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

This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX US DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOEXXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00}
Product: Mortgage

Corona put us both out of work we lost income due to corona have since started working again for less money. Forebearance has saved us but now were really far behind predatory lender kept telling us not to make payments theyll re modify the loan and add the difference to the end of the loan now they saying otherwise.Theyre adding late payments to my credit profile and adding late fees to the loan which has now gown up {$29000.00} in balance since the forebeance and coroan has started please help me
Product: Checking or savings account

Money was taking out my account when I didnt know where it was taking from
Product: Credit reporting

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bankruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Product: Debt collection

I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX during the years of XXXX. The loans would eventually be consolidated by Department of Education for the program they had. I was advised that even though there was a consolidation the federal loan forgiveness for XXXX  students still apply. The issue is that when the account appears on my credit its not showing XXXX it just shows an amount and Dept of Education. My fear is that it will be excluded from the federal forgiveness this school qualifies for.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX you responded to my last complaint and stated that two XXXX XXXX accounts XXXX, XXXX and XXXX XXXX account XXXX had been deleted per my complaint on XX/XX/XXXX but as of XXXX XXXX I still show these accounts reporting. Please DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am a victim of an XXXX data breech and my personal information has been effected, this includes my name, XXXX, and date of birth. Accounts were opened in my name by a theft and due to identity theft the listed accounts must be blocked according to 15 US 1681c-2 ( a ). Please confirm once these accounts have been removed and send written correspondence to my home adress listed. The accounts are as follows, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block from my credit report, these are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Mid America Mortgage finally accomplished a new loan modification agreement which we signed at the end of XX/XX/XXXX. This took almost an entire year due to issues that they had with prior servicing company which ended with the other company barely giving notice and dumping all of the loans onto Mid America when they were not equipped to handle the load. Unfortunately for us, our loan was in the middle of a modification to our original loan. There were errors in the modification terms and Mid America sent them via messenger along with rest of modification. We chose not to sign that day due to questions about the price of modified loan. I followed up with XXXX XXXX literally I emailed him almost daily and I could not get a response. 6 months later after speaking with many people that work in different departments, I finally talked with someone who actually listened to what I was pleading. We did not refuse to sign and that was their reasoning for moving forward with foreclosure, they agreed to give us another modification which was signed in XXXX XXXX our XXXX payment was due in XX/XX/XXXX & I checked my account login and I was not able to access my online account & also be able to pay my bill there electronically. I began trying to reach them by phone and the hold times were & are extremely long. After several attempts, I decided to go ahead and mail the payment overnight to the P.O.Box, to get there on time.In XXXX, I sent several emails requesting that my password be reset as instructed and also requesting the loan modification dept to call me. I finally received a call and set up payment and during the time we spoke and the time they were to deposit the payment, my checking acct was compromised. I had to close account and I could not get through to them to ask them not to run check through that bank acct. this was urgent. I went to the bill pay tool on my new bank account and set up reoccurring payments in XXXX XXXX and they sent the new check. A couple of days later, I received a phone call from a female rep and she asked me what was happening and I explained all of the trouble I was having to get through to get my payments to them so she said she reset password link and ended call. I tried immediately to set the new password and it did not work. I tried to call back but didn't have time to hold. Then on XX/XX/XXXX I rcvd a call from XXXX. He worked on the loan mod and was familiar with our file. I gave him the XXXX # XXXX from the payment the bank sent and he asked me to cancel the one for month of XXXX and he would set it up to pay on his end. He gave me his confirmation # XXXX for {$2100.00}. Neither one of these payments has been presented against our bank account for payment and I am afraid that they are doing something to make us lose our home because they have made it so difficult just to make our loan payment.
Product: Mortgage

I have a mortgage with Chase Bank. The mortgage was sold to Chase in XXXX however I've had the home since XXXX. I've never made a late payment on this account. In XX/XX/XXXX, Chase reported a 30 day late on my account. I reached out to the bank regarding the late and provided information on the payment date. The account was paid on time on my side but for some reason the processing was delayed on the bank side. The Chase representative simply told me that once they report items as 30 days late they don't have a way of removing them from credit reporting. My credit score has taken a significant hit due to this false reporting on behalf of Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management Inc is trying to collect a debt that they can not validate as mine. They refuse to provide name of the original creditor etc and are reporting the account as open when it is closed meaning inaccurate information to XXXX and XXXX. The credit amount owed is incorrect and has not been validated. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Product: Checking or savings account

XXXX XXXX and his contact email is XXXX we have a appointment for today and for tomorrow but he called me saying he just did some keep research saying he cant help us or open a account for my mom because the bank terminated my banking relationship and end it to and my mom too but that is a lie because my mom never have a bank account open with yall only just me and I told the manager that the only agents say my mom still can open a bank account but I cant but he say she cant but didnt want to believe me because she is on list and I am on a list that cant open a new account there but she didnt have a account there only just me so I need yall to investigate this issue if this is true and remove her name on what ever list he is talking about she should not be on a list and remove my name off the list because my name should not be on the list yall end my relationship for no reason and terminated me for no reason over a dispute claim I was trying to get help the first time and allow me and my mom to open a account or just my mom to open a account or allow her to add me under her account and allow us both to get a debit card because we received XXXX and she is my payee and we both get our checks to XXXX account and I need yall to contact him to tell him that she is allowed to open a account and I am allow to open a account and she is also allow to add me under her account if I dont want to open a account and make him help us and investigate him and punishment him for this issue and make him provide a apology letter for this complaint against him etc our XXXX is XXXX and her ssn is XXXX XXXXXXXX XXXX name is XXXX XXXX and XXXX XXXX And he also told me the other agents words was a mistake XXXX
Product: Credit reporting or other personal consumer reports

