23daVinci/CFPB_Complaints huggingface dataset:
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 ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report three fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX for {$9000.00}, and another credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$7800.00}. These accounts have resulted in several fraudulent collections appearing on my consumer credit report. I request the removal of incorrect names, including XXXX XXXX XXXX and XXXX XXXX XXXX, from my credit report. I demand that the fraudulent items and incorrect names be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Today on XX/XX/2016 at XXXX eastern time, a XXXX, from PayPal credit called my parents home. She asked for XXXX XXXX, my mother said he is n't here, meanjng he does n't live here. This person continued and asked is this XXXX XXXX? Which it was, but not XXXX XXXX XXXX, im not married. My parents number has never been in my account since I 've not lived there in 22 years. This XXXX, continued to discuss what my balance was, it was 4 months past due, and could she take care of it today for me? She said last payment was XX/XX/XXXX. Humm that 's 2 months ago? She told her to take {$63.00} to XXXX XXXX XXXX to oay the account and keep it current. Why would someone take it to my bank? They do n't have the account number. 
I called the number on parents phine she i got there to check in them tonight XXXX. A XXXX answered and told me she must have done a generic search for a phone number. They should n't have they called my home two weeks ago and I told them I had n't gotten a bill in 2-3months of which that person said he would mail one. I still have n't gotten it. 
This XXXX took their number off my account of which I never put there as I have my own number and have n't used theirs in 22 years. 
I am beyond upset as it got my mother who is XXXX and I 'll very upset and worried over this they have gone to far and I want restitution for their crime. 
Can u assist?
Product: Credit card or prepaid card

XX/XX/XXXX Applied for credit card at local Chase Bank branch, I asked to verify the annual membership due day for the first year, Chase bank told me it would be due a year later, the membership fee is {$450.00} but since it would be due each end of the year, there were not explicit date shown when that {$450.00} would be due XX/XX/XXXX Called Chase to look over my update information as it did not call me regarding my case within 48hrs XX/XX/XXXX Card Received XX/XX/XXXX Account was closed by Chase, was told my card was returned in mistake, poor attitude, told nothing could be done by first representative, called another, reactivate my account XX/XX/XXXX {$450.00} Membership Fee is charged XX/XX/XXXX Contacted Chase on phone to supervisor, told nothing can be done, told even though they believe there is a miscommunication, membership fee can not be returned, and refuse to provide any compensation to false advertisement, they created an internal complaint for me and told me I won't get any follow up, it was basically a note saying that I was a troublesome customer on their side, period
Product: Credit card

Received an email and invoice # XXXX today XXXX from Pay Pal stating they charged my account with a purchase o XXXX crypto currency. See attachment below. I have filed another complaint concerning this same issue.
Product: Student loan

Navient managed my student loans for many years after XXXX XXXX. In recent years, My loans were transferred to Aidvantage. 
XXXX  steered me into forbearance and mismanaged your loan payments. I do have a payment history I printed a few years ago off navient website but payments are either missing or allocated incorrectly. Since having XXXX I have moved, changed banks, and had a house fire. I am a victim of forbearance steering ( e.g., put into long-term forbearance instead of an income-driven repayment plan ). XXXX  never gave me information on consolidation and when I had a problem paying they would put me in a forbearance. My student loans have been in forbearance most of their history.
Product: Money transfer, virtual currency, or money service

Hello, my debit card was stolen on XX/XX/scrub>/23 and the thief used it to transfer {$1000.00} to their personal Cash App account. 

I contacted Cash App support and received nothing but a very long and intentionally misleading runaround because my stolen card was not linked to a Cash App account, only used to deposit money into the thief 's account. They did nothing to investigate or rectify this fraud even after I provided them with bank information, debit information, transaction ID numbers, timestamps, and a screenshot. They then told me I needed to get my bank to investigate this. 

They then closed my support ticket with no resolution, provided no information, and told me that all I could do was " reopen a ticket '' and start over. This seems like exactly the type of conduct that lead to the recent fines reported to be of over $ XXXX USD.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- INQUIRIES -- - XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated the title 15 USC 1681 Fair Credit Reporting Act. Information Attached.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681e, they violate the FCRA.

According to 15USC1692g, they violate the FCRA According to 15USC 1635 the violated the FCRA Please Investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$110.00}, XXXX XXXX XXXX XXXX Balance : {$760.00}, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 


If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I take advantage of XXXX yearly. When I applied for a home loan through XXXX in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX and XXXX were created by XXXX XXXX. The two on XXXX were created by Bank of America. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are Bank of America.
Product: Mortgage

On the billing statement, it reads " Suspense : Any partial payments that you make are not applied to your mortgage, but instead are held in a suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' On XXXX, I made a partial payment with the knowledge that this payment would be placed in suspense until a full mortgage payment would be made. However, Specialized Loan Servicing moved the {$300.00} partial payment to the principal instead. I notified the company that this was to go to the suspense. They refused in writing and on the phone. I have since made XXXX more partial payments and they are properly sitting in suspense, but they refuse to move the {$300.00} payment from XXXX to make my XX/XX/2020 payment. They have now charged me late fees and have threatened to report my delinquency if I do not pay an additional {$300.00}. 

