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

I am writing to formally file a complaint regarding my persistent efforts to correct a late open account on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX  Balance : {$4100.00}.
Product: Mortgage

Experiencing massive amount of insurance, credit card, health insurance phone calls. I truly believe that my social security number was compromised and that someone tried to establish credit through fraudulent means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulled XX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My XXXX XXXX Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My U.S. Education Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX  credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXX and XXXXt bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX  and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( XXXX  : XXXX  > XXXX ), 0 points ( XXXX XXXX > XXXX  ), and -1 point ( Equifax XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXXfor all three bureaus. You can review the soft XXXX  from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.
Product: Credit reporting or other personal consumer reports

I have 18 inquiries, from various companies. I havent applied for any credit from these companies. I have expressed that to the companies as well as the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Per my last complaint against PORTFOLIO RECOVERY ASSOCIATES LLC that was closed unresolved, I am a federally protected consumer currently being harassed by PORTFOLIO RECOVERY ASSOCIATES LLC. I have already sent off a cease and desist in addition to a debt validation request to which both have failed to be properly honored. 

PORTFOLIO RECOVERY ASSOCIATES LLC has admitted to the CFPB that they purchased MY personal information ( which has a lawful copyright attached to it and held in a private trust ) from a company for the sole purpose of extorting me as a consumer and committing mail fraud. This is illegal and unlawful under federal law. Because of this, proper documentary evidence of the original contract between myself as a consumer and PORTFOLIO RECOVERY ASSOCIATES LLC can never be properly provided because it does not exist. ( Reference 18 U.S. Code Chapter 96 : XXXX XXXX AND CORRUPT ORGANIZATIONS ) If my consumer request to remove all defaming and negative remarks off of all of my personal consumer reports is denied, I will be seeking relief via litigation. A process which could lead to several hundred thousands of dollars for all damages as well as criminal penalties against the members of this corporation. 

I will also be reporting this company to the Attorney General of Virginia to make them aware of their deceptive business practices. 

I am a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent accounts that have appeared on my credit report due to a data breach that compromised my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the accounts listed below.

Fraudulent Accounts XXXX. XXXX o Account ID : XXXX o Date Opened : XX/XX/year> o Amount : {$270.00} XXXX. XXXX XXXX o Account ID : XXXX o Date Opened : XX/XX/year> o Amount : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Product: Debt collection

Debt collections reached out for accounts that I have no knowledge of. Stating that I owed them money. Once informed of debt, I started looking at credit reports and started finding more accounts that were not opened be myself. XXXX XXXX XXXX Account opened XX/XX/XXXX for a line of credit in the amount of {$500.00}. When I contacted company I gave my name and explained that it was fraudulent and started asking for other names on the account, address on the account and email. The man said that he could not and that I had to provide information. I gave him my ex wife 's phone number/address, he confirmed that those were in fact on the account. When I asked for the email provided he gave it then when asked for the fraud department, he promptly disconnected the call. XXXX XXXX account opened XX/XX/XXXX for a line of credit. Once contacted I explained that it was a fraudulent account. I was supplied with an email/address and phone number from my ex wife. XXXX Credit Card account opened XX/XX/XXXX for a line of credit in the amount of {$650.00}. I reached out to customer service and explained that it was a fraudulent account. I was provided with an email/address and phone number. NetPay Advance account opened XX/XX/XXXX for a loan. I contacted NetPay Advance and explained that it was fraudulent. It was explained to me that I owed {$1400.00} on a {$700.00} loan. I was directed to the fraud department and completed there fraud paperwork. I was given the email and the name of the banking institution that the loan was sent to. I then contacted the XXXX XXXX, Texas Police department & XXXX XXXX, Texas Police department to file charges. With the information given to me by the collections and customer services representatives I believe it to be the work of my ex wife. Using documents from our marriage prior to divorce, she opened multiple lines of credit in my name. I can provide the emails given to me along with the addresses and phone numbers. XXXX XXXX, Texas Police case number : XXXX XXXX XXXX XXXX Texas Police case number : XXXX
Product: Credit card

Capital One, XX/XX/XXXX, $ XXXX Request removal of account and derogatory information because my personal data was involved in a data breach in which information was highjack. No action taken XXXX XXXX XXXX XXXX XX/XX/XXXX, {$3400.00} - Request removal of account and derogatory information because my personal data was involved in a data breach in which information was highjack and used to open this account. No action was taken XXXX XXXX XXXX XXXX XXXX {$10000.00} Request removal of account and derogatory information because my information was involved in a data breached in which information was XXXX and used fraudulently, no action taken Capital One XX/XX/XXXX, {$3700.00}, Request removal of account and derogatory information because info was discovered in data breach in which information was used fraudulently, no action taken Capital One XX/XX/XXXX, {$4900.00}, Request removal of account and derogatory information which was discovered in data breach info used fraudulent, no action taken. 

XXXX XX/XX/XXXX {$0.00} requested removal of account and derogatory information which was discovered in data breach info used fraudulent, no action taken. 