Experian notified me yet again with another LIE by tell me disputes are ready to view on line, LIE LIE LIE LIE LIE LIE LIE LIE LIE as you can see thats not true and more deceptive practices b this FRAUDULENT CROOKED COMPANY
Product: Money transfer, virtual currency, or money service

I sent {$20.00} XXXX coins through base Network to XXXX from coinbase it never posted or said anything to XXXX that it was there no notification at all coinbase says that it went to the XXXX XXXX and that it was received in my XXXX account I have no money in my XXXX account every time I kept asking this coinbase about where is they said well it went through it it's there and I'm like no it's not there and they would not hear it I called XXXX first they said no it's not here that coinbase told me to check with them and make sure that they take the base Network they do so where's my funds I double check the XXXX address twice to make sure it went to the right address but no funds in my pay
Product: Checking or savings account

On XX/XX/17 thru XX/XX/17 there was more than {$1100.00} in unauthorized atm withdrawals/debit charges to my account. My immedialty went to the bank disputed the charges explaining my safe was stolen out of my hotel room by individuals that I know. The wife called the hotel pretended to be me adding her husband to my reservation without verifying bcc it was done via phone. I went out for the night to celebrate my bday, when I came back I noticed my safe was empty. I was traveling at the time so the only place for me to keep something valuable would my safe. Santander bank is the only bank I know of that sends a debit/credit card in the mail. a seperate envelope that has a PIN number inside for th debit card. Which was how my PIN number was revealed. The couple was not on my reservation, I never gave my pin to debit but card to anyone ever. Since XX/XX/2017 Ive filed a claim about these charges numerous times. The bank refuses to credit me. I provided a police report etc. I called the FDIC for help because I dont understand how Im not entitled to the money that was stolen. They referred me to you. So Im hoping you can help. Im attaching affidavits, list of unauthorized charges and letters from the bank regarding there decision.
Product: Credit card or prepaid card

To whom it may concern, I received a notification from my credit monitoring service that I had a negative account reflecting on my credit report. So after I inquired further, I noticed this account from State Farm Bank. I never opened nor applied for this account. I contacted the Bank  and the credit bureau 's and neither of them wanted to help assist me with this issue. I filled the necessary police report and FTC report with the credit bureau 's and still nothing changed, so now I'm seeking your assistance.
Product: Student loan

my student loans were paid off consolidated but I keep having a bunch of old negative accounts on my file. I want these accounts removed
Product: Mortgage

I was bullied at closing due to no information on XXXX  fee until closing. It was an extra {$250.00}, when I barely was able to obtain a mortgage. 

Due to the XXXX fees going up an extra {$50.00} and my mortgage going up {$300.00} dollars over night, I needed the account reviewed. I uncovered a can of worms. 

The title search on my property was done prior to my purchase. The title was presumed to be free and clear before it could be transferred to me, as owner. XXXX years into my mortgage, my XXXX XXXX XXXX presents a Master Deed before me in court. That Master Deed is a lien over the entire complex including the condo I thought I was purchasing. The Master Deed was not presented at the closing table, nor was i instructed that there was in fact a lien on this property dating back to 1985. Navy Federal Credit Union cleared this title search. When questioned about the Master Deed and lien, XXXX from Navy Federal Branch XXXX XXXX XXXX # XXXX, XXXX, South Carolina, XXXX, said " they knew about the Master Deed and that I signed the contract so there was nothing I could do. '' I was instructed to contact my title insurance company by Navy Federal Credit Union. 

I also requested that Navy Federal open my brokerage account in order to redeem securities sent to me by them. I was denied, when their duty is to redeem any coupons they send out. 

Navy Federal instructs me to pay the same amount they send me in securities every month. When I ask what do with the remittance coupon, I get no response. 

Its almost criminal to send someone unredeemable coupons. 

It is criminal to intentional deceive a consumer. 

It is criminal to steal someone's credit. 

There was more but I do not want to overwhelm the process.
Product: Credit reporting or other personal consumer reports

Equifax refused to investigate the following inquiries for proof of permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied with an agent from American Express for a Gold card that promised XXXX rewards points if {$2000.00} is spent within 3 months of card activation. Now that I have card, I called American Express and was told since I had a gold card in the past, I was Not able to get the rewards incentive ever again. This WAS NOT told to me by the agent as I applied. It was originally offered through XXXX during checkout, and XXXX also backed off on their promise of a free year of Premier membership. I received the card in mid XX/XX/2016. AMEX promised to look into it, but it has been many weeks. If they do decide to honor their offer, I have only a few weeks to spend the {$800.00} needed to qualify for the " potential '' rewards. I am not using that card because I have better rewards using my XXXX cards : ) Can you contact AMEX on my behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my credit score with SageStream was around 400 which was odd because my credit score with the top 3 is over 800. I submitted an inquiry and credit report request per their website instructions and 3 months later I get a letter stating that my credit score is XXXX  BUT there is no credit report. 

This all seems very suspicious to me so I am reluctant to ask for it again given the information they collect. 

I am not sure how some unknown credit agency has the right to report my score less than half of the big 3!!!! I think it is a scam and it will hurt people if they have to rely on bad information when requesting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 60 day late payments on an account with Bank of America on my XXXX report and a 30 days late payment on an account with Bank of America on my XXXX report but I was never late. Consumer Reporting Agencies has assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX Bank of America XXXX Please investigate and provide proof with statements showing that these payments were late. If Proof cant be provided, I demand this account be removed from my consumer report as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX