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

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX : 1. XXXX 2. XXXX  3. XXXX XXXX Addresses : 1. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX 2. XXXX XXXX XXXX XXXX, WA, XXXX 3. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX 4. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 5. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 6. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit report. As a victim of a data breach, I did not authorize these inquiries, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request their deletion. 
Unauthorized Inquiries to Be Deleted XXXX. XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A place in XXXX Illinois called courtesy loans close their doors one day on a Friday. They were bought out by world finance. Courtesy loans never sent their customers any kind of paperwork who bought the company they didn't send me or anybody else anything and we had no idea who to pay the loans off to couldn't get a hold of anybody cuz the place closed their doors courtesy loans did and all the sudden it pops up on my credit report well I've told experian XXXX and XXXX about it I have sent disputes I have done all that and nothing changes but it still has drug my credit score down and I didn't even know who to pay or anything until it was already too late They already had they were already on my credit report
Product: Mortgage

XXXX or XXXX we were contacted by our mortgage company multiple times to do the streamline refinancing. We started the process and finally got everything finalized in XXXX. Come XX/XX/XXXX we receive in our annual escrow analysis sheet and it states we are negative in our escrow account and on XX/XX/XXXX we owe either XXXX and our monthly mortgage goes up {$200.00} for 12 months or we can opt to not pay the XXXX but pay {$650.00} more monthly for 12 months. Both causing more money out of our pockets than our original amount before refinancing. After contacting customer service via phone twice and getting the run around and submitted an online question on XX/XX/XXXX ( still have never heard anything back ) we finally emailed on XX/XX/XXXX XXXX which this email comes from XXXX reviews. We found out during the refi process the loan officer did our paper work incorrectly they looked at the value of the house from when we first went into contract and our house was just accessed at land instead of looking at our actual house value and our prior taxes and paper work on file. They took our escrow balance and applied it to our principle thus causing us to be in the arrears come XX/XX/XXXX once our annual taxes were paid. We were told they would reach out to see what could be done, possibly extend our extra payments out longer. We explained in what would we want to pay more monthly on our mortgage than we did before we refinanced. That is was a joke, and the amount of times we have had to reach out to Freedom Mortgage without getting help they should really fix their problem. We have still not received anything from them except our XX/XX/XXXX statement which shows we owe the extra {$650.00}.
Product: Debt collection

This is a collection account for a medical bill. I had and still have insurance and met my deductible therefore no additional monies should have been billed. This has adversely affected my credit score and I need it removed immediately.
Product: Money transfer, virtual currency, or money service

I opened a coinbase account in XX/XX/XXXX. On XX/XX/XXXX i locked my account by typing in the wrong password too many times. It has been a month, i have received XXXX response or update on what is going on and my account is completely locked. I have {$5000.00} in my account with their company and it was used to purchase XXXX Lite coin which is a form of crypto currency. I bought the Litecoin for a est of {$250.00} and since the month in which they have ignored me and not given me access to my account Lite coin has since dropped to {$140.00}, causing my money to evaporate. Coinbase is a company supposedly based in XXXX XXXX. Their response is that they are back logged which is not a excuse seeing how it has now been a month. They brag about how they made Millions of dollars this year, but customers are kept waiting for months for them to address accounts that they have locked. I contacted the BBB, DCA, CFPB, and will be filing a small claims lawsuit on them next week to recoup any assests lost due to unfair business practices in which they are conducting, if my account is still locked. If you can help me please do. After looking into other complaints that have been filed by other customers this behavior with coinbase seems to be rampant and the norm, which should not be allowed by a United States company. I look forward to hearing back from the CFPB on this mattter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance Corporation an affiliate of Truist, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against Regional Acceptance and Truist ( BB & T )
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX {$1300.00} - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX XXXX Date Updated : XX/XX/2022 High Balance : {$1300.00} Original Creditor : XXXX Past XXXX : {$1300.00} Pay Status>Collection< Estimated month and year this item will be removedXXXX  Remarks>PLACED FOR XXXX
Product: Debt collection

First tech federal took over XXXX out of my checking account to reimburse themselves for someone elses account that was overdrawn. I got my money back after a lengthy phone call and discovered they took my money to cover overdrafts on my ex husbands account that I have never been tied too. Than they had a collection agency contact me to collect the same debt from that overdraft account where I proceeded to explain I have never been on that account. Now that same account that is not mine is being reported on my credit report and in chexsystems causing me to be denied applications. I have never been associated with this account and first tech keeps coming for me over it. My husband has XXXX and I cant keep dealing with first tech messing my life up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2015 and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XXXX 2015. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I  would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XXXX 2015. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Product: Mortgage

I paid my mortgage as usual, but then the amount was credited back. XXXX could not figure out what happened. I called XXXX XXXX to learn that they closed my account and transferred it to another company. The problem is on my credit report it just says account closed. This caused my credit score to go down 20 POINTS! I am in the process of planning to apply for a loan for my business next month. This error could ruin my potential business before it even starts. I have never made a late payment on mortgage for the 10 years I had it. This new company is a bank. The online system says they are only for making payments in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " XXXX '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. XXXX FAILED TO REPORT TO EXPERIAN THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " EXPERIAN '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH XXXX AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY EXPERIAN CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 EXPERIANXXXX  IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! XXXX HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY XXXX. 3. XXXX PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST XXXX IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY EXPERIAN CREDIT REPORT.
Product: Debt collection

Centric assets keeps calling my work after I told them not to. A XXXX XXXX keeps calling treating to call my superior. 
I told not to call my work that I am notallowed.personal calls. 
He also harassed the people that work there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX, XXXX sent a verifiable request to TRANSUNION by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/year> I received a credit report from TRANSUNION which was NOT what I requested. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from TRANSUNION.
Product: Checking or savings account

Deposited a check of {$5000.00} on XX/XX/XXXX into my Chase Checking account. The Check was written from XXXX 's by my parents. 
Chase cashed the check on XX/XX/XXXX and is withholding the money from my account. I called Chase and they said they are holding up the transaction because of potential fraud and froze my account. Asking me why did they write this check to me etc. 
I was told by Chase in order to unfreeze my account, we need to go to XXXX 's bank with my Dad to confirm the check was real. We did this in person. 
Then was and then told I need to go to a Chase branch to confirm this as well.

