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

I am writing to formally notify you that I have been the victim of identity theft and data breach. 
As a result, there are fraudulent accounts and inquiries appearing on my credit report. I am requesting that all of the accounts and inquiries listed below be blocked and deleted from my credit file as provided by 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). 
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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.
Product: Debt collection

Something showed on my credit report that has to be a mistake. XXXX XXXX XXXX says I owe money but I have n't been to the doctors in years. Why would something just no come up? My name is common so they may have me mixed up with someone with my same name. This has to be wrong.Please help me
Product: Debt collection

Ive gotten at least 1 phone call a day roughly for about the past week or so, despite my number being registered with the do not contact list. I heavily suspect this number is a scam as Ive XXXX it and most people report it as a scam. Ive gotten both robo calls and real people leaving me messages. The woman leaving the messages never asks for a specific name nor does she express what the debt is even for. The only debt that I have is for a car loan which I pay every 2 weeks to a credit union. The woman says she is from national enterprise systems but again the number thats calling is not attached to them anywhere online and most report it as a scam. Ive never talked to her directly and would like them to stop contacting me. Again since last Wednesday theyve called me every single day sometimes more than once in a day. XXXX ( XXXX ) XXXX unknown this is the number thats been calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently a copy of my credit report and was shocked to learn that, I have been a victim of identity theft. I found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Previously in XXXX TeleCheck reported that I owed checks to XXXX XXXX, and XXXX XXXX. I advised TeleCheck several month 's ago that I was a victim of identity fraud. These checks were stolen and the entire check-book was stolen. They continue to report these transactions as debt owed tied to my information. They forwarded these collection notices to TRS, Who Confirmed XXXX XXXX and sent it back to telecheck informing of such. I sent a Identity Theft Affidavit, a Police Report and information about the stolen checks. TeleCheck Proceeded to continue to collect on these items. They are listed under debt owed. It says Forgery but telecheck seems to think I still owe these items. I do not. I did not sign for these checks, and I did not authorize any purchases with XXXX, XXXX XXXX nor XXXX XXXX. TeleCheck was already informed of this and sent a letter from TRS Which confirms Forgery/ Identity Theft. However TeleCheck continues to report the Inquiries on my report, and they continue to report these checks as Forgery but debt owed. These should be not linked to my profile as these were not my accounts these were written from this is identity fraud, I am the Victim not the Thief. I have already contacted Law Enforcement and TRS Stopped all collection activity and removed it from my profile immediately, They also notified TeleCheck but however TeleCheck refuses to do anything about it and continues to report these against me. I have listed these transactions and inquiries below, and I want immediate Remediation as I have also attached the letter from TRS, The Police Report and Already disputed these under identity theft on TeleCheck Website. TeleCheck has no right to list something as debt owed that is identity theft and forgery. Fraudulent Transactions that are confirmed Fraud by their collection agency should not be collectable. These are fraudulent conduct on my account with TeleCheck and Telecheck is reporting false information about me to XXXX and XXXX XXXX stating that I write bad checks and I don't. I never visited these institutions before, and I did not consent to authorize those transactions. I have never owned any accounts listed either. 
XX/XX/XXXX - XXXX XXXX # XXXX {$49.00} looks like bank acct ending in XXXX XX/XX/XXXX XXXX XXXX # XXXX {$49.00} Looks like Bank acct Ending in XXXX XX/XX/XXXX XXXX XXXX # XXXX {$49.00} Looks like bank account ending in XXXX XX/XX/XXXX XXXX XXXX  # XXXX {$49.00} Looks like Bank Acct ending XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  # XXXX {$100.00} XXXX XXXX Acct not authorized. 
XX/XX/XXXX XXXX XXXX Check # XXXX {$100.00} XXXX XXXX Acct not authorized. 
Inquiries XX/XX/XXXXXXXX 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: Credit reporting or other personal consumer reports

Contacted on XX/XX/XXXX at XXXX am XXXX from phone # XXXX XXXX. 

Person identified themselves as from Experian. Called to ask if I tried to open a XXXX card in Michigan around XXXX on XX/XX/XXXX. He had my correct name, address and social security number, knew about my credit cards and how much money was owed to chase. I did not confirm or deny any data he shared with me. ... BUT when asked for the last 4 digits of the credit card not used or the last 4 on the XXXX card he did not wish to answer though he already shared by name, AS #, address and DOB. When I asked him to repeat why exactly he was calling me, he hung up. Phone # called from was XXXX XXXX XXXX XXXX. 

I believe rhis was a phish but after my information was already sold to someone. It was data only obtainable from a bank, credit report or loan app. I have not shared any info to anyone outside of my car loan ( XX/XX/XXXX ) and my personal bank loan ( XX/XX/XXXX ) Male had an Indian accent. Very heavy. 

Tried to contact Experian but neither their website or their automated phone allowed for chats or reporting a breach like this nor could I confirm the company called me. Customer device was not available. 

