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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was notified by XXXX and XXXX XXXX that a hard inquiry was made on my credit XX/XX/year> by Capital One. I did not apply for credit with Capital One. I reported this to XXXX, and they put a dispute on this inquiry. I also reached out to Capital One, and they closed the credit application.
Product: Mortgage

1. My credit bureaus account shows I am not a home owner with Peoples United Bank. 

2. I have a XXXX/HUD for {$50000.00} in my name attached to my home. I do qualify for forbearance moratorium. 
This loan is still active on my title as 2nd mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PUT XXXX EXTENDED FRAUD ALERTS ON MY XXXX ACCT, ALONG XXXX XXXX XXXX DIGIT SECURITY CODES. NO ONE EVER REQUEST THE CODES IN THE FIRST PLACE. IVE DISPUTED INCORRECT INFORMATION ON THE REPORT MULTIPLE TIMES, YET THE INFORMATION IS STILL SHOWING. AFTER SPEAKING TO CUSTOMER SERVICE, I WAS TOLD THE INQUIREES DIDNT MATTER B/C THEY WERE ONLYM SOFT INQUIREES! THEY ARE REGUALAR INQUIREES AS WELL AS ACCOUNTS THAT HAVE BEEN OPENED AND CHARGED WITHOUT MY KNOWLEDGE. I WAS TOLD BY SOCIAL Security, to be issued a new number, I would need all three bureaus to sign off saying the problem was irreparable. Its obviously irreparable because all I've been able to do since 2020 is dispute items that aren't mine on my credit. Regular inquiries, soft inquiries, ect... If I ever were to obtain any credit Im sure whomever is checking it on every other day basis thru XXXX XXXX XXXX XXXX XXXX would know long before I would and most surely open an account with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX {$3600.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX XXXX, XXXX Purchased in XXXX, XXXX, XX/XX/2023 The item was XXXXXXXX XXXX and came through my credit card as US {$500.00} I called the credit card company almost daily, and Ive given them all the document and evidence and witness statement I have, and they are not reversing the charge?
Product: Debt collection

They left a voicemail on my phone at XXXX on XX/XX/XXXX for my father. I no longer have any debts with any collectors. In this voicemail they said : we need the documents as soon as possible that we have sent out to you recently by mail for your student loans so we can see if you do qualify for the forgiveness program that was recently approved by the government call back if you have any questions or concerns at XXXX extension XXXX. I am not aware of any forgiveness programs. They have called and left me messages multiple times over the past few months and have tried other deceptive tactics ( like mumbling their name and objective for the call ).
Product: Mortgage

my wife and i left an Ernest money on XX/XX/20 with KB Homes to build a house. according to XXXX XXXX the Sr.Sales Manager of the loan company we have been approved on XX/XX/20. apparently loan company was trying to resolve the issue of me having another mortgage and i clearly signed a contingency form with them to sell my home prior to closing. finally on XX/XX/20 the loan company ( KBHS home Loans ) notify me about the status of the loan and carrying two mortgages in the same time. I just ask them what are you guys so concern about the second mortgage while i signed a contingency form. now a month and half passed my Ernest money which was a cashier check was never cashed out, their sales department which is the builder had no communication what so ever about the status of the loan. 
my wife and I decided not to do business with kbhomes due to lack of interest and care to sell us a home. 
Its interesting to let you know when i called and asked for my refund they gave me the same cashier check that i gave them. my check was never cashed at all. and they agreed to cancel the whole transaction without any argument. thats odd. it sounds like they know they made a mistake. 
i called and asked XXXX nicely to remove those inquiries because of their mis-communication with the builder and wasting my time. 
she just emailed me and said we cant. this is her info. 

XXXX XXXX Sr. Sales Manager XXXX Division NMLS # XXXX Office : XXXX E-Fax : ( XXXX ) XXXX XXXX Branch NMLS # XXXX KBHS Home Loans , LLC | NMLS #  XXXX | kbhshomeloans.com XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, TX XXXX KBHS Home Loans , LLC is an Equal Housing Lender
Product: Mortgage

My mortgage was sold to RoundPoint this summer. After the transfer, on my mortgage account online I noticed the property tax information looked incorrect ( incorrect bill amount due ).

