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

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX opened XXXX {$4600.00} # XXXX inquiry XXXX XXXX date XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, TransUnion and XXXX What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, TransUnion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account have resulted in a fraudulent inquiry appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiry as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Checking or savings account

Regions Bank someone from the bank and I know for the fact that is true because it's been happening to other people that I know has been stealing funds for my social security check every other month or every two months sometimes less than that I have gotten money back but then they want to complain because the money was taken well it's my money and I have proof that it wasn't more money that was taken and never paid and I want it it's my social security check
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ( " the CRA '' ) has committed multiple FCRA violations against me. 

Transunion has consistently stamped my disputes as " verified '' and " accurate '' without conducting reasonable investigations. The CRA has returned investigation results noted " updated '' with no updates. They have reported late payments on accounts of mine that are paid and closed. 

The CRA has violated my rights and completely ignored any procedural rules required by the FCRA. 

I have attached, in detail, an initial review of at least 10 accounts that should have been removed from my credit file because they were not corrected or updated. Instead, the CRA stamped these accounts " verified and " accurate '' and repeatedly re-verified as accurate, with absolutely no proof. ( see attached document ) Here are the violations I am seeking remedy for : 1. Failure to properly investigate my disputes 2. Failure to update, correct or delete inaccurate information on my Transunion report 3. Failure to disclose information to me that is relevant to the investigations 4. Failure to send me complete and accurate reports 5. Knowingly falsifying my credit report with negative information 6. Knowingly inserting late payments on accounts that were paid and closed 7. Failure to conduct a reasonable investigation 8. Extending the investigation period for me longer than legally permitted 9. Failure to consider and review all relevant information in my disputes 10. Failure to remove inaccurate unverifiable information
Product: Mortgage

I purchased my home in XXXX, XXXX from XXXX XXXX XXXX and XXXX XXXX for {$71000.00}. I began paying my mortgage through this bank until XXXX of XXXX, when XXXX XXXX XXXX acquired my mortgage. I began paying my mortgage through XXXX XXXXXXXX XXXX until XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX acquired my mortgage and I began paying them my monthly mortgage payments on my home. For 7 years, I paid my mortgage payments too XXXX Bank up until XXXX of XXXX. I was notified by XXXX Bank to start paying my payments to Bank Of America. Bank of America acquired my Mortgage between XXXX XXXX and XXXX XXXX. When I went to Bank Of America to make a payment, the bank insisted that they did not have my mortgage, and that maybe XXXX had it. I found this odd, but I assumed this was standard procedure, as we were going through a housing crisis of XXXX. I then went to XXXX to start paying my mortgage. They told me they had it, and accepted my payments. A few months later, I was given a late payment notice. Which I was shocked to receive, as I had never missed a payment on my mortgage since I purchased my home from XXXX XXXX in XXXX. On XX/XX/XXXX XXXX filed a Lins Pendens Foreclosure on my property. 

I believe that Bank of America made an error, when they informed me they didn't have my mortgage. After looking through acquisition, it appears that Bank of America was the holder of my mortgage after XXXX Bank XXXX XXXX. I had never received a written notification from Bank of America that my loan was purchased by XXXX. However, this negligence caused me to refinance my home with CitiMortgage and default on my loan, that Bank of America should have accepted my mortgage payments for. This mistake has ruined the life of me and my family for almost 20 years. I have not been able to come close to paying off my mortgage, even though I am close to paying double what the original amount was for. This is tragic and a breach of the representation and warranty owed to me.
Product: Credit reporting or other personal consumer reports

Letters were sent to the consumer reporting agencies in regarding student loan late payments. According to the United States Code, those requirements have been met. I am asking for immediate removal of those late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on Zelle and XXXX. Zelle stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Zelle : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} I have attached the payment history, under XXXX XXXX and XXXX XXXX There are about {$4000.00} more that she sent through XXXX XXXX 
During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday XXXX  and found out that this was a scam. 
We have talked to Zelle if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me.
Product: Credit card or prepaid card

I opened this card in XX/XX/XXXX since then I've had 3 payments to make XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. In both XXXX and XXXX of XXXX I have received numerous phone calls and text messages from the company stating to call them immediately regarding my account. The exact message reads " It is important you contact us regarding your XXXX XXXX. Click ( link to payment website ) or call us at XXXX. '' Not to mention the numerous phone calls from " potential spam '' numbers if my payment is not made or scheduled by the 8th of the month. However my due date is the 11th of the month. I contacted them today before filling out this form to complain and state that I did not want any more of these types of messages unless my payment is past due or missed. The person on the end of the phone just kept asking how I was going to make the payment and when I was going to make the payment as well as giving me my payment options before saying " I'm making a note of these payment options on your account '' not really taking what I was saying and doing anything with it. At this point I feel they are doing debt collecting practices on something that isn't even in collections.
Product: Debt collection

XXXX XXXX - XXXX # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. 
If you believe you sent proper Notification related to XXXX XXXX, please provide 'Certified Mail ' with receipt displaying my signature. 
If not, please delete XXXX XXXX XXXXXXXX soon as possible from my report otherwise I will have to pursue legal action.
Product: Vehicle loan or lease

