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

I am submitting this CFP Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$16000.00} CXXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXXXXXX XXXX XX/XX/2022. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Debt collection

I paid the original creditor, XXXX XXXX XXXX, ( which was a fraudulent account opened by my ex-spouse with my information without my permission, as he is an employee of XXXX XXXX XXXX ), and then a month later a collection for that same bill showed up on my credit report.
Product: Mortgage

A delinquency notice ( attachment A ) was recieved on XX/XX/2019 indicating the payment due on XX/XX/2019 remained unpayed to J.G. Wentworth Home Lending. This loan was transfered to XXXX XXXX XXXX XXXX on XX/XX/2019 ( see attachment B ) with an effective date of XX/XX/2019 ( see attachment C ). A letter from J.G. Wentworth notifying us ( XXXX XXXX XXXX & XXXX XXXX XXXX ) of the transfer was never recieved, but during a call made to J.G. Wentworth 's Customer Support Center on XX/XX/2019 at approximately XXXX EST the customer service representative confirmed that XXXX XXXX XXXX XXXX appears as the loan servicer. 

In addition, there has been a failure to provide accurate information during the transfer of the loan. The outstanding principal ammount reported to XXXX XXXX XXXX XXXX was {$280000.00} ( attachment D ). This ammount is incorrect. Before transferring the loan the outstanding balance at J.G. Wentworth Home Lending was {$280000.00} ( attachment E ). The missing ammount is the additional principal payment of {$540.00} made on XX/XX/2019 which was not reported to XXXX XXXX XXXX XXXX and therefore not reflected in their outstanding principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from CitiGroup. I have no banking relationship with this company and theyve pulled my credit on 4 separate occasions without my permission on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from XXXX XXXX, XXXX and XXXX. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.
Product: Credit reporting or other personal consumer reports

I DIDN'T OPENED THIS ACCOUNT I NEVER GAVE ANYONE PERMISSION TO OPEN A XXXX XXXX XXXX XXXX XXXX IN MY NAME. THE ACCOUNT WAS OPENED ON XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THIS ACCOUNT FRAUDULENTLY OPENED. I MOVED OUT OF THAT ADDRESS ON XX/XX/XXXX.
Product: Debt collection

Actually this is a very serious error by Paypal. I was a part of a group of ministers that had a markeXXXX XXXX XXXX We used Paypal for the small amount we received. In 2019 I received a 1099 - tax document in my personal name. I immediately reported it to Paypal. The Paypal account belonged to XXXX XXXX XXXX XXXX. They apologized but I was not aware they had sent it to the IRS in my name. I began getting threatening letters, allegations of me not filing the taxes and demanding money from me. I contacted Paypal and they provided a copy corrected tax document which was corrected and sent to me. I submitted it to IRS. IRS has continued to aggressively threated me, pursued me and demanded payment. They claim that Paypal never submitted a corrected copy. I have writin Pay Pal over and over on the phone. They promised they would resolve things with Paypal. Paypal never responded to me or the IRS. I write the CEO and General Counsel twice and sent the mail by certified mail. Paypal still ignores me. 

PLEASE HELP ME GET PAYPAL TO UNDERSTAND THE SERIOUSNESS OF THIS MATTER. I AM SICK AND UNDER DOCTORS CARE, THEY HAVE CAUSED ME ALOT OF FEAR AND STRESS - XXXXXXXX HAS BEEN AN OPTION BECAUE I CAN NOT EVEN FATHOM BEING PURSUDED BY THE IRS. ALTHOUGH I DO NOT HAVE ANYTHING IT IS NOT ACCEPTABLE I AM SUFFERING DUE OT PAYPALS NEGLIGENCE AND NOT TAKING CARE OF THEIR ERROR WITH IRS. 

HELP ME! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX PLEASE SEE DOCUMENTATION - PAYPAL IGNORES ME!
Product: Debt collection

After receive a default judgement from this company on XX/XX/XXXX, I started to do some research and found that the company has filed several small claims law suits on me without proper notification. I recently sent the company a debt validation request and the information that I received was not the proof of evidence that I requested. I request for the company to send me a signed contract or agreement bearing my signature indicating that I agreed to make payment to them or I even owe the debt. However, I did not receive the documentation I requested. I was sent credit card statements instead. 

What is more disturbing is I found a court document on XXXX Co. Clerk of Courts website with a signature forgery. I didn't signed this document and has never seen it before XX/XX/XXXX. Nevertheless, someone signed my name to the document and filed it with a court of law. This company has committed fraud against me and I will be filling a complaint with the XXXX  and the Office of Attorney General. I am further contemplating contacting a law to represent in a case against this company and it's affiliated partners for unethical and unlawful practices.
Product: Checking or savings account

I paid $ XXXX for a product on XX/XX/XXXX and the seller never shipped the product. 