Concerning is all the data this person has from my name, address, dob, and SS # as well as credit info. But they did not know my entire cc numbers.
Product: Credit reporting or other personal consumer reports

Village Capital has continually given wrong information regarding a late payment. I was on a payment plan so I wouldnt have a late payment on my account. I sold my camper and made both XXXX and XXXX payments on the XXXX of XXXX. They claim I was late in XXXX. The XXXX payment was a part of the payment agreement. I also have until the XXXX of the month as a grace period. So in all honesty, there shouldnt be a late payment on my account.
Product: Checking or savings account

XXXX  XXXX  dose not allow a beneficiary to be setup unless a SSN # is provided. I wanted to set my beneficiary up to a charity but XXXX  XXXX  said this is not possible when I called. I feel it is borderline illegal for them to limit my account in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I or someone else checks my Equifax credit report, my XXXX XXXX mortgage payment status has the wrong information from XX/XX/XXXX through XX/XX/XXXX. The amounts that they say XXXX XXXX reported to them has the actual Past Due is doubled. This is not the case with the other credit agencies nor are what was actually being reported at the time. I have tried to file an Equifax Dispute but the information they have there is correct from what was reported therefore, I can not fill the Equifax Dispute online. When I call the Equifax Dispute Center to help me, they do not know what to do leaving me with no recourse. What they are miss reporting is lowering my Equifax credit score and holding up using my good credit. I would like the information to be what XXXX XXXX has reported to them found on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my Capital One Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with Capital One Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted capital One again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX   bank account onXXXX and the capital one credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from capital one showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their Capital One Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with capital one and 2x already with XXXX, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost 100pts. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach in attachments
Product: Debt collection

I received a text message to my cell phone from a company called CACi saying that they are a debt collector. They want me to reply to receive my account information which I don't want to do in case it's a scammer. I think that if a debt collector is using a method of texting people instead of sending letters or calling them, they may be in violation of the FDCPA as it's harassing.
Product: Money transfer, virtual currency, or money service

The Zelle disclaimer stating adviseing you to confirm you knew the recipient
Product: Credit reporting or other personal consumer reports

Bankruptcy appears on my public records with errors this happened over XXXX years now and companies have not validated dates and accuracy
Product: Debt collection

They say I owe money but I bought there credit protection which was suppose to take care of the whole amount because I was out sick for awhile. Then all of a suddent they keep calling me, threatening me, using bad language. I have kids and they are hearing some of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/year> my auto bill pay was sent from my checkin account to MOHELA loan servicing in the amount of {$320.00}, on XX/XX/year> I noticed on the MOHELA website only {$65.00} was received and applied to my loans. When I called to request information on the remainder of my loan payment I was placed on hold for XXXX hours and spoke to XXXX representatives whom could not help me. I believe my payments have been misplaced and am worried that this is going to result in my interest accruing on a larger amount of principal than it should be since my payment was not applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking that this company to seize its illegal activities. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. I have no contract with ( XXXX XXXX XXXX ) this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I been requesting an update and correction of inaccurate personal information on my credit report from EXPERIAN ( Name, address ), Upon reviewing my credit report, I am still noticing several discrepancies regarding my personal details that need immediate correction. Since XX/XX/year>, I have sent letters and called Experian regarding an alleged address that is listed on my credit file, I just want to know why? I provided them all documents showing that the alleged address is not mine SOMEONE NEED TO DO THEY JOB because it's been more than 30 DAYS, per 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure MAXIMUM possible accuracy of the information contained in consumer reports. If you find that the information can not be verified, 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) mandates that you DELETE the information from my credit report. I have attached 2 FTC reports regarding this matters
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including by not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681eWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please investigate and provide proof the consumer reporting agency was in compliance with this matter. 
Please delete from my report, from this agency, for violating compliance procedures. 
Thank you for handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both XXXX and Trans Union. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.
Product: Checking or savings account

As per my earlier complaints to you CASE XXXX Citibank USA finally sent the check for {$8500.00} they wrongfully took out of my checking account. This problem with Citibank USA was fully documented in earlier complaints to you. When I finally received the check for {$8500.00} thanks to your help I deposited it into my XXXX bank account with First Direct part of XXXX on the XXXX of XXXX. Today I received a letter ( attached ) from XXXX with a copy of the check saying that Citibank USA stopped the payment on the check and they could not deposit it into my account. This is after waiting since XX/XX/XXXX for Citibank to correct all the mistakes they made. I have sent a letter to the CEO of Citibank again ( attached ) because I have no idea what cause they would have to stop payment on the check and not even notify me. This is yet another outrage. I am reluctant to call Citibank because my experience calling them over the past two months has been totally negative. No one ever helps me and I have now spent XXXX calling them to try to resolve the situation. After taking so long to give me MY money why would they do this? I hope you can help get this resolved. According to Citibank USA my case is closed. I say it is not as I have not received my {$8500.00} back. As per my earlier complaint to you yesterday, I also wantinterest and compensation. But even more critical is that I am given MY money. Please help.
Product: Debt collection

I need XXXX XXXX and Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX  XXXX in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXs five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXX XXXX   with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXXuntil it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX  and the receptionist of the XXXX at XXXX XXXX XXXX XXXXs. XX/XX/XXXX- After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XXXX, then XXXX  along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XXXX. This company is reporting a debt on my credit report that another company has. The other company, XXXX XXXX could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX  remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX XXXX  in XX/XX/XXXX. The XXXX of XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XXXX  Attorney General XXXX XXXX.
Product: Debt collection

This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.