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

This has been a continuous, ongoing issue. On XX/XX/XXXX, and it includes XXXX and Equifax, with Equifax being the main culprit for not removing inquiries after I notified them of them being unauthorized and reminded them of the police reports on file. 

I called Equifax to notify them that XXXX unauthorized inquiries on my credit report, I reminded them that I am a victim of fraud and that they have my police report on file. They told me to snail mail them a letter explaining the unauthorized inquiries, XXXX affidavit listing the unauthorized inquiries with the police report number listed on it, and my driver 's license and social security card. They have prevented me from disputing anything online. 

Traumatized as a victim of fraud ( that took years to clear my name from ) as well as a victim of their Equifax data breach of my date, I told them I was not comfortable sending any document with my full social security number on it and they stated that they understood, but to send what I could. I complied and sent everything they required of me, including a copy of my SSN card with the first XXXX numbers of my social security number blacked out. 

Equifax sent me a letter dated XX/XX/XXXX, demanding me to send a document with my full social security number on it. 

Again, not only can I not do that in good faith, but I sent more than enough information for Equifax to remove all of the listed unauthorized inquiries. I sent everything they asked for listed above, including a detailed XXXX  affidavit and police report that they also have on file. 

Why would a company such as Equifax, who has underwent a databreach several times damaging the consumers demand that we send out entire social security number with the only option of snail mail, while not offering an option for secure uploads? They have prevented me from disputing online.
Product: Credit reporting or other personal consumer reports

I have previously disputed these two listed as XXXX XXXX XXXX  ( original creditor XXXX XXXX XXXX also known as XXXX XXXX XXXX or XXXX XXXX XXXX ). Also account XXXX XXXX XXXX  for ( original creditor XXXX XXXX XXXX Texas XXXX ) in which also has been under the names XXXX XXXX XXXX or XXXX XXXX XXXX. I am again making a complaint because I disputed these accounts on the grounds of identity theft I was involved in several data breaches that involved my name, DOB, social security number, address, bank information, telephone number, etc and even by specifying this information it still was not acknowledged by Transunion. The Data breaches were XXXX XXXX and XXXX, XXXX XXXX, XXXX around XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, data breach of XXXX with XXXX XXXX XXXX , data breach of XXXX XXXX XXXX , XXXX XXXX , XXXX, and XXXX XXXX XXXX In my CFPB account under one of my CFPB complaints/ case numbers that are still documented. I submitted this identity theft report before explaining these same issues. I even have statements listed in my credit report/ credit profile concerning identity theft. 
I have received letters from other accounts and the most recent ones from XXXX XXXXXXXX in which there were two credit cards open in my name around those same years of these 2 accounts I mentioned in this complaint. Those letters stated they investigated that the accounts were not mine and I was not responsible and that they were going to ask the credit bureaus to remove those accounts. I wrote letters and submitted documentation to the accounts that I am disputing/complaint now and other accounts. These 2 accounts/companies have not sent me anything regarding this matter.

I have even had issues with previous disputes I made that were proven that were not mine on my report that was removed in XX/XX/XXXX and check my credit report and it was back on there in which I had to call this month to get removed. Another thing was there was a employer that I have never worked for that was added last month I got it removed because I never worked there and I have been with my current company for years. And this month XX/XX/XXXX I checked and that same employer was added again and I had to call the credit bureau to get it removed again. So there is alot going on.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : RESURGENT/LVNV FUNDING Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX  # XXXX XXXX XXXX XXXX  # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has XXXX 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 an account without my written instructions. B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I reported unauthorized charges on our credit card account XXXX and Bank of America did not even investigate our claim and didn't send any correspondences, they just sent one letter stating they denied our fraud claim. I read from numerous places and have been told that Bank of America has a practice of not investigating claims and quickly denies claims. This is an unethical practice and we should not be treated like this
Product: Checking or savings account

I have been targeted in FRAUD. I received a letter of Insufficient funds/returned items from BMO Harris bank . I did not have an account or opened an account with BMO Harris Bank. I wasn't aware that an account was open in my name until I received this statement of insufficient funds. The fraud amount was {$1400.00} with the balance amount of {$1800.00} according to BMO Harris records. This is FRAUD. This person should be Penalized... Please Advise.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Vehicle loan or lease

Per their website, I called TD Auto finance to get a lien release letter or some sort of documentation that I paid off my loan. Im trying the get a title since i never received the original title in the mail. 

Each time I call, Im told that they can send me the form by mail ( within 5-7 days ) or fax ( within an hour ). I chose mail the first 3 times, waited over a week but never received the document. I have also asked to have it faxed and never received the fax. Ive had to tell them my new address on at least 2 occasions which means it wasnt changed in the system as I had been lead to believe.
Product: Mortgage

I was charged for forced place insurance and property taxes of {$7000.00}, which went into default and then foreclosure. I had already paid the insurance and taxes they finally acknowledged ; however, PHH received {$8200.00} from the XXXX relief fund. Yet they refuse to issue me a refund. I paid my insurance and taxes ; they state that XXXX paid it then XXXX relief was also paid ; then how do I get assistance? Because of my age, I can't get assistance from the company. 

