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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OK XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield, XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and  credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation ( I have kept proof of this request, which I plan to use this information in court ) I have yet received any information in over 90 days. The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) requires you to respond and validate any listed on a consumer 's  credit file within 30 days, your company has not done so. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

REMOVED THESE ACCOUNTS THEY ARE PAID IN FULL AND OR i AM NOT RESPONSIBLE i SENT ID AND POLICE REPORTS MANY TIMES I ALSO SENT CERT MAIL I HAVE PROOF XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX Account number XXXX AND XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I submitted a dispute letter to TransUnion requesting an investigation of an alleged late payment that has been reporting on my credit file. In my dispute letter I requested verification in the form of any existing documents such as statements or bank statements from the creditor XXXX that I was more than XXXX  days late on a payment. I have sent this request on multiple occasions with the only response from TransUnion being that the debt has been Verified as Accurate with absolutely no supporting documentation proving so which is my right under the FCRA laws that they furnish to me the method of verification. TransUnion a boldly and blatantly REFUSED to conduct a proper investing, which seems to be their customary practice of not completing investigations properly and providing me with the method in which they employed to verify this allegation of a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX and they sold the contract to XXXX. XXXX then proceeded to unlawfully share my personal information with Transition, XXXX and XXXX. I reached out to XXXX in an attempt to resolve this situation by opting out of them reporting my information without my permission via 15 USC 6802 B, but I was told that they indeed had this right and would continue to report it. I urged to them that they were violating 15 USC 6801 ( Protection of non-public information ), 16 CFR 313.1 ( purpose and scope of non-public info ) and The privacy Act of 1974. They admitted to me over the phone that the account is charged off, which makes it a certificate of indebtedness, which is illegal to have on credit reports via the IRS. Despite all of this, they have refused to remove this from my credit report and opt me out of them reporting to the credit agencies concerning my private information. I informed them that I intend to take this manner to federal court if it is not resolved swiftly and amicably.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Original Creditor : Florida Hospital Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care at Florida Hospital. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Florida Hospital that the debt is the result of identity theft. 

My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also, a police report is in the process of being filed in regard to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that the information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 

Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a collection report that no matter what I do or talk to it keeps coming up in collections. there's 3 different companies who I suspect they are affiliated. the original creditor was XXXX ( I think it is charge off ), I think. The amount is for {$500.00}. I report it to experian that it is not my account. I have told them that I have report it to the XXXX XXXX XXXX. That is to say I reported my I D has been stolen, birth certificates etc. But still ecperian has the same results and does not change. They seem to have record to to help the collectors and not me. Also, experian has on file and have told me that my name/ID, has come up over 40 times in the deep webb XXXX And yet they don't believe me.That the info is wrong I don't owe any bills to XXXX. is there anything this agency can do for me?
Product: Checking or savings account

I work at XXXX XXXX in XXXX, Tn. and our paycheck goes through Capital One, we get paid every 2 weeks but none of our checks were deposited on XX/XX/year>, its been 5 days with no paycheck, we are getting overdrafts and unable to pay our bills
Product: Mortgage

My name is XXXX XXXX. I purchased the house in 2008. They included PMI insurance on the loan. For the last 4 or 5 years i have been calling them to see how they can remove it. I had them send out an appraiser around 3 years ago and they claimed that i still needed the PMI. I called on XXXX of this year they told me that they would send someone out but i would need to pay the appraisal fee. They came out and valued the house at {$240000.00}. I owe Mr. Cooper {$160000.00}. I called last month to get status and they advised that i did not need PMI any longer. I asked them if i was going to be reimbursed for all the unearned premium and they told me that they dont this. I need help i feel that for a long time they made me pay for something i did not need. I started paying {$200.00} and they refuced it to like {$130.00}. 

My loan number with Mr Cooper is XXXX
Product: Debt collection

This debt which is showing on one of my credit bureau report and it doesn't belongs to me It's a completely identity theft They have fake ssn & dob As a result they are reporting someone account to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of times overdue which is being accounted on my credit report appear to be inaccurate and or deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize inquiries fraud.
Product: Mortgage

I had been working with Wells Fargo for a loan modification for quite some time now. Recently I was denied a loan modification a 4th time after being told i did not make enough income to sustain an affordable payment. ( the first time i was denied for making too much money ). After verifying with XXXX XXXX ( Home Specialist ) that the income used was miscalculated, she informed that my file was noted by the Underwriter that they will not use my income. I find this exceptionally hard to accept as this is my home that i would like to save. My Husband and I lived here for many years before his passing and i would do anything to keep my home. I have even offered them 75 % of the past due amount in hopes that they would accept and allow me to make payments. The fact is that i can afford my payments, it just seems that Wells Fargo wants to take my home away from me. I would really like for Wells Fargo to provide me with a fair review of all my income and not exclude some of it. I show affordability, but now if they can only see that. Please help me save my home.
Product: Credit card or prepaid card

A credit card was opened in my name fraudulently and I am having a difficult time to get Best Buy/Citi to close the case. In the meantime I have asked 3 times for a copy of the signed application with no luck. They have told me that the individual that applied for the card did so in-person, so there is a paper copy of the application with a signature.
Product: Debt collection

The company continues to contact me and try to collect money on a contract that was terminated XXXX years ago. I've sent season to sis letters i've sent validation of debt letters and they will not stop.
Product: Mortgage

I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.
Product: Bank account or service