Purchased a XXXX from XXXX XXXX XXXX in XXXX, NC financed with American Credit Acceptance in XXXX and traded the SUV in at the same dealership in XX/XX/XXXX for a new SUV. I received my " Paid in Full '' letter from American Credit Acceptance saying thanks for paying off your SUV and congratulations. The dealership received the title to the XXXX and they resold the truck to another person. XXXX XXXX I went to my bank to talk about refinancing my new truck, the loan officer tells me to contact American Credit Acceptance for bad debt. I reached out to ACA and spoke with XXXX who is one of the managers. She had 3 different versions of what happened. First she told me that I owed the money and couldn't explain why. Then she said they have a new system and she was unable to see my old account. The third story was some one messed up and shouldn't have sent the title to the dealership and shouldn't have sent me the paid in full letter. But she did not have an excuse as to why. She told me she would contact me back and she was going to talk to her manager to see if they can get it taken off of my credit and updated. XXXX never called me back, I called her every two weeks and she was always in a " meeting '' or on " lunch '' I would call her at different times and she was never available. I have proof that this account was paid in full, It's not the consumer 's fault when a company switch to new systems and can not properly transfer information. 

ACA is the worst and they are completely wrong for what they have done to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, XXXX XXXX has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. TransUnion and XXXX both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX
Product: Consumer Loan

I was 3 months late on payments, I have a installment loan with my car title securing the note
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number XXXX has violated my rights. 

15U.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

Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} TransUnion : XXXX BANK Opened XX/XX/2021 XXXX {$9900.00}.
Product: Credit card or prepaid card

This is the second time I've had fraud on this account and have been told I don't need to make a payment. The whole amount charged is fraudulent and do no rust this company to reimburse me if I were to make a payment. I've called several times and still show a payment due while they are investigating. The first time was a nightmare and I anticipate this one will be as well since it's already starting off that way. I've since closed my account and just want this claim to be resolved quickly so it doesn't ruin my credit.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a Vanilla Gift card for my daughter for XXXX at the XXXX in XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Helped by XXXX. 

She tried to shop for XXXX gifts on XX/XX/XXXX and the card was declined. We thought maybe it was too early to use ( even though our receipt says activated ). We looked online and it showed a {$150.00} balance So she tried again and again and still the card is declined. We logged back onto to vanillagiftcard online and it now says an error occurred each time we try to check the balance. She called the Vanilla Gift card number on the card and sat on HOLD for over an hour. Finally, they answered and said there was a problem with the card, that they don't show a card with that number?! When we explained that we already saw the balance on the card and now there is a system error, they said we will have to try again the next day. We continue to try and the system continues to show an error occurring. I have tried calling multiple times since then and sat on hold for up to an hour without anyone answering the phone. 

My daughter is a XXXX XXXX XXXX and she needs this money. Can you help us? 
You can reach me at XXXX XXXX XXXX
Product: Mortgage

I was pre approved by Navy Federal for a XXXX conventional mortgage with the required information. Long story short, after final approval and set closing date, two days before closing i am told " we can not move forward with the loan '' ...... 
When asked why i was informed a letter would be mailed out to explain. 
I complain directly to the loan officer, she apologized and immediately refunded the appraisal fee. I believe they should be held accountable for charges that occurred to close on the home I paid to have inspected as they required in the loan to purchase agreement. 
This has made my first time homebuying experience so traumatic, I am seeking the confidence to shop for a home for the first time. I was not expecting a lender to just pull the rug from under myself and two kids. 
I have to wonder if this had anything to with my complaint on the initial originator of this loan. I am just sad and frustrated, they were aware of my lease ending and the closing date being critical. I am so highly dissappointed
Product: Credit card

I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit card

I had a XXXX Credit card bill that was due on XX/XX/year> for a total of {$12.00}. I made the payment in FULL 2 days Prior to the due date. It was paid on XX/XX/year> confirmation # XXXX. 

I received no statement that was due on XX/XX/year> because there was a {$0.00} balance and no purchase was made. Now all of a sudden I get a bill for {$6.00} due XX/XX/year> for late fee and interest. 

The fees are incorrect because no late payment was made and no balance was carried to incur interest. They are trying to scam customers with small fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account owner : Individual Account Date reported : XX/XX/2021 Date assigned XX/XX/2021 Account Status : Unpaid Creditor Classification : Cable/Cellular Original Amount : {$790.00} Original Creditor : XXXX  ; last four of account number : XXXX Collection Agency : XXXX XXXX , XXXX Status Date : XX/XX/2021 The above information is reported on my EQUIFAX Credit Report. The last for digits of the XXXX  account in question is not my account. I have called Equifax several times trying to obtain additional information that would show that this debt is mine. I have also filed XXXX complaints with Equifax. Thus far, Equifax has refused to provide any additional information. 
I have also contacted the original creditor ; XXXX. My actual XXXX  account number is XXXX, not the one listed above. They have no record of my account ever having been past due. I have also called the collection agency ; XXXX XXXX , XXXX, they can not find an account with any of my information on it.
Product: Credit reporting or other personal consumer reports

I recently submitted my complaint about fraudulent inquiries on my TransUnion credit report and noticed a few new more fraudulent inquiries these are, 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 Witch I currently do not have a signed contract with or obligations to pay any collection I have updated my identity theft report with these items to view