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

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1.  XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS > XXXX XXXX XXXX XXXX | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ XXXX
Product: Credit card

Upon reviewing my credit report, I noticed an unauthorized account from XXXX XXXX and charges on said account. I notified them this account was created without my consent. I also filed a fraud report, showing this theft had been reported. They continued to publish inaccurate information on my credit profile, with all three credit reporting agencies after giving them documentation. They closed the account and left it on my credit report. It was never my account and needs to be removed as it is affecting my overall ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping Transunion down 52pts and XXXX down 41pts along with XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/2018 an unauthorized transaction took place, my account was debited XXXX by Portfolio Recovery. Prior to this transaction I made an payment of XXXX on XX/XX/2018, during  this call I was asked by the CSR did I want my next payment automatically debited I replied no I would call in for my next payment, but low and behold they went into my account and took the payment unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated communication with TransUnion on multiple occasions regarding various accounts and discrepancies that are not relevant to my profile. Regrettably, TransUnion has amalgamated my credit bureau account with that of my son, XXXX XXXX XXXX. This conflation encompasses his social security number, auto loan, and student loans. I earnestly request that an inquiry be promptly conducted into this matter to effectuate the necessary rectifications.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the removal of any incorrect accounts from my credit report. Would you check the documents, please? There are inaccuracies in the listed accounts, such as incorrect amounts and dates.
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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) XXXX and TransUnion 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

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: Money transfer, virtual currency, or money service

This incident occurred today XX/XX/XXXX been roughly XXXX to XXXX XXXX. I was talking to someone on XXXX and we exchanged photos and he was asked for my number to take it to text. He eventually texted me sending multiple threats about exposing me and threatening to send my photos to my family and too post it all over the Internet. I sent the individual who went by XXXX XXXX separate payments the first was over XXXX through the Chase app. For {$300.00} and then an additional {$200.00} then he requested more with more threats so I sent him 2 {$100.00} payments through XXXX XXXX. So a full total of {$700.00}. He continued with the threats and my colleague overheard a lot of what was going on. After hanging up and not answering he has since stopped. When I called Chase customer service they said they will file a claim but they couldnt and wont do anything about it. I called multiple times hoping someone could help but they didnt I was completely scammed and terrified. I asked to escalate the situation but they didnt.
Product: Checking or savings account

I was told 2 different bits of information today in regards to 2 involuntary offsets in my accounts, 1 for {$150.00} in my checking and one for {$170.00} in my savings. Huntington says that there were 4 accounts in my name, and I have only ever had my 2 current accounts, and one other account. The customer service rep from financial services advised that they had charged these accounts off, and a lawyer in my family advised that it is illegal to offset an account once it has been charged off. When I called back the 2nd time, I was told the account had been charged off to huntington themselves, and that they had bought it back from themselves. ( yes I know that is strange!! ). I have payments that I have already set up coming out of the account and the need to put the money back. NO ONE ever contacted me from Huntington in regards to any account other than the one that I have already paid off. I am not certain this is not some sort of identity theft, and we would have no way to see, since they failed to even attempt to make sure I had open these accounts they are speaking off. 2 customer service reps did not assist me in any way, and I have been waiting on a supervisor to call me back before the end of the day, and that hasn't happened either. I would like them to PROVE they attempted to contact me in regards to this, they obviously have my phone and address and have sent ZERO notification that this would be taking place. If someone opened an account in my name, would I have any other way of being notified? Especially if there was other contact info used to set the account up. Huntington Bank needs to be held accountable for not banking inside the standards set up by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 and previously, letter to XXXX and Transunion was mailed. I informed them that I had previously disputed Chapter XXXX Bankruptcy/XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.
Product: Credit reporting or other personal consumer reports

I have read and Im in disagreement with the outcome of your investigation into these illegal accounts as they are ingenious to my ability to obtain credit please reinvestigate these accounts and provide me with the names and addresses of the individuals who validated these accounts send me a copy of my consumer report after the investigation
Product: Credit reporting or other personal consumer reports

To the Officer in Charge, I am writing to provide additional information and an update regarding my previously filed police report ( Incident # : XXXX ) from XX/XX/XXXX. Upon further review and having now secured complete access to all three major credit bureaus, I have identified additional unauthorized financial activity that was not included in the initial report due to the aforementioned limited access. 

On XX/XX/XXXX, while preparing for a prospective home purchase, I conducted a thorough check of my credit report. It was during this check that I first became aware of the fraudulent accounts. The original police report lists some of these accounts. However, I have since discovered XXXX more accounts and a credit inquiry, as detailed below : GM Financial Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$21000.00} XXXX XXXX XXXX Account : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$19000.00} Additionally, there was a hard inquiry that I did not authorize, which may be connected to this fraudulent activity and is from XXXX. I suspect that my personal information may have been compromised as a result of the XXXX XXXX XXXX XXXX, an incident in which my details were confirmed to have been exposed. There is a possibility that this exposure has led to my information being accessible on the dark web, which may have facilitated this fraudulent activity on my credit report. 

I would like to request that this new information be formally added to the existing report to ensure that all fraudulent activities are thoroughly investigated. Furthermore, I am taking all necessary steps to dispute these accounts with the credit bureaus and have placed fraud alerts on my credit files. 

Thank you for your attention to this urgent matter.
Product: Checking or savings account

Response of the Citizen 's bank to my previous complaint was nothing short of intentional harassment and abuse of a senior citizen.
Product: Mortgage

Loandepot.com gave us a loan to buy a new home yay!! Then they promptly shared our information with many other lenders. These lenders " XXXX XXXX '' notice number XXXX are misrepresenting themselves as the VA. Stating I should call the my VA rep at their number. The person answering the phone stated they are not a VA rep. I have received numerous letters all stating similar things. Get your escrow back? At the bottom in tiny print it states it is a refinance option. I have called them to remove my information many times and it still persists. I OPTED out and am being constantly harassed.
Product: Debt collection

I sent numerous letters to have this company to be removed. 

Original amount : {$530.00} Alleged past due : XXXX Theyve been hurting my credit report. As of now and then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an entry on my credit report with XXXX that claimed a collection report by XXXX XXXX XXXX XXXX owed to XXXX Colleges in the amount of {$130.00}. The date opened was XXXX/XXXX/XXXX. This does not make any sense since I have never owed XXXX XXXX any money and even if I did, no attempt was made to collect in the first place. 

I disputed this with XXXX but they would not remove it. XXXX XXXX is of no help since they will not even talk to me. I feel that based on the history of XXXX and the fact they are unresponsive to this fraudulent claim, this item needs to be removed from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX ago. 2023 XXXX XXXX XXXX XXXX XXXX. 2023
Product: Mortgage

I have mortgage with Ocwen Loan servicing LLC # XXXX. Ocwen claims that I am behind payment by more than one year. However, I have always sent my mortgage payment. I have asked them several time to send me statement of account mentioning what payments they have received and what payments are missing. They do not send that and demand that I pay the whole amount
Product: Credit card or prepaid card

XX/XX/XXXX I purchase tires for my XXXXXXXX XXXX at XXXX XXXX at XXXX XXXX Maryland the manager said the tires would be there that afternoon I didn't get a call or the next day so I decided to go there that Saturday morning. The manager said my tires arrived. I needed those tires because I was going out of town for XXXX XXXX. I told him to credit my synchrony card and he said no I had to call the district manager which I did never got answer nothing but a recording. I called corporate several times and they wouldn't credit my card so I talked to synchrony and the same problem. So I told XXXX the manager to credit my synchrony card which he agreed and I used my XXXX  my synchrony card is still showing a balance of XXXX. I called synchrony and explain what I did and to fax the two receipts which they received and still no credit on my card. The reason for switching my credit card is because I found out that synchrony has numerous of fraud suits against them.
Product: Debt collection

XXXX XXXX is attempting to collect on a debt not owed. 

This alleged debt has been purchased by this collection agency. The account is frivolous. The original creditor XXXX this bogus debt. 

Per FCRA I have requested proof of debt, signature on an original contract, etc
Product: Mortgage

In XX/XX/XXXX, I was laid off from my job due to the company closing. I immediately attempted to find a new job and had difficulty in doing so. I continued making regular mortgage payments using my severance and unemployment. In XXXX of XXXX the Covid pandemic hit, therefore making it even more difficult in gaining employment. My loan was currently being serviced by XXXX XXXX. I contacted them in XX/XX/XXXX explaining the hardship I was enduring and they placed me on a Forbearance. On XX/XX/XXXX, I gained regular employment again. In XXXX, after receiving my 1st paycheck, I applied for Loss Mitigation assistance stating I had regained employment and was able to make my payments again, but needed assistance in bringing my loan current. In XXXX, XXXX responded with " Congratulations, you have been approved for a loan modification. you just need to make 3 trial payments for XXXX, XXXX and XXXX. '' They said they would be sending me the trial plan, to which I still to date have not received, after numerous requests. I made the 2 trial payments - XXXX, XXXX and XXXX XXXX then transferred my loan to LoanCare for subservicing on XX/XX/XXXX. I called LoanCare in XXXX and they told me they did not have all my documents, but could see I was in Loss Mitigation. I explained I had submitted all the trial payments and again requested the documentation be sent to me regarding all Loss Mit on my account. The lady I spoke with told me to keep sending my trial payment, so I continued to make my payments at the trial amount. In XXXX, I contacted LoanCare again to ask what was going on with my Loan Mod, again I was told they had not received all the documents from XXXX and therefore could not proceed forward. I was told it took 60 days to obtain all documents once a loan was transferred and to continue to make my trial payment. I did continue to make my trial payment. On XXXX, I contacted LoanCare again, to which the customer service basically told me I was denied, they were reporting delinquency to the Credit Bureau and that if I wanted any mod, I would need to start the process all over. They returned the payment I had just made on XX/XX/XXXX and she stated I didn't satisfactorily complete my trial. I have filled out and started the process all over again to ensure I avoid foreclosure. I would like for my credit reporting to be corrected as I should have never been denied in the first place. I would like for my account to be re-reviewed and the original loan mod that was to have taken place to begin in XX/XX/XXXX to be reinstated. A customer should not have to suffer due to lack of efficiencies from one company to another on a servicing transfer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Company Sold Open account XX/XX/XXXX XXXX XXXX {$240.00} XXXX XXXX, XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When we purchased the car, we set up payments through XXXX XXXX. XXXX XXXX would receive the money and then pay XXXX XXXX. In XXXX, we received a note from XXXX that the payment was late. We checked the banking statement and XXXX had received the money to make the payment. We called XXXX XXXX and the representative informed us that they did receive the payment, but there was a system error and XXXX hadn't been paid. We were then informed to make our XXXX payment directly to XXXX. The representative drafted and sent us a note explaining the error and they sent the same letter to XXXX. However, the late payment was still reported on my credit. I have called XXXX several times explaining the situation and have faxed them the letter from XXXX explaining what happened. In addition, I have filed several disputes in which I attached the letter and explained what happened. However, each time XXXX has denied to remove the error from my credit report. The account is now paid and closed as I moved the loan to another company.
Product: Payday loan, title loan, or personal loan

I contacted HFS Financial after a Internet Search, '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX .I completed the On-Line Application.And I spoke to a XXXX XXXX XXXX.After checking XXXX XXXX XXXX, XXXX XXXX informed by XXXX  that I was Pre-approved for $ XXXX was told to upload a list of documents to the Portal.The Portal never allowed the documents to be uploaded.I made several calls to XXXX XXXX XXXX XXXX XXXXoan Processor ) XXXX XXXX stated that She would have XXXX look into the problem.I was informed by XXXX  that they have never encountered the problem.And therefore they did not know how to fix the problem.She then suggested that I forward all requested information to her by XXXX was re-assured that all information was secured since HFS was a Financial Institution.I later XXXX a email stating that my Birthdate and Address were listed differently on my XXXX Credit Report.I contacted Equifax.And both were corrected.I contacted HFS Financial and spoke to XXXX XXXX XXXX XXXX stated that he would XXXX XXXX a link to re-apply.The link that was forward would not allow me to re-apply.Multiple calls were made to XXXX.He did not respond.It appeared that my Cell Phone was blocked.When I finally reached him on a landline.XXXX  stated that I should look for alternative financing for my XXXX XXXX XXXXSince submitting my information to HFS Financial, I have been notified by the Credit Bureau of numerous attempts by unauthorized individuals to apply for XXXX using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.