This is a brief summary please see attached letter. 
Also Attached : Power of AttorneyOrder Appointing Guardian and ConservatorBB & T LetterBB & T Bank StatementThe Only Money that was deposited in that account was father 's social security checks. 
As stated in the attached letter, over the past 7 months, I have been to XXXX BB & T branches ( XXXX, VA XXXX, XXXX XXXX, VA XXXX, XXXX, VA XXXX, and XXXX, VA XXXX ), to try and prevent all that has occurred. Each time, I received different responses from all XXXX branches regarding POA. Also, XXXX different branches provided conflicting responses regarding conservatorship. Now the calls I have received from XXXX XXXX and XXXX XXXX have different policies as well. My experience is that BB & T does not have a consistent set of policies and procedures to regulate guidelines governing POA or conservatorships. This situation caused undue stress on my father and the bank 's actions have made an arduous situation even more austere as my family and I have to fight on another front to recover my late father 's stolen, hard-earn funds. All of this compounds the great pain and loss we are dealing with because of his demise. 
My dealings with BB & T have left several unanswered questions:1. Why was a Counter Check allowed to be cashed when father was in the XXXX XXXX? 
2. Why was I initially allowed online access to my uncle's/father 's brother joint account from XXXX/XXXX/15 to XXXX/XXXX/15, once it was brought to the attention on XXXX XXXX, I no longer had access? On the morning of XXXX/XXXX/15, I set ATM limits to XXXX and they were removed. 
3. Why did I receive conflicting information on whether I had access to close joint account? 
4. Why did I receive conflicting information on putting a debit hold on the joint account? 
5. Why did teller say she thinks POA was revoked, when it could only be revoked in writing?
Product: Credit reporting or other personal consumer reports

I requested 3 times to remove inquiry due to reasons for denial are false. I had zero inquires before they ran my credit two times in one week. 
Also I only have one bank Debi card Zero credit One mortgage and The rest are closed accounts paid and never late My available credit is 100 percent My score has been tarnished from XXXX to XXXX due to their denying me on false reporting. This is my 3rd attempt to get the inquiry removed from this XXXX and fraudulent bank otherwise I will take it to court!
Product: Checking or savings account

I received an invitation from Bank of America to open a bank account that promised a {$350.00} bonus upon completion of the terms. The terms were that direct deposits totaling {$4000.00} would be deposited within 90 days of account opening. We completed that end of the agreement well before 90 days, and should have received the bonus in our account on or before XX/XX/XXXX. When that did not happen, I called a BOA representative around XX/XX/XXXX, and she apologized and stated that the bonus should deposit within the week, perhaps was delayed by the holidays. Mid-XXXX we still did not have the deposit, so I called back and was referred to the Digital Services department of BOA. Once again, they looked over the account, noted that our end of the deal had been met, could not explain the error, but promised it would be " escalated ''. I called back again on XX/XX/XXXX and spoke with XXXX in Digital Services ( XXXX ), who now thoroughly apologized, also could not explain the failure to deposit the bonus, stated he could see the {$350.00} bonus sitting in some sort of holding account, but did not know why their automatic system did not release it. He promised it would be deposited by XX/XX/XXXX, which is today. It has still not been deposited to our account. I can not seem to get any further with Bank of America, and feel they have reneged on their own offer. I need help resolving this issue. I have all of the emailed correspondence from BOA displaying the original offer.
Product: Checking or savings account

They have charged me {$590.00} in overdraft fees over the course of 2 months.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance Owed : {$310.00}
Product: Vehicle loan or lease

Wells Fargo Dealer services web payment processes over-payments as future credits with further and further extended payment date, instead of applying the extra to lower the principal of the loan. 

They will only take principal payments in person or by check.
Product: Mortgage

My wife and I filed for and completed our chapter XXXX bankruptcy plan and received our discharge papers. PNC Bank holds our second mortgage and is showing our account as being behind 1 payment behind after completing the plan. After several requests PNC completed the " Notice of Final Cure Payment '' and it shows that our first post petition payment was due on XX/XX/XXXX. My wife have made XX/XX/XXXX payment, XX/XX/XXXX payment and are going to send out XX/XX/XXXX which is due on the XX/XX/XXXX. 

There is no way that we can be behind after completing the plan and the fact that the cure notice confirms this is disgusting that PNC will not rectify it. If there are delinquent monies with our loan, PNC should have addressed them with the bankruptcy court prior to completing the Final Cure Notice. Now that we are no longer under the protection of the courts, they are claiming that we are behind. 

I have made about 15 phone calls and have spoken to many of representatives from PNC, but no one has any authority to make this right. The last person that I spoke with was a XXXX XXXX at XXXX. He explained that PNC 's attorney would reach out to our Bankruptcy attorney to figure things out. My attorney has called them several times but no one will call him back. 
My wife and I can not continue to pay a lawyer for making phone calls and sending out letters because our mortgage company does not have their act together.
Product: Student loan

Forbearance in XX/XX/2009 with XXXX student loans lost my job and struggled to make payments. XXXX offered a forbearance of which I struggled to make payments. I made full payments on time for the 6 months of forbearance and was still charged additional interest. I was never given helpful information and asked several times for my massive mortagage payment of my student loans to be reduced. They said if I did n't make payment or went bankrupt they threaten to ask my parents for the payment. I feel this is unlawful for students to better themselves and I was taken advantage of. Do I have any options?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX XXXX Bankruptcy Case Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXXXXXXxxxx 4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX