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

XX/XX/2024 someone took over my cell phone # and got all my information and applied for 2 credit cards 1 ) XXXX XXXX XXXX ) Syncronity Bank Paypal I realized someone had taken over m y identity within XXXX hours of it happening. 
I contacted both creiditors on XX/XX/2024 I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from XXXX credit report. The inquiries are still showing on XXXX XXXX and XXXX. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Product: Credit reporting or other personal consumer reports

My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to resolve this matter and was unsuccessful in getting them to remove it. I explained to the credit report agent my identity was stolen and I was never authorized for store credit or credit card application. I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. According to the FCRA, my credit report must be accurate and I didn't apply, authorize, or consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from XXXX XXXX, XXXX, and Equifax Must Be removed and deleted immediately as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be deleted for all inquiries submitted by the hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Rc/ Resurgent Receivable is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Rc/ Resurgent Receivable should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Product: Debt collection

I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts : XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a letter from Equifax stating they are unable to verify my identity to remove incorrect information, I submitted on XX/XX/XXXX and XX/XX/XXXX via certified mail. Equifax still stating they have not received a copy of my id, ssn, and proof of address. I have sent that several times and they keep telling me they never received it. I am disputing the bankruptcies that are on my report. Their 3rd party verification department which is XXXX deleted the items off my report due to unable to verify. I sent Equifax the same paperwork so they can remove it off so i can finally purchase my home. It has yet to be removed and i have been dealing with this since XXXX. I need that information off my report due to as your laws they can not report incorrect information and it is still being reported. This is against the law. Credit bureaus get paid to report so that is why they keep giving me the run around so they can still get paid to report it but it's not accurate. I have proof that it is not accurate and it has been removed by all furnishers except for Equifax. Please have them remove these items or i will be taking them to court, and I will win. How does the company that they go to for verification remove the items and they don't this is insane and im tired of spending money to mail over this information just for them to keep telling me we need to verify your identity. Just remove it XXXX XXXX it should not take this long. This is stopping my future
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX CARD XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

HIGHEST BALANCE {$170.00} CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/2024 ORIGINAL CREDITOR XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to try and resolve unauthorized inquires on my credit. I have reached out to transunion again as well as the credit companies. What are my next steps before I file a lawsuit against every party involved? for example XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this information provided by transunion is incorrect. That number is for pest control. 
Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this company can not verify any of my information to date!! 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Can Transunion provide proof of verification that they have from these companies, since the companies are refusing to provide it? I also filed a complaint with the FTC. My next steps would be me and my attorney
Product: Debt collection

Please, please please make all the credit agencies PROVE that the debt they are attempting to have reported on a consumer 's account is good debt w/in the statue of limitations BEFORE the credit companies put the info on a consumer 's report and downgrade the credit rating. Innocent until proven guilty. My Experian account reported that my credit score went down b/c of new information reported by XXXX XXXX XXXX Acct XXXX who CLAIMS I owe {$98.00} to XXXX. XXXX bought this debt they are attempting to collect from me. XXXX reported that it was current as of XX/XX/XXXX and shows little x marks next the past XXXX months on some bogus report they misrepresented and fabricated. As reported on XXXX report JCS phone = XXXX, address XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. I opened a dispute advising XXXX to request XXXX scammers prove that its debt collection action follows the Virginia state statue of limitations debt collection laws. XXXX responded w/in hours that the debt collection attempt is good and my dispute is closed. I have NOT had a XXXX account since XXXX or XXXX when I switched to XXXX XXXX to XXXX years ago - way past the statue of limitations. I contacted XXXX XXXX to set up home internet service. XXXX first ran a credit check on me to determine if I owed XXXX any money, The XXXX rep told me in XXXX I do not own XXXX any money. I phone XXXX XXXX on XXXX XX/XX/XXXX. Experian online now prevents me from reopening my online complaint or it is hidden behind some screen. I XXXX robot prevented me from speaking to a customer service rep saying it is impossible for me to speak to a cust. svc. rep. Call back another time. When is the federal govt going to put guidelines in for the three credit agencies who are clearly in bed w the predators and demand that they make it super simple for people to easily respond to the repeated misrepresentation of this debt collector predators.
Product: Credit card

We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Student loan

Received paperwork that stated I have been summoned to court due to not paying a student loan opened in 2004. I do not recall every taking out a loan for this. I've never received anything in the mail requesting payment. I've checked my credit report, and it's not on there.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX.
Product: Credit reporting

Transunion reinserTed an account on my credit file by portfolio recovery services thay has been deleted from my credit report. The original creditor was XXXX XXXX XXXX in which was reported by XXXX recovery services, this account was deleted from myncredit.file in 2015.
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Mortgage

On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. 
Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. 
They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.
Product: Mortgage

In XX/XX/XXXX I filed chapter XXXX bankruptcy to save my home from foreclosure. Over the years my loan transferred from XXXX XXXX to XXXX to XXXX  XXXX XXXX to Fay Servicing to XXXX XXXX. Somewhere between XXXX and XXXX XXXX XXXX I lost my buydown set at 3.5 year one, 4.5 year two, 5.5 year three for the life of the loan. I sought explanation from XXXX  only to be told that it was given to me in one lump sum. No evidence of such credit ever provided. I then sought modification from XXXX. After weeks/months of repeated " lost '' documents and one week prior to my anticipated modification my case was closed with the excuse that my loan had transferred to Faye Servicing. After filing bankruptcy my attorney sought a modification on my behalf. The only thing Faye Servicing offered was amortizing {$37000.00} to the back of my loan, and increasing my interest rate by half a point. Upon completing Bankruptcy Fay Servicing has been utilizing my Escrow payments to cover " {$4000.00} Escrow Shortage. '' This has been ongoing Since XX/XX/XXXX when I started paying my own mortgage. I have been Paying nearly {$4000.00}. annually for Escrow only. My taxes  and Insurance total under {$3000.00}. Other charges Fay has been collecting is Corporate Advance Charges, Legal Fees, Property preservation, Suspense, escrow shortage etc. 
I have attached convenants and conditions of modification agreement.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was scammed for concert tickets through XXXX XXXX  To transfer money I used Venmo. I paid them {$500.00} and they never sent any tickets. I looked into their account and it is a scammer account. I contacted Venmo and they said they will put in a claim but do not think I will receive a refund. I then contacted my bank and they said to contact Venmo that they could not do anything because it was a cash based transaction.
Product: Credit reporting

Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

all the information attached to my social is incorrect, and the person that has access to it it's not the person they say he is I've been having a really hard time employed have credit they denied me for everything due to this person using my social they think that I'm one of his dependents or something or a spouse. Going to fix that problem by trying to verify my identity.