I contacted Wells Fargo to file a dispute and they state they are unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

i have written Navient letter on 2 times requesting to stop calling me and to contact me by mail. they have yet to do so. they have contacted me every day 2 times a day since the phone call in XXXX.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AARGON AGNCY ( Original Creditor : XXXX XXXX  XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. MUST remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX account number XXXXXXXXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX  on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I called and asked procedure to have pmi removed previously, was told on the phone once its paid down to 80 % just call and request. When I called back to request was told I had to pay for a new appraisal. My home was appraised at XXXX when purchased I have paid balance to {$160000.00}. I sent a letter in writing stating I have reached the below 80 % range in addition sent copies of current XXXX which is now {$250000.00} and copy of current XXXX which shows {$260000.00} All payments have always been up to date, insurance kept up, taxes kept up my loan is eligible to have pmi removed and the mortgage company refuses to remove it unless I pay through them a {$600.00} appraisal fee. The property is well kept and worth well over the original purchase price. I have submitted proof and have requested pmi be removed in writing Its my understanding that is the process and the pmi should be automatically terminated but my mortgage company Roundpoint Mortgage Servicing Corporation refused to do so.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the presence of fraudulent items on my credit file, despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough and expedited review of my credit file and the procedures and systems used by your organization to manage credit information. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address this concern and provide me with regular updates on the progress made in resolving this matter. Transparent communication and proactive engagement are essential in restoring trust and confidence in your organization 's handling of my credit information. 

In conclusion, I implore you to treat this matter with the utmost urgency and dedication it deserves, recognizing its significant implications for my financial well-being and peace of mind. Together, through collaborative efforts and decisive actions, we can rectify this issue and ensure the integrity and accuracy of my credit file. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, MO XXXX MO XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated Information : Previous CFPB Complaint # : XXXX Requesting for a Consumer Financial Protection Bureau Agent or Customer Service Agent to get involved expeditiously in holding Experian accountable to the Federal laws put into place by Congress Please See Attached Bonafide Documentation- to support DEMANDED Block and Deletion of accounts and inquiries USPS Tracking Experian Dispute Center # : XXXX Delivered, XXXX XXXX XXXX, TX XXXX XX/XX/2023, XXXX XXXX  ( Bonafied Documentation Attached below ) USPS Tracking Experian Corporate Headquarters # : XXXX Delivered, Individual Picked Up at Postal Facility XXXX XXXX XXXX CA XXXX XX/XX/2023, XXXX XXXX
Product: Bank account or service

I opened a premium savings account with Chase Bank ( where I already had a checking account ) and the representative told me the linked debit card included up to 4 fee-free withdrawals from non-Chase ATMs. When I asked him to clarify that these transactions would be completely fee-free he said " yes, no fees, it 's just like you are withdrawing from a Chase ATM. We cover all the fees. '' This oversimplification led me to believe I was being reimbursed for all fees related to the ATM draws. For a year and a half, I used this feature and was charged by the processing bank 's ATM for every single transaction. I recently noticed these charges and called to ask why my non-Chase ATM transactions still have fees associated. Though I now realize that these are fees charged not by Chase but by the banks that own the other ATMs, the banker 's oversimplification has cost me money for 18 months. They said they had no way to reimburse me for these costs. I feel that one of the main features that led me to choose this card was n't a real feature at all, and I 'm out of money just because this banker was imprecise. 

I 'll mention that he also set up my debit card incorrectly when he first issued it, and I did n't have ATM access for days, so it seems that he might not have had proper training.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxx XXXX
Product: Mortgage

Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 15 U.S.C 1681c ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit card or prepaid card

On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Product: Credit reporting or other personal consumer reports

This is a follow up dispute complaint ID # XXXX. EXPERIAN has fail to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against EXPERIAN, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where EXPERIAN has neither corrected nor removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX  XXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a XXXX XXXX XXXX XXXX XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX/XX/XX/XXXX XXXX/XXXX / XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX , XX/XX/XXXX XXXX  Acct/ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This is complaint and day Lost count. Pnc bank has dtolen money from myself and my Mothers estate that was left to her by my father. She left us 2 cd 's both IRA, one was worth just shy of XXXX, the other as of XX/XX/, it matured to XXXX. Now the bank claims it never exsisted. I have been wieghting 3 almost 4 montgs cost mr {$35.00} in XXXX fees and still nothing, but lies as to why it has not been fufilled. It is a travisty tbat this company treats its deaceased employees families as they do!
Product: Credit reporting or other personal consumer reports

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXXXXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX CARD - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Equifax.