After XXXX phone calls and XXXX emails, they verbally have refused to move the {$300.00} and fraudulently charge my account late fees.
Product: Credit card

On XXXX night, XX/XX/23 my car was broken into they stole my credit card, and they also stoled my work bag. I am unsure if my Social Security was in any of the XXXX of my work bag.
Product: Mortgage

I successfully completed a 60 months Chapter XXXX Bankruptcy. I filed my case on XXXX/XXXX/XXXX in the XXXX. of Ohio as case Number : XXXX. I received a discharge on XXXX/XXXX/XXXX and my case was closed on XXXX/XXXX/XXXX. The bankruptcy trustee paid my mortgage through the Plan. The Court issued an order on XXXX/XXXX/XXXX finding that all pre-petition arrearage had been cured and that all post-petition payments had been timely made and that the bank should adjust its balance pursuant to the original amortization schedule of the loan. I have timely made each of the payments on the mortgage loan since the end of my bankruptcy. I ordered a complete account history from Citifinancial XXXX. and from the Chapter XXXX Bankruptcy Trustee and gave those records to a certified public accountant. The accountant prepared an official report and came to the conclusion that I owe only {$56000.00}. Citifinancial says that I owe them in excess of {$120000.00} ( though the figure frequently changes XXXX. No one at Citifinancial, XXXX will talk to me and I just get bounced around from customer service to the bankruptcy department and then back to customer service and then back to the bankruptcy department.
Product: Debt collection

So we have had issues with the billing and payments through XXXX. For months before we ended our services we would make payments and they would deny the payment from our debit card. Then they would run it again and it would go through. In XXXX of last year we had the same thing happen, didn't think much about it at the time, until they started deducting the payments that they said didn't go through and still charging us. So in XXXX of XXXX I was reviewing the bills with support form XXXX and found I was being charged for things we did not have for years. The lady was going to credit the account XXXX one week and another XXXX the following week as that was the most they could do to help fix the issues. The credit never came and in XXXX and they shut the services off in XXXX. You can see there are XXXX transitions and technically there was a XXXX as well for XXXX, but that got resolved and does not show. 

All payments were made through XXXX. 

The payment through XXXX XXXX XXXX XXXX for {$260.00} on XX/XX/XXXX XXXX said it posted for 3 days then unposted. I have attached the statement from XXXX XXXX showing in was never returned. 

XXXX turned off TV on the XXXX and declined the payment for XXXX. I immediately get a notification the payment of XXXX must now be paid. So I pay that. Now I look at my banking and I have XXXX payments made to xfinity. 

A stop payment on the XXXX was started through XXXX as the account was over paid, but XXXX fought it and it went through. 

So now I have paid XXXX XXXX not just XXXX in the month of XXXX and the account is overpaid. They billed me again for the XXXX from XXXX in XXXX. 
On XX/XX/XXXX a payment for XXXX was made, but never credited to my account until XXXX. 

This is how screwed up they had my account. 

You will see over the next several statements along with a credit of XXXX. That was supposed to be XXXX, ( but they need a higher manger approval to do it all at once ) because they had been billing me for several years for equipment that was turned in years before. 

This is why I ended my services. There are literally days I have wasted on XXXX, trying to sort this all out. Not to mention I'm getting hit with all these fees and they are not being responsible for any of it. 

I have attached the documentation. I spent a large amount of time after work with XXXX trying to resolve this, I also spent hrs. during work. I should not have to spent this much time trying to undo the issues. I tried to work with them for months, trying to be understanding as they tried to figure out what happened. Then they tried to explain what they thought happened and at this point I was done. My kid could not do his school work, our security system was not functional and had no TV. I was done with trying to be reasonable. I dealt with this for 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX and Equifax 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored
Product: Credit card or prepaid card

I spoke with a representative by the name of XXXX with Capital One regarding the interest charge on my account. Ive paid {$1800.00} the balance in full and Capital One received it on XX/XX/XXXX but didnt post it until XX/XX/XXXX which caused a higher interest charge. The automated system verified the date of payment received.
Product: Debt collection

When I attempted to purchase a house and pulled my credit report, I discovered a fraudulent account listed under my name with XXXX XXXX. Shortly afterward, I received a letter from LYONS DOUGHTY & VELDHUIS, PC, identifying themselves as attorneys for XXXX XXXXXXXX. The letter stated that a judgment had been filed against me based on this fraudulent account. I immediately filed a police report to document the fraud and disputed the account with XXXX XXXX. I have no knowledge of or connection to this account, and I believe it is the result of identity theft or a reporting error. Despite my dispute and clear evidence of fraud, LYONS DOUGHTY & VELDHUIS, PC proceeded with legal action, including filing a judgment against me. 
This collection activity violates several provisions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, it violates 15 USC 1692e by falsely representing the validity of the debt, knowing it was disputed and fraudulent. It also violates 15 USC 1692f by engaging in unfair and unconscionable practices, such as filing a judgment without verifying the legitimacy of the debt. Additionally, it breaches 15 USC 1692g by failing to provide proper validation of the debt, despite my request for proof that the account belonged to me. Furthermore, their actions constitute harassment under 15 USC 1692d, as the legal proceedings caused significant stress and hardship, particularly during my attempt to purchase a home. I request a thorough investigation into the actions of XXXX XXXX  and LYONS DOUGHTY & VELDHUIS, PC. I also seek the removal of the fraudulent account from my credit report and the reversal of the judgment filed against me, as this fraudulent account and legal action have caused severe damage to my credit and financial well-being.
Product: Credit reporting or other personal consumer reports

I took out student loans over 10 years ago, and these accounts are still present on my credit report. They should not be on my credit report anymore.
Product: Debt collection

On XX/XX/2023 I submitted a request to XXXX XXXX XXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XX/XX/2023 I have not received any sort of correspondence pertaining to my request at all. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late US DEPT ED XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX and Equifax credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed account is XXXX XXXX XXXX Account number XXXX XXXX wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.