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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My monthly mortgage payment is {$550.00}. I have autopay setup on my personal banking and the amount which is due on the XXXX of every month is sent to my mortgage company 4-5 days prior to the due date. I received a telephone call from Shellpoint Mortgage on XX/XX/XXXX at XXXX XXXX. demanding payment for my mortgage. The caller stated that they had not received a payment for the month of XXXX. I informed the caller that I send the payments every month a few days in advance which is deducted directly from the bank account and that I've never been late on a payment. She said that she would have someone else look at the account and contact me within the next couple days. On XX/XX/XXXX at XXXXXXXX XXXX., I received a call from the same number but was unable to answer while at work. The caller did not leave a message. On XX/XX/XXXX at XXXXXXXX XXXX., I received an e-mail from Shellpoint Mortgage that there was no record of payment found. On the same day ( XX/XX/XXXX ), I contacted the mortgage company and was told that my payment was increased that I was notified in XXXX via e-mail. I do not typically receive that type of correspondence via e-mail nor did I receive such an e-mail. 

Every year, Shellpoint Mortgage sends a request for proof of insurance and every year I provided the requested document. On XX/XX/XXXX, I received a letter in the mail from Shellpoint Mortgage confirming that they received my proof of insurance. On XX/XX/XXXX, I noticed on my mortgage statement that there was an increase in my payment and a current escrow balance. On that same day ( XX/XX/XXXX ), I contacted Shellpoint Mortgage over the telephone and was who was informed that they needed additional proof of insurance. I spoke with a young lady by the name of XXXX who provided me with a Reference # XX/XX/XXXX. She said that once I emailed her the additional document, that she should request to run a new analysis payment adjustment to return the payment to the amount that I normally paid. I never heard from her. 

So on XX/XX/XXXX, when I received that telephone, it came as a surprised especially since I was still awaiting a response. 

Shellpoint Mortgage has increased my payment and marked my record as having a late payment for which they charged me {$11.00}. Additionally, they have not been applying my payments correctly. Their website shows that my payments are going towards Mortgage Principal Only which it should not be. According to Shellpoint Mortgage, they have increased my payments to {$690.00} with no explanation. 

I have filed a complaint with the customer department but would like assistance with getting this resolved.
Product: Credit reporting or other personal consumer reports

I have been contesting an entry on my PERSONAL credit about a BUSINESS loan. XXXX has reassured Experian that I have given a personal guarantee of this loan, and I have not! I have been frustrated for months now, trying to SEE the documents upon which they state that I guaranteed the loan. I FINALLY have the document, and it does not prove ANYTHING at all. My name is TYPED on the bottom page of a document. For all I know, they typed my name there yesterday! That proves EXACTLY NOTHING!!! I WANT TO SEE PROOF THAT I GUARANTEED THIS, OR ELSE HAVE IT REMOVED FROM MY PERSONAL CREDIT. They can report it on the business credit only, that is fine. This was a XXXX XXXX, and it was NOT personally guaranteed!
Product: Credit reporting or other personal consumer reports

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ontime payment went through an inactive checking account onXX/XX/XXXXXX/XX/XXXX for my XXXX XXXX that I lease from BMW financial services due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called BMW financial services on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame BMW financial services for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times BMW customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at BMW finacial serviecs and they denied it all times!
Product: Debt collection

I mailed a written letter to stop all communication with me regarding a debt, and the company is still calling and trying to contact me. The certified letter was delivered to the company on XX/XX/22. I have attached the certified mail receipt along with this complaint. The company has tried contacting me on XXXX, XXXX at all hours of the day. 

XXXX XXXX # XXXX
Product: Checking or savings account

As of XX/XX/XXXX PNC HAS NOT UPDATED MY BALANCE CORRECTLY. My account number is XXXX. I've longed complained for the sum of 3 months about my ledger balance. PNC 's algorithm hasn't been updating correctly. My ledger balance is not updating correctly which is causing overdraft fees and misappropriated funds. XX/XX/XXXX i was granted a covid relied fund totaling the amount XXXX and XX/XX/XXXX my payroll deposit went in in the amount XXXX the morning of XX/XX/XXXX my account was overdrawn XXXX by no cause of my own. My total spending did not exceed the amount of available funds. I contact pnc 's escalations team about the missing Money in my account in the latter of XXXX XXXX .The account escalations rep XXXX XXXX XXXX XXXX XXXX, of whom I've yet to have a conversation with about the account however she has noted the account as if the bank has no wrong doing. PNC sent me a email stating my account was overdrawn for 12 days in the amount of XXXX since XX/XX/XXXX, i emailed XXXX XXXX my receipt for that day and the copied email stating the system is no calculating the account activity correctly. i also visited the branch in XXXX Maryland and spoke with a XXXX XXXX XXXX about this and although he was polite he referred me back to XXXX XXXX. I can't prove yet it appears someone employed is preying on lowered income peoples accounts.
Product: Debt collection

I sent Arcadia an Accord and Satisfaction letter in XXXX and also in XXXX along with a {$150.00} money order to settle the debt being showing on my credit report. Along with the check was an agreement that if they cashed the check they agreed to remove the account from my credit report and report that I owe them nothing. I also wrote on the back of the check under the endorsement line the agreement. The check was cashed XX/XX/XXXX and I am still seeing this account reported on my credit report and stating I owe them {$390.00}. They have violated my rights and have violated our agreement.
Product: Checking or savings account