XXXX XXXX  PHH Servicing
Product: Mortgage

My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made Experian, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$10000.00} they are reporting on my credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report, immediately by the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Experian has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n
Product: Checking or savings account

I previously filed a complaint against Bank Of America ( BOA ) concerning the closing of my wife 's checking account. The complaint number is  XXXX . I had hoped to add the following information to show how they respond to customers.     This morning I received a phone call from BOA regarding the complaint listed above. The caller stated that the call could be recorded for " quality control ''. When I informed the caller that I intended to also record the call I was informed that the call could not continue under those circumstances. It seems to me that if I must agree to them recording the conversation, I should be given the same courtesy.     Because of previous misstatements I believe that having a record of all communications initiated by BOA is necessary.
Product: Checking or savings account

Fraudulent charges on Chase banking account for roughly {$350.00}. Chase will not stop the charges or credit my account. Not even temporarily. I am overdrawn as a result and have no access to my funds for gas or groceries. I have had to replace my debit card XXXX  times this year due to this reoccurring issue.
Product: Credit card

I applied for a care credit account XX/XX/2015 for XXXX. That account was not closed but was paid off. On XX/XX/XXXX I recirved a care credit master card in the mail. Called to inquire because I had never ordered or requested a card. The representative advised me that this account was open for me and card sent because they upgraded my account to a MasterCard. I was surprised to hear that I had XXXX accounts open with them. As I only opened XXXX last year. When questioned, the representative advised me that this second account was opened for me last month. I cancelled XXXX accounts. They were not authorized to open that second account. I am upset by this it appears an employee may have opened this fraudulently without my knowledge. In addition, I was not aware a card was coming so someone could have taken my mail and activated it. This is a very sketchy and unsafe practice. I would appreciate if someone could look into Care Credits business practices for opening accounts.
Product: Checking or savings account

I opened the account at the in XXXX and my open date was changed along with statement information such as deposit amounts and credits within the bank. I just as called by the personal banker at heineins XXXX Ohio branch to come back and sign another document to verify identity of me being the owner of the company when the information was provided at the beginning this was around about XX/XX/2020. I advice him that I had signed this document already but signed again anyways. He stated that they didnt have it and needed it signed again and resubmitted. Then on XX/XX/XXXX I experienced a decline with the same account was told to call and I spoke with someone and he stated that it came up that I was in California and I wasnt. I couldnt make transfers to access my money and I wasnt told anything but to call my branch. I called my branch and spoke with my personal banker XXXX and he said he didnt see anything wrong with my account and that he would issue me another card but when I tried to use it. It came back decline again while the branch was closed I called the XXXX number and the lady told me that a representative named XXXX closed my account and it says that he needed more information on the business. I am very disgusted with whats going on and would like XXXX to stay out of my account or whomever is deleting documents that verify the business that is available in the state website by the way
Product: Credit reporting or other personal consumer reports

I am writing to let you know that I am a victim of identity theft, someone use my information without my permission and there are accounts on my credit report that I didnt open. according to 15 U.S.C. 1681c-2 ( a ) of the fair credit reporting act, I have the right to ask to block and delete these accounts from my credit report within four business days. ( Please delete and block these accounts before I seek litigation for defamation of character. ) XXXX XXXX {$7200.00}XXXX XXXX XXXX balance {$720.00}, XXXX XXXX XXXX  balance {$210.00}, XXXX XXXX XXXX {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal
Product: Debt collection

Dear CFPB, Please find my complaint against CoreLogic and XXXX for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if XXXX paid for my taxes. 

XXXX XXXX had no records that XXXX paid my taxes - but it was done by CoreLogic who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed XXXX from their MSP system, XXXX was unable even pretend to do any servicing functions. 

XXXX on XX/XX/XXXX told me that CoreLogic as their " tax vendor ''. 

CoreLogic previously claimed that CoreLogic has no relationship to my loan. 

Since CoreLogic is now my " tax vendor '', I demand CoreLogic to confirm their status as XXXX 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom XXXX and CoreLogic are servicing. 

XXXX informed me that Servicing rights were transferred to XXXX ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) XXXX  continue to insist that they PURCHASED my loan from someone whom XXXX can not identify. XXXX never mentioned any sales of my loan to XXXX. 

I demand XXXX to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX.. My taxes are paid by CoreLogic who bear to repeat deny their relationship to my loan. 

XXXX continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that XXXX  is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are CoreLogic and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or XXXX, but rather with XXXX XXXX and CoreLogic, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by Corelogic from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Lie number XXXX this morning all before XXXX but this says non monetary relief WHICH IS ABSOLUTELY WORTHLESS give me back my XXXX months of on time never late payments to XXXX but you won't because your a fraudulent company BUT ITS GETTING CLOSER
Product: Debt collection

I sent request for verification / validation of debt. Company failed after 30 days to submit proper paper work.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2019 I called Amex customer service XXXX to inquire about return protection which was on an insert included in my monthly billing statement. I reached XXXX. He said he didn't know what it was and would transfer me. I got XXXX. He was outside of Amex. He said he did not have any information about my account. He wanted my Amex account number. He said he did not have any ID number, no last name, not phone number which he could be reached at, and no supervisor on duty. He told me he could take my phone number and somebody might call me back in a few days. It is entirely possible that XXXX and XXXX were running a little bunco scheme. I was very uncomfortable. I wrote to Amex about this situation but have been ignored. Also, I have tried to contact Amex about making some changes to my rewards account and usage of the rewards points and have been ignored also. Amex should have protocol in place to protect card member information from compromise by Amex employees. Much of this ID and other crime is committed from inside.