I sent two emails to RoundPoint per their online instructions to fix these minor tax issues on XX/XX/XXXX and XX/XX/XXXX, with the correct 2023 bill amount due and if they required me to send them a copy of the bill. I never heard back from RoundPoint at all. I also filled out their contact form on two other occasions. Never heard back from anyone. 

Now when I look at my online account the property tax information is completely missing. Before it was there ( parcel number, due date, amount due, etc. ). Now everything is completely missing regarding property tax. This is not the issue with hazard insurance. So when I see this, I have zero confidence that my property tax is even recognized by RoundPoint. It's missing from their database. 

Now my property tax is within 30 days of the XX/XX/XXXX due date. I have the money sitting there in my escrow account that I paid to RoundPoint. It's my money, they are receiving interest on, and it's not being used to pay my property tax bill. 

I can not contact anyone at RoundPoint to pay my tax bill. I WILL NOT have my name on the county delinquent tax list. I pride myself in having great credit and paying all my financial bills on time. I will not not have RoundPoint ruin my perfect record because of their company incompetence.
Product: Debt collection

I never opened a account with capital one I have reached out multiple times explaining the issue and have yet to hear from them then I see that they upload a letter stating that the account was mine because of a address that they are claiming is linked to me but that not true what so ever that address is not linked to me nor is it on my credit report they are lying and falsifying documentation. I am in the process of talking with my lawyer and handling this matter in court
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my annual credit report from Equifax on XX/XX/XXXX. After asking several questions all of which the answer was " none of the above '' the website said " We are not able to deliver your free Equifax Annual Credit Report online. ". 

I then tried to use my.equifax.com service which was provided as the breach settlement. Attempts to login gave " We are temporarily unable to complete this request. ". 

I tried both of these again on XX/XX/XXXX with the same result. That inability does not appear temporary. 

Also because of the login failure I am unable to freeze or unfreeze my credit. 

I believe they are in violation of several rules by denying these online features.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a subscription with self lending. I have made all my payments on time however as of XX/XX/2021 its showing I missed a payment and that is false. i tried to contact them multiple times regrading the situation but Im having a very difficult time getting in touch with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still violating my FCRA rights and denying me access to my credit report ( see attached screenshot from today, XX/XX/21 ). They fictitiously claimed in my last CFPB complaint, which was closed in error for some reason, that they had " mailed me a copy of my report, '' which was a complete lie. I have attempted to file the previous complaints with the CFPB, which were all closed without logical reason. The prior cases were : XXXX, XXXX, XXXX. I am still being denied access to my credit report by Equifax, in violation of my FCRA rights. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer report and noticed that there are some Inaccurate alleged accounts being furnished on my consumer report. Because of the error I am being penalized greatly in extremely high interest rates when being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the Equifax data breach and my have got into the hands of the wrong person.
Product: Checking or savings account

On Sat. XXXX XXXX, I noticed that a check had been cashed in the amount of {$5500.00} against my checking account. The check that I wrote was paid to XXXX and the amount was for {$130.00}. The check had been dropped in a public mail box and was stolen. The check had been altered and paid to someone that I do not know. I usually check my checking account daily but I didn't check my account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bank on XXXX XXXX at approx. XXXX XXXX  to report it. I was told to file a police report and to also contact the XXXX XXXX. I did file reports with both. On XXXX XXXX, I received a letter from the bank stating that the check had not been altered, but even XXXX XXXX can see that it had been altered. On XXXX XXXX, when I contacted the bank, I was told that I would receive the money after XXXX - XXXX business days. XXXX XXXX, when I contacted the bank I was told that I would receive the money in XXXX - XXXX weeks. I filed a Declaration of Altered Endorsement, sent a copy of my check register, police report, XXXX XXXX  with the original amount owed. XX/XX/XXXX, I was told that I would get a provisional credit in XXXX XXXX XXXX days. XXXX XXXX, I received a letter stating that the bank was awaiting a response from the other bank where the check was cashed. XXXX XXXX, I was given a claim number. XXXX XXXX, I was told I would receive the money iXXXX XXXX XXXX XXXX weeks. XXXX XXXX, XX/XX/XXXX, I called the bank once a week. I was told that someone would contact me on XXXX, XXXX. I was going on XXXX  XXXX, XXXX - XXXX. This was supposed to be my XXXX  money, I had to dip in my savings again. No one contacted me on XXXX, XXXX, I went to the bank and still nothing. I have a serious problem when the bank doesn't do what they say they are going to do. I have to leave work early in order to go into the bank during the week because of my work hours or I have to wait until XXXX. I was told on XXXX XXXX that it would be resolved mid week the following week. I was contacted on XXXX XX/XX/XXXX, still nothing. I was contacted by the bank today, XX/XX/XXXX but still nothing. I have had it. I didn't do anything wrong, just tried to pay my XXXXXXXX XXXX Hopefully, I spoke to the tellers and all of the bank representatives kindly, but it is hard. You keep hearing I'm sorry, but I'm sorry doesn't pay the bills. My family vacation would have been ruined if I didn't have savings. It got to XXXX XXXX I said up front, please don't tell me you are sorry. That really hits XXXX XXXX  XXXX  It has been XXXX weeks and I am still waiting. I am past frustrated, I'm mad now. What is FDIC for? What does it mean?
Product: Checking or savings account