I opened an XXXX XXXX account with citi, and provided full instructions at opening time itself on how to transfer funds to the Savings account. Trial verification deposits were made by Citi to my XXXX XXXX account and then withdrawn as expected. 
When I tried to login to my new Savings account, Citi 's absolutely website does not allow me to do ANYTHING with my new Savings account ... can't change ATM PIN nor allow me to validate/confirm my external Savings account. SO after trying to manage this across 3 computers and 4 types of web browsers, I call Citi who make it so IMPOSSIBLE to talk to a human being for a Savings account ( they actually don't even have a Savings acct option in their phone systems ) ... the rep tells me that I need to create a new profile to login and use my Savings account. I go and try to do that, and am again blocked by Citi 's site from doing on. So I go to Live Chat and they tell me unlink the Savings from the current web profile. I do that and then try to register for a new profile for Savings alone and the not-helpful at all website again blocks me saying I can not create a new profile for Savings. So I call in to customer service and they are simply not helpful and disconnect the call ... worthless service there too at all channels. All this was done so that Citi can charge an honest citizen the fees by not allowing me to deposit the requisite amount in time.
Product: Credit reporting or other personal consumer reports

I was stunned to find errors on my credit report today, and I don't understand how they appeared. I check my credit report routinely, but this time there were random discrepancies. I tried refreshing the page, hoping it was just a glitch, but the incorrect accounts stayed. Because of this, Im asking for a detailed examination of my documents so I wont have to deal with this stress again.
Product: Credit reporting or other personal consumer reports

Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including XXXX, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, XXXX has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by XXXX : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted XXXX on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX XXXX XXXX XXXX My correct email : XXXX Despite my efforts and compliance with XXXX 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.
Product: Student loan

I have asked Sallie Mae Student Loans to repeatedly not call my place of employment. On XXXX/XXXX/2015 a representative identifying herself as XXXX XXXX called approx. XXXX XXXX in an attempt to collect student loan debt. As I work in a XXXX, and have no direct extension, this interrupts business operations in the XXXX.
Product: Debt collection

I contacted the collection agency and asked for verification of the debt. I asked for payment made by me. A contract and calls made in and out by me. The representative said that this was a cell phone. I never had a cell phone from XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX.
Product: Debt collection

XXXX XXXX Charged off XXXX of a XXXX dollar loan and trys to continue to add interest every month since 2016 accumulating an outstanding debt of now XXXX dollars XXXX XXXX is a Loan shark Im am being bullied into paying a ridiculous debt deliberately attacking my Credit
Product: Credit reporting or other personal consumer reports

This account do not show accuracy with other credit agency. 

To Whom It May Concern, I am writing to dispute an inaccuracy on my credit report under my rights outlined in 15 U.S.C. 1666b of the Fair Credit Billing Act. This law mandates that creditors must not report inaccurate or disputed information to credit reporting agencies until the matter is fully resolved. 

The disputed account details are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information being reported is inaccurate for the following reasons : Improper Investigation This account is reported a current an never late on XXXX, XXXX so theres no way Transunion Did a proper investigation e.g., " The account reflects a balance that was paid in full, '' or " The account was never late other 2 Bureaus. 

Under 15 U.S.C. 1666b, creditors are required to promptly address disputes and refrain from reporting unresolved or inaccurate information. Allowing this incorrect data to appear on my credit report is a violation of consumer protection laws, as it misrepresents my credit history and causes harm to my financial standing.

I formally request the following : 1. Investigate this dispute and take corrective action to delete or amend the inaccurate information on my credit report.

2. Cease reporting this disputed information until the investigation is complete, as required by law.

3. Provide me with written confirmation once the investigation has been resolved and any necessary corrections have been made.

Please treat this letter as a formal dispute under the Fair Credit Billing Act and provide a response within the legally mandated timeframe. 

Thank you for your prompt attention to this matter. If you require additional documentation or information to assist in your investigation, please contact me at XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the XXXX credit reporting agencies XXXX, Transunion, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Credit card

I applied for a Wells Fargo Rewards credit card and was approved in XXXX 2016. When I received the card, I noticed it was not enrolled in the XXXX rewards promotion for which I specifically applied. I inquired via secure message on the Wells Fargo web site and via phone calls to both general customer service and the rewards department. The only coherent response I received was something about a 16-month limit but I read no such limitation when applying for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX OF XXXX XXXX Inquiry Date : XXXX. XXXX, 2023
Product: Debt collection

Navient has contacted me more than seven times in a seven day period and continued to contact me after I verbally requested for them to stop. 

These are the dates and times of their phone calls : XX/XX/23 at XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX, XXXX and XXXX XX/XX/23 at XXXX and XXXX I have attached screenshots of the phone calls to this complaint.
Product: Credit card

I have contacted chase bank in regards to a credit card that I have with them. Chase bank has discriminated against me for exercising my right to dispute charges I dont not recognize and investigate. They adversely closed my account and left a balance of a little over {$3000.00} I need this fixed asap. The account either needs to be reinstated or the whole account deleted. I have never received my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX  is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX
Product: Debt collection

Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX. 

I have not written a check nor been in a XXXX retail facility in at least XXXX years. 

Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits. 

Please advise me as to how to proceed. 

Thank you,