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 XXXX, XXXX, and Equifax credit reporting agency , block and delete 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. This fraudulent, inaccurate, and false information consists of account appearing on my consumer fico credit report which I do not recognize as reported and which th result of identity theft and fraud. I am also a victim of the data breach and would like this account mentioned to be blocked and deleted pursuant to 15 U.S.C 1681c-2 ( a ) : XXXX XXXX XXXXXXXX. This account have resulted in fraudulent inquiries as well as collection appearing on my consumer fico report. I demand the aforementioned fraudulent item be removed from each consumer reporting agency and all collection activity cease pursuant to my rights under the FCRA and FDCPA laws.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.
Product: Credit reporting or other personal consumer reports

Remove all inquiries made by bank, mortgage finance, XXXX XXXX or any other agency or entity be removed as they were not authorized by me
Product: Mortgage

Spouse and I applied for mortgage assistance. US BANK has told us several times it's with the underwriter that we assume is XXXX XXXX. 
They keep telling us application is incomplete. When we call they say it's with the underwriter and we will escalate process. 
We asked to pay back taxes and escrow, as we can not afford to pay the escalated reinstatement fee of {$22000.00}. XXXX won his XXXX case in XX/XX/XXXX. SSDI and XXXX attorney XXXX XXXX has XXXX records in disarray. XXXX abandoned case at onset of reconsideration in XX/XX/XXXX. Social Security XXXX in XXXX has taken child support that is not owed. XXXX agents has supplied erroneous information about back pay admitted to several mistakes. XXXX is still awaiting back pay. Carols, father, mother and sister passed away and left over {$20000.00} in debt, Taxes and utility bills. We are caught up and able to make mortgage payments easily to US BANK. We believe US BANK is purposely trying to take home. We contacted HUD representatives in XXXX through Michigan state. XXXX XXXX. XXXX and condescending she offered no help and believe she tried to label XXXX as a threat because he hugged her to thank her and was crying a lot. XXXX told her she looked great for XXXX yrs old and believe she used that to label him.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I purchased a dog from XXXX in XXXX XXXX - XXXX XXXXXXXX. They told me financing offers and when they told me about Mariners Finance and the fees, I accepted. In XX/XX/XXXX, I was laid off from my job due to company cutbacks. I explained my financial situation to Mariners as I may not be able to pay on time, but the representatives only cared about getting their money, even if it meant being behind on my rent or medical expenses as I have a medical condition with costly medicine that I must take daily to sustain my health. That's when I received a call in XXXX to get a new loan with additional fees and I would have the original one wiped out. I was desperate and the representative seemed nicer than the ones that would call. I got to the branch across from XXXX XXXX and filled out the new application, even as I explained to the rep that I was just starting a new job and may not be able to take on this additional payment. I was assured that everything will be fine. That's when I began getting threatening calls to not only my cell phone, but my job, references and threatening voicemails from the branch supervisor. She would tell me that they will take me to court and that it's pretty much my fault for singing the loan. I was never directly told about the interest and principal because had I been told about the high rates, I would've never agreed to it. Because I was still getting back on my feet, I was given a date to make a payment by or they will garnish me. I again explained that I will try to work out something at a smaller payment amount, but with rent, car note, insurance and medical, it was impossible to bear anything else. Not soon after, my pay from work was garnished at {$1000.00} with a principal amount of {$28.00} and interest at {$1000.00} as shown in the attachment. After going to meet with their attorney before court, I was given a payment plan of {$110.00}, which I have been keeping up with best I can since XX/XX/XXXX. However, I again was never told about paying their court fees and additional fees that have doubled that I owe back and adding more financial stress. When I asked for a ledger of break down in XX/XX/XXXX because I felt like I was paying on a never ending loan, they never mailed it although it was in a noted call. I checked my account today ( 3/3 ) online out of curiosity because I was told I could not check it online since my account is in special situation due to the debt collection, I saw that my balance after my XX/XX/XXXX payment shows one thing and the payoff shows another, as I have attached that screenshot as well. Mariners Finance has no compassion for their customers in times of financial distress and will take them to court to gain more money instead of being transparent on all fees to expect no matter what.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX I thought I signed up for free credit monitoring account on Experian. I did not want a paid service because I already have one with XXXX. I never signed off on having my credit card billed. 
2. On XX/XX/XXXX I was billed {$24.00} by Experian. 
3. I disputed this charge with my Visa company and the charge was removed. I was unable to talk to an Experian representative as all their published numbers led to a phone tree and automated options that did not fit my query. 
4. On XX/XX/XXXX I was charged again by Experian for {$24.00}. 
5. This time I tried four different Experian phone numbers and still had no option to speak to an Experian representative so I could find out why I was being charged. 
6. I also checked my online Experian account which said I had a basic membership. There with no documentation that it was a paid account. The online account only offered me the option to upgrade the account. No ability to query or cancel it. 
7. I got back on the phone and did the automated option to cancel my membership. When I pressed the option to cancel it said I was cancelling a " FREE '' membership. 
8. Experian operates deceitfully by roping people in for free credit monitoring and then billing them. The Experian website and phone tree are organized to deceive the consumer and lead to unnecessary charges.
Product: Debt collection

Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX mobility, informed them i had not opened an XXXX XXXX XXXX mobility account, i contacted XXXX credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : CREDENCE RESOURCE MANAGEMENT for XXXX XXXX  - account was deleted after my dispute was approved by XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -fraudulent account, based on XXXX representative is a collection agency for the same XXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Around XXXX CALLED WELLS FARGO @ XXXX, spoke to agent XXXX, regarding an overdraft charge on my account 's statement of XXXX 2016. I wanted to know why an overdraft fee was done when the balance, given for that day could more than cover the " overdraft '' she indicated to me that she could authorize a credit of {$3.00} and some cents, the system would only permit that amount and she could not do the entire amount. She explained to me that there were pending charges given XXXX XXXX, which she could see that were included making the account with a negative balance. I asked her if she could send me that info and she replied no because it was internal use. I ask to speak to a supervisor who would have authority to reimburse full amount and she politely saw to my request. The Supervisor XXXX gave her full name but I did n't record her last. She ask how could she help. I advised her I wanted a full refund because my statement does n't show in my estimation that an overdraft was needed, therefore no {$12.00} fee should be charged. She answered my question with the same info and explanation that XXXX gave me. I interrupted her to advise her of this. I ask her where is she seeing a negative balance? She replied the pending amounts, XXXX XXXX, which I realized were the posted amounts for XXXX XXXX, on my statement totaled that negative balance, therefore she would only authorize the same refund that XXXX indicated. When I stated that was unfair because these transactions were not on the XXXX but XXXX she stated that they were pending therefore valid for the XXXX. I stated to her you can see my statement has them on XXXX and I should be given a full refund at that point about XXXX, I said her name and got no response, I continued to say hello until I concluded I was disconnected there was no dial tone, just silence and no response from Supervisor XXXX approximately XXXX.
Product: Student loan

After requesting a forbearance 3 times, and after spending nearly {$20.00} on tracking fees through the USPS, I was finally sent a letter XX/XX/2018, stating I would be charged {$0.00}. Later in XXXX, I received a letter dated XX/XX/2018, with a billing for Unpaid Fees which states is based on Total Payment Due ( Past Due Amount ) {$0.00} + Current Amount Due {$0.00} + Unpaid Fees for which they are charging me {$61.00}. I have been on food assistance through Kansas Department for Children and Families. Last year I was told by a KDCF case worker that Navient can not charge me while receiving Food Assistance. From what I've read, Navient receives funds from the federal government. I am an unpaid XXXX for my very frail XXXX year old mother. I also have a physical XXXX as documented by Social Rehabilitation Services for which I received assistance while attending college. This payment is due XX/XX/2018. I will need to borrow this money and send a 2-day arrival which will cost another $ XXXX for a total of about {$70.00}. Why is it legal for Navient to charge an Unpaid Fee? This is not the first time I have been charged this Unpaid Fee. It happened last year as well.
Product: Debt collection

These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.
Product: Debt collection

XX/XX/2019 someone bought {$870.00} merchandise in electronics dept. in XXXX in XXXX, fl store # XXXX at XXXX XXXX. I was at work at XXXX XXXX XXXX in XXXX, Fl. they produced an old drivers license of mine from fla and my checking acct, number, Check number # XXXX was a number way higher than what bank had issued me. I have never lost my checking acct.or drivers license. .It caused an overdraft to me. XXXX XXXX XXXX contacted me - we closed checking, savings debit card. and made fraud report. I contacted XXXX AND FILED FRAUD REPORT.- Reort # XXXX ID # XXXX, I contacted XXXX Police dept. and filed fraud report -- report # XXXX. XXXX told me that was an expired drivers license number and old name on it. All the paper work was sent to XXXX. in XXXX. They issued me a report back from there fraud Dept. One month later, I get Bill from TRS Recovery service - Telecheck wanting this $ $ money owed plus {$25.00} fee and stating me I would be put on bad list till this is resolved. Talked to them on phone -proven this was not me. I shouldn't never been sent to them for collection, - I also reported to all 3 credit bureaus and a freeze on my reports. I want this taken off my credit report - i do not owe any money to anyone this was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is at risk due to the Equifax leak on XXXX XXXX, 2017. I have requested a 90 day fraud alert with Equifax, but outside of that I could be at great risk for identity fraud.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, TRANSUNION removed a collection account associated with XXXX XXXX XXXX account number : XXXX. This account was disputed and removed. They then reinserted this account into my consumer report a few days later. I was not notified regarding the reinsertion of the account per 15 USC 1681i ( a ) ( 5 ) ( B ). TRANSUNION is in clear violation of the Fair Credit Reporting Act. This behavior has further damaged my credit score and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX  account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX  account XXXX XXXX XXXXXXXX XXXX  closed account has violated my rights 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 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting Midland Credit Management date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date Midland Credit Management purchased the account from the original creditor.
Product: Money transfer, virtual currency, or money service

im havent been able to link my pnc banking to my XXXX  account for bank transactions for over 6 months. pnc says they dont know why thats happening, and XXXX  told me to contact them
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent collection accounts on my credit ( XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to put a credit freeze at Experian on my accounts, and have been rejected several times on the on-line and telephone services. I CAN NOT get anyone on the telephone to ask why I have been rejected. I have been able to put credit freezes on the other two credit agencies VERY easily, online, with no difficulty. Experian is requiring that I assemble a cumbersome amount of documents and mail them in - this is NOT buying a house! I would like to talk to someone and put a freeze on my account immediately, instead of taking weeks to do this through the mail. The Experian on-line and telephone system is completely cumbersome and useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXXXXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX XXXXXXXX provides an audit of all payments received from XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.