wells fargo bank located in XXXX XXXX az paid over to a man who STOLE MY ID FOM MY HOME XXXX onXX/XX/2018. The bank did not check his id or make an. They are responsible for what happened. I have been with this bank for over 70 years they have ALWAYS Called mea when thet suspected a suspicious check or whatever is being presented. They did NOT. This time I want them to reimburse me. I am a XXXX year old widow, i am XXXX and i need the money, my savings!!
Product: Debt collection

I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. 

When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Product: Student loan

I have consolidated my federal loans and they are handled by the FedLoan Servicing. I am in the Public Service Forgiveness Program where as long as I work for the government, I am required to make 120 qualifying payments towards my loan amount and the rest is forgiven. The key to the program is to have the qualifying payments which are counted by FedLoan Servicing retroactively once the payer shows that they are employed by a public service organization. Two years ago, in 2017 I had a case opened with FedLoan Servicing to look into whether the payments were calculated correctly for me. I had calculated more payments than what I was being told. FedLoans opened a case and said that they will look into the discrepancy. I would call every few months or so to follow up on the open case and each time I was told that it is being worked on. It has now been two years since the case was opened. Nothing has happened. In addition, FedLoan Servicing is not counting any payments I made since 2017 when the case was opened because they say that the case has to be resolved first, before any more payments are counted towards my program. FedLoan Servicing also told me that there is nothing else they can do to speed up the review of the opened case or even to close it because it is not handled by them directly. I would like for this issue to be resolved and for FedLoan Servicing to count my qualifying payments. I am afraid that this is a tactic and nothing will get resolved.
Product: Credit reporting or other personal consumer reports

*Disclaimer* I do not acknowledge ownership of this debt*! The account in question -- XXXX XXXX XXXX Account number XXXX reports a balance of {$3100.00} and is marked as a charge-off. However, this company is continually re-aging the account and adding FICTICIOUS payments. The most recent alleged payment is shown as occurring in XX/XX/XXXX, which is impossible as I have no access to or ability to make payments on this account. A simple investigation will reveal that this payment did not come from me and I highly doubt that the fraudster would come back years later and randomly make a payment. That only leaves one option, which is that the bank is re-aging the debt through inaccurate reporting. 

I request that this account be deleted from my credit report immediately as it has surpassed the 7-year mark from delinquency. The last actual activity on this account is reported as having taken place was XXXX. Therefore, it qualifies for removal. It is unfair and illegal for me to be penalized for over XXXX  years for an account that was opened nefariously in my name. 

I have been patient in waiting for this account to age off my report, and the practice of re-aging debt is both illegal and immoral. I urge the CFPB to take immediate action to ensure this account is removed from my credit report.
Product: Credit reporting or other personal consumer reports

After discovering negative and unauthorized information on my credit report -Accounts listed below-, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 

Accounts and address in question BELOW : XXXX ) XXXX XXXX XXXX - Amount {$3800.00} XXXX ) XXXX XXXX XXXX - Amount - XXXX XXXX. XXXX XXXX - Amount - XXXX XXXX. XXXX XXXX XXXX - {$670.00} INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX  Ca, XXXX
Product: Debt collection

1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code. 
6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit Shellpoint Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.
Product: Debt collection

Speedy Cash XXXX XXXX XXXX XXXX {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.