We did this and it was confirmed by the bank manager at the XXXX location. 

We showed two forms of ID. They unfroze my account but wont cash or give the money back to my parents account. 
The Chase branch couldnt even get through to there own people. The Chase fraud division never heard of XXXX bank and kept calling a bank in Minnesota. We were all shaking our heads. This whole process took XXXX hours and the check is still on hold. 
I have a mortgage with chase and have perfect credit. I have a credit card with them as well. Not sure what else I can do. I would appreciate your help with this matter. 
Personal note. My Dad showed his drivers license and his XXXX picture veterans affairs card. They said they need more info. He had to give them his chase credit card for them to approve his identity. The people were rude and unhelpful in the phone. The bank manager and XXXX at the chase branch were very nice and helpful but still apparently couldnt resolved this Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00}. and a personal credit card account XXXX XXXX XXXXXXXX opened on XX/XX/XXXX account number XXXX. and a personal credit card account number XXXX XXXX XXXX XXXX dated open XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX, account number XXXX. XXXX. XXXX XXXX XXXX, account number XXXX. XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I contacted My XXXX XXXX customer service about returning broken, unsafe furniture. The customer service representative said that I could not return the furniture because it had been past their three day return policy. I asked where this policy was stated and he said it was given to me and was clearly printed on the back of my deliver receipt that the delivery driver gave to me and all he could do was set up a furniture damage claim to have the furniture replaced. I told him I wanted to talk to a supervisor and dispute this policy since this was the first time I had ever heard of a three day return policy. I spoke with the supervisor and she pretty much said the same thing and started the exchange claim. 

I then checked my security footage of the day my furniture was delivered and the drive didn't give me a single piece of paper, and when I asked for a copy of what I signed, there is NOTHING on the digital delivery receipt about a three day return policy!!!! 

So I checked the website and sure enough there is NOTHING on the website about a three day return policy either!!! I then called the manager XXXX at XXXX XXXX location, and explained the situation to her and she gave me a completely different story about the policy being on a sales receipt the delivery drive gave me! I again explained to her that nothing was given to me and she said that there was nothing she could do that I would have to file a claim with the company! 

So then at XXXX on XX/XX/XXXX I get a text message from someone overseas requesting photos! I was livid about the time of day they were contacting me as I knew it was a violation of my consumer protections and rights, but I then get a completely different story from them about the how I supposedly agreed to a 3 day return policy. They then emailed me a copy of a receipt and email that I had never seen before, and the is when I decided to dispute the charge and fight this in court now! 

It is not okay for companies to lie about made up policies and then try to hold customers accountable for those made up policies! I signed and received no copies of anything that states there was a three day return policy, and I never received anything via email either!!!! 

I want my credit card company Wells Fargo to reverse the charge dated XX/XX/22 in the amount of {$1300.00} and hopefully the store will come pick up this broken and dangerous furniture! The furniture that was delivered not only has broken legs making the bed frame unusable, but there were chunks of varnish falling off, and the night stand wood was cut so crooked that the whole table wobbles making it completely unusable too!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent XXXX credit card account from 3 years ago showing up with an unpaid balcony that is the result of fraudulent activity and identity theft that has been reported multiple times but the credit reporting agency refuses to fix. This is affecting my life and sabotaging my ability to sign a lease, take out a loan, line of credit, etc
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I was reviewing my credit report and noticed that XXXX was reporting an account as a student loan when it wasn't from the university XXXX XXXX  I filed a dispute to have this information corrected. During the process, I looked over my XXXX report and Experian for any inaccuracies. My XXXX report for XX/XX/year>2024, was not reporting university XXXX XXXX  student loans accounts at all. During the investigation the company ( university XXXX XXXX  ) decided that they were going to report the inaccurate information to the other two credit companies ( XXXX and Experian ). I called the company to inform them that they reported these accounts as collections when I have legal documentation from the courts with the company information on it to where the courts sent the bankruptcy information to and when. The University XXXX XXXX  student loan department stated they did not receive the information. I sent them the paperwork via email as proof. The company stated they were going to remove the accounts. XXXX did the investigation and only updated the information to " included in bankruptcy ''. My credit report is still 3 years ' worth of reported collection/ not paid information on my credit report. It's not fair to me to constantly file disputes for inaccurate information. 



Updated to previous response : XX/XX/year>2024 I received an alert from Experian regarding the dispute I filed concerning the reference accounts listed above. They did not take any action on these accounts. I pay monthly to have my report monitored and to ensure that any inaccuracies are addressed properly. The report stated that there would be no changes, yet my credit score dropped by XXXX points! If nothing has changed, how can my score drop so significantly? I reviewed my entire report and found no new accounts, updates, or collectionsabsolutely nothing has changed. Once again, this information is inaccurate, and the company falsely certified its correctness despite receiving proof that it was part of a bankruptcy. They still attempted to collect money from me. This doesnt make any sense. I have also attached proof to this complaint. If proper action is not taken, I will have to start legal action.