXXX  : Partial acct # XXXX .... Date opened ; XX/XX/XXXX XXXX  XXXX : Partial acct # XXXX  Date closed ; XX/XX/XXXX DISCOVER : {$1600.00} date opened/closed; XXXX XX/XX/XXXX XXXX  XXXX : XXXX Numbers/address I wasn't aware of that may be fraud : ( XXXX ) ( XXXX ) [ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian open up my personal and reporting information to dark web, to a XXXX  without my knowledge and authorization. I contacted the Leasing Office they stated they did not authorize and then called XXXX XXXX XXXX and they said they did not authorize any services and experian has made it literally impossible to speak with a live support person to get clarity and protection after opening my info to the dark web MULTIPLE SOURCES... including the connections as mentioned here. Also experian dropped by score XXXX point when there was no support for it as my credit card is/ was at {$0.00} at the time, no new credit pulls soft or hard and no new credit added. My score should have gone up and not down. I tried to call for a supervisor to research all of this since it doesn't fall under any of their categories and consumer/ me gets stuck in recordings of loops when issue ( s ) doesnt fall under any categories. Violation of info, privacy, inaccurate updates, unauthorized marketing, unauthorized signings of things they have and opening up my info, safety etc to the dark web... please help. And maliciously destroying my credit score with no basis and no support and no updates to support. Experian incorrect t updates XX/XX/year>, Other issues arose XX/XX/year> to XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is staying I took out a loan, and I have not, nor do I have an account with them. I am a beneficiary on my husband account, not a signer on this account.
Product: Student loan

I have recently disputed payments deducted from my checking account due to a company called Premier Student Loan Center, LLC. They have fraudulently deducted money on a monthly basis since XXXX of 2018, and are NOT providing any services. The first 6 months they deducted {$390.00} a month, XXXX for my student loan, and XXXX for my husbands student loan. There has been no payment towards our student loans and It appears that they are somehow putting our student loans in forbearance without our authorization and pocketing the money. After obtaining our credit report, I found that our student loans are up for renewal and that NO PAYMENTS have been received. I contacted the company and the XXXX to find that Premier Student Loan Center is a SCAM, and there is no forgiveness towards our student loans, and they are not providing any services, just taking our money on a monthly basis. Over {$2300.00} was deducted the first 6 months, then another XXXX has been deducted from our perspective checking accounts ( XXXX and XXXX XXXX XXXX XXXX ) despite hundreds of dollars in INTEREST accruing in our student loan statements. My student loan lender is XXXX XXXX XXXX and they have NEVER heard of Premier, the merchant taking my money. My husbands student loan is serviced through XXXX. XXXX   XXXX XXXX suggested that I initiate a complaint. Also, despite giving this fraudulent activity to XXXX, I was unable to receive any return of the funds. However, my husband received a partial refund from XXXX, but has recently been notified that he will not be able to keep those funds as these deductions happened longer than 60 days ago. I am certain we are not the only ones affected as there are well over 100 complaints to the XXXX. This company is preying on individuals that would like assistance with student loan repayment and forgiveness. 

I do not wish for anyone else to be defrauded as we have. 

Thank you, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I wish to bring attention to unauthorized inquiries appearing on my credit report. These inquiries were not initiated by me and are evidently fraudulent, violating my rights to privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I put in a dispute for Report Number XXXX XXXX XXXX Status Paid in settlement. {$6.00}, XXXX written off. 

According to the payment history it shows a charge off in XXXX and XXXX but XXXX under the Payment history guide : Charge Off as of XX/XX/XXXX, XX/XX/XXXX. 

Under the FCRA a debt can only be reported as charged off once. In this report it is listed twice and is not in conjunction with the payment history guide which references XX/XX/XXXX. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires furnishers of information such as XXXX XXXX to provide accurate and complete information to credit reporting agencies. Reporting a charge-off multiple times for the same debt or inconsistently between the payment history and the charge-off status may violate this requirement. 
If the payment history guide states the charge-off occurred in XX/XX/XXXX, but the payment history itself shows a charge-off for XXXX and XX/XX/XXXX, this inconsistency could be considered inaccurate reporting under the FCRA. 

I have not been provided with any evidence or a debt verification letter to show that this is accurate. The result was simply stating that Reinvestigation info : This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Mortgage

In XX/XX/2002 I bought a home using XXXX Pick a Payment option for 7 to 8 years I was never late even though the payment kept going up and I was XXXX off my job. Then the payment went up to XXXX per month from about XXXX per month and the loan was unaffordable. I have been trying to get a loan mode for ( 7 ) seven years I have tried with agencies and without. 
I have appelled my denials. I have just about begged for help from Wells Fargo 's Loss Mitigation Dept. to help me They are saying I owe them too much but when I owed much less they would no help me either ' now they are still not willing to work with me even though I have income. 
I AM OVER XXXX AND HAVE NOWHERE TO GO I am just looking for an affordable resealoution. PLEASE HELP ME