XXXX XX/XX/XXXX, {$3000.00}, request removal of account and derogatory information which was discovered in data breach info used fraudulent, no action taken XXXX XXXX XX/XX/XXXX. XXXX, {$0.00}, Requested removal of account and derogatory information discovered in data breach info used fraudulent, no action taken. 

XXXX XXXX XXXX, {$2400.00}, request removal of account and derogatory info discovered in data breach info used fraudulently, no action taken. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX requested removal of account and derogatory info due to data breach info used fraudulenty, no action taken.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top XXXX credit reporting agencies. I have not received a response as of yet.
Product: Checking or savings account

XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. 

I tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. 

I finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.
Product: Debt collection

ELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  ) OPENED : XXXX/XXXX/2021 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for XXXX XXXX XXXX I was notified my consideration would not go further due to findings of driving abstract furnished by GIS included was a copy of that report. There were six negative mark 's. I disputed all but one. Three days later I received in the mail, the results of the investigation. This contained a driving abstract three times worse, containing outdated, more than fifteen years, information multiple offense 's inaccurately along with a statement claiming that I declined the disputed. This is not true. This time the report came from XXXX XXXX
Product: Checking or savings account

On Monday, XX/XX/year>, I received a second XXXX  debit card from Cash App ( XXXX XXXX  ) that I never requested. I have never created an account with Cash App nor with XXXX XXXX. I believe this is fraudulent activity. I called to have my account closed, but Cash App wanted me to send a photograph of the front and back of the card. This suspicious request made me seek help elsewhere. A representative from XXXX XXXX  said that they would ask Cash App to close the account. I want to make sure that this company closes all accounts and cards under my name. It is alarming that this has happened to me twice within one year with the same company. I want to prevent this from happening over and over again.
Product: Checking or savings account

I filed a complaint through Wells Fargo about an unauthorized charged from XXXX for XXXX XXXX I filed a claim. For only XXXX XXXX Wells Fargo took it upon themselves to file a XXXX XXXX claim without notifying me or giving me any call to get more information about the claim. I called Wells Fargo all they kept saying was I benefited from it because they gave the money back but that is not the point I was never notified of anything going on with the claim. Yesterday on XX/XX/23 Wells Fargo took the XXXX XXXX from me. Without me being notified the customer representatives failed to help me they were rude and just kept telling me I benefited in XXXX it is now XXXX with no notifications phone call or anything I didnt receive anything in the mail In regards to the claim it is not about the money it is about how they did it and I feel scammed they took it upon themselves to do a XXXX XXXX claim and not XXXX XXXX I just wouldve prepared myself for the money to be taken out and I needed that. They state there is nothing they can do to help. I just hate the rude customer service also when it is my money. When they took the money is when the claim was closed again I was not aware of any of this.
Product: Credit reporting or other personal consumer reports

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX
Product: Checking or savings account

a draft was taken out of my account of XXXX fr0m XXXX and then it was returned i was changed XXXX returned fee then another XXXX on XX/XX/21 then ameris bank allowed XXXX to take {$120.00} return fee {$35.00} then they continued to charged {$35.00} and they continuously changed me {$35.00} 4 more times
Product: Debt collection

My landlord forced my family to move out in under 30 days. My family and I secured a new location to live. Once we moved out of the formerly leased property, our former landlord claimed we destroyed her property and owe {$4200.00}. My family and I have yet to see any documentation that validates the claims of destruction of property. The former landlord hired an attorney who is now attempting to collect the debt. We still have no proof of this claim that we owe the amount the former landlord has submitted. The attorney has now sent a settlement request to remedy the alleged debt, but still has not provided proof that we in fact owe. We have requested this information from them twice. We are not sending any money since they have yet to prove this claim.
Product: Mortgage

My father died on XXXX XXXX, 2015 and left XXXX mortgages in only his name on his home that he lived in with my mother. There was no estate formed before he passed and as well the new York surrogates court is still taking a very long time to appoint myself and my mother as executors so that we can proceed to hopefully loan mod the home so my mother can stay there ( as she can not afford to move elsewhere and pay increased rent ). I have now gotten a foreclosure notice from ocwen ( since my mother has lost more than 50 % of her income and can not keep up with the mortgage payments without my fathers income ) - I have called ocwen SEVERAL times asking them to hold off on foreclosure or to work with my mother and myself on a loan mod ... .they refused and told me " its not their fault that my father died without giving authorization for ocwen to speak with me first ''. This type of treatment is a total outrage ... my father is DEAD and we are simply trying to make sure that my mother has a roof over her head, does n't have to sell off our memories, and do right be ocwen by working something out that she can afford. This type of treatment is totally unethical and I demand attention to this. We may not have letters of administration from the surrogates court for 2-6 months! how can we just let the home go into foreclosure if ocwen wont speak to us in the meantime?!?!?!?!!?!?!?!!?!?!?!!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

On XX/XX/2021 I contacted our mortgage servicer to request a loan modification as we are ending our forbearance after XXXX XXXX. I am still working with reduced hours. They are telling me that I can not be considered for a loan modification until we first choose the HUD partial claim. Then once we agree to the partial claim, we can then decide if we want to apply for the loan modification.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported on my report