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

I am refiling this complaint to UNITED COLLECTION BURE for allowing the fraudulent account on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Product: Credit card

Hello, I paid my monthly maintenance fees on the 3rd of each month. I scheduled my payment on XX/XX/year> and it processed XX/XX/year>. Thus, I scheduled ahead of time. Yet they reported this as late to XXXX and all other credit bureaus. See example screenshot below, I took the screenshot from the XXXX website. It is a derogatory remark on my account, says that my {$15.00} were reported as late by Continental financeXXXX XXXX XXXX I spoke with the executive team at the company and they REFUSE to remove that incorrect reporting, even though they have agreed that I was never late. 

They have been reporting this as incorrect to their company since XXXX, I contacted them on XX/XX/XXXX and they never responded to my email until I recontacted them yesterday, XX/XX/XXXX. They are completely unprofessional and its been a horrendous experience.
Product: Mortgage

When businesses were ordered shut during the beginning stages of COVID-19, my wife was one of the unfortunate employees to become laid off. Due to her income loss, I researched and discovered that I have a XXXX XXXX home loan, which was deemed eligible for a 3 month forbearance. I applied through the Wells Fargo website ( servicer ) and was granted a forbearance until XX/XX/2020 through a letter that was sent to me on XX/XX/2020. 

I received my normal monthly statement requesting payment due on XX/XX/2020 but thought the statements were already generated prior to my application and approval for forbearance. However I received another statement for my XX/XX/2020 payment which included a line item for past due amount and the due date still reflected XX/XX/2020. I was concerned so I made an appointment to visit a Wells Fargo Banking employee in person to discuss this situation. When I arrived, I was told the banking employees were not able to get involved with home loans but that the employee would try to call the home loan department and find out what was going on. After the employee spoke to the home loan representative, the employee told me that everything was fine and that the home loan employee was showing the account was in forbearance and not past due or at risk for foreclosure. 

I then received my XX/XX/2020 statement and the statement still reflected that I had overdue payments that were owing since XX/XX/2020 in addition to a separate letter that stated my account was in past due status and that failure to bring your loan current may result in fees, the acceleration of your repayment terms or the possibility of foreclosure. 

I attempted to call the number on the letter but was unable to speak to a representative due to the extremely lengthy hold times ( my cell phone battery ran out both times that I tried to wait to speak to someone ). I called many other times but was greeted with the extremely long hold times recording. 

Due to the threat of foreclosure, I diverted funds from other obligations so that I could pay my account in full to avoid foreclosure.
Product: Credit reporting

XXXX HAS INCORRECT XXXX, IS A FRAUDULENT TRADELINE AND MUST DELETED.
Product: Credit reporting

I received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use
Product: Debt collection

On three separate occasions, XX/XX/2024, XX/XX/2024, XX/XX/2024, I have sent certified letters requesting signatory evidence that I have ever opened an account with XXXX XXXX XXXX XXXX Resurgent Capital Services who is acting as a collection agency for XXXX XXXX XXXX  has sent me back three identical form letters. Each letter contains this statement, ( 'We have reviewed your dispute and applicable account records and determined that there does not appear to be sufficient information to support your claim of the inaccuracy. We therefore deny the alleged inaccuracy because of our belief that our information regarding the account is accurate. ' ) I find it interesting that Resurgent Capital Serices has account records and sufficient information to deny my claim of inaccuracy. Why if they possess so much information to make such an important determination why am I not entitled to see copies of these records? I think the answer is quite obvious, they do not have any information to prove the debt belongs to me. I believe Resurgent Capital Services will continue you to deny my what I am legally entitled to in the hopes that I will pay off a debt that is not mine. This company is blackmailing me with my own good name and credit reports. 
I have filed a small claims court suit through the XXXX  Attorney General 's Office on this issue on XX/XX/2024 with XXXX XXXX XXXX, which acts as Resurgent 's registered agent. On XX/XX/2024 I filed a small claims case in my home state of XXXX. I am pursuing every option availabe until this inaccurate information is removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent collections accout on my credit report in XX/XX/year>. I've reached out to Experian, the original creditor, the collections agency, the local authorities, and the FTC to files a claim against the fraud. All the agencies I've reached out to have provided reports to me and Experian stating this was fraud and should be expunged from my credit. The original creditor and the collections agency have contacted Experian directly. I have uploaded NUMEROUS files per their request to demonstrate that this is due to identity theft. After over 6 weeks of constant attempt at jumping through hoops for their ludicrous requests, Experian continues to send me emails refusing to expunge the fraudulent account from my credit. The last email, sent this morning, says it was denied for the following reasons : and then had nothing provided. I've attached this email here. it also asks for a copy of my identity theft report, which I've already provided them. They then asked for me to create a police case with the identity theft report, which I did & then provided to them. They then inaccurately said the report did not show it was submitted, in which I pointed out the area where it does state this and gave additional documentation proving it was submitted. I've spoken on the phone to XXXX separate agents who were not able to provide any insight as to why it is still on my account. I want this removed from my account and I want it noted that Experian perpetuates fraud. They have consumed no less than XXXX hours of time having to track down the various reports they're requesting, then refusing to accept the reports, then furthermore refusing to acknowledge that the original creditor and collection 's agency admitted to it being fraud. I feel that I should be compensated for my time, but at this point I just want it removed from my credit.
Product: Payday loan, title loan, or personal loan

XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable  Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable  adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX   Credit reports to verify the information they are reporting. 
Trans Union responded in writing indicating the following accounts are not on my Trans Union Account  and not being reported. XXXX  has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX ) pulled credit report fraudulently. 
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all XXXX of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting Brclysbankde Inquiry from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bk Of XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 information relating to any transaction by the consumer. 
XXXX XXXX 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: Checking or savings account

I contacted Chase bank when my ex husband of 18 months got involved in a romance scam for nearly {$10000.00} and I realized that I was still a co- signer on the joint account. He was handed my ATM card at mediation and should have taken me off the account. I had an account in my own name into which I get a paid a small SS payment. I contacted the bank beginning XXXX and they stated I could have a signatory card notarized to remove me or XXXX XXXX could write a letter with proof of ID to remove me. I moved to the XXXX after the divorce ( I have dual nationality ) so XXXX XXXX was asked to do this. My XXXX  went to the bank to confirm. XXXX XXXX has failed to take any action and the bank closed my single account with no notice. They tell me to call but no one has a landline to reverse charges internationally and there is a reluctance to converse by secure message and/or email. I am being punished by the bank for my ex XXXX  's stupidity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX  account and I never got my refund check for the over payment.
Product: Checking or savings account

This is a continuation of case numbers XXXX and XXXX which was to have been resolved as I received the {$75.00} credit to my account today ( thank you ) BUT along with a DEDUCTION {$120.00} for the second time so as a result I am now OVERDRAWN. 
On XX/XX/XXXX I made an AUTHORIZED PURCHASE from XXXX, US BANK somehow sees this is an unauthorized purchase. I received a {$120.00} refund from XXXX on the XXXX which was listed as " adjustment maestro '' but on XX/XX/XXXX {$120.00} was deducted from my account also memo as " adjustment maestro '', the Bank told me this was XXXX. I investigated XXXX, it was not them. 
I filed a FRAUD COMPLAINT with US BANK about the XX/XX/XXXX transaction on XX/XX/XXXX, US BANK dismissed it the following day and on XX/XX/XXXX reported my debit card STOLEN. 
The Fraud complaint I filed on XX/XX/XXXX continues to be ignored, they gave me a provisional credit for the XX/XX/XXXX transaction which was authorized, took the provisional credit back today at the same time that I received the {$75.00} credit from you ( thank you ) and now I am overdrawn. I am elderly, XXXX, live alone in a rural area XXXX mi from the nearest bank and for the second time I have no access to any funds. Further punishment seems to be in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX post Requested an hard inquiry on me credit report with XXXX XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed bankruptcy was XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I was basically forced to finance a purchase that was originally in my ex-husbands name. The company was threatening to send me to collections. Down and signed the documents then the next morning I got my documentation together and decided to cancel.. I called Wells Fargo bank financing and told him that I did not want to use their financing. They told me that they were going to cancel the financing and close the account. I recently received a bill, and now they bill me.
Product: Credit card

MACYS/CBNA {$1000.00}, In this account it was sent out to the wrong address which was stated on many of the bills as XXXX XXXX XXXX, XXXX, CA XXXX. The address was completely incorrect, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I had a XXXX XXXX XXXX this address where my other bills were forwarded to my XXXX XXXX XXXX I had to make the proper change before moving. For about 1 year, Macy 's was sending my bills to the wrong address Documentation has been mailed to me with the incorrect error on my credit report. I contacted them on XX/XX/XXXX, to make the proper changes, but was too late and my account had been sent out to the collection agency at XXXX and XXXX. 

The latest settlement offer was from client services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Account XXXX XXXX settlement offer of {$620.00} before XX/XX/XXXX
Product: Debt collection

My credit report shows a third party collector is attempting to collect the debt from me. XXXX XXXX Midland credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute the items below via Eqifax 's dispute site however the page does not successfully load ( see screenshot ). Per the FCRA I have the right to dispute incomplete or inaccurate information. My Equifax credit file # XXXX shows combined/duplicate trade lines for XXXX # XXXX with a past due of {$180.00} and XXXX XXXX # XXXX also with a past due of {$180.00}. Both trade lines show the same address and phone # of XXXX XXXX XXXX XXXX, WI-XXXX ( XXXX ) XXXX. It is clear that the two referenced trade lines are both inaccurate information and per the FCRA must be deleted from my credit report. In addition the XXXX XXXX trade line is outdated and has been removed from my XXXX and XXXX  reports via FCRA guidelines which states " Consumer reporting agencies may not report outdated negative information. '' These trade lines continue to be reported which is a violation of the FCRA. Please delete both trade lines immediately. My passport info included to confirm my identity.
Product: Money transfer, virtual currency, or money service

Venmo suddenly froze my account after I received a payment for what they called suspecious activity because the instant transfer feature wasn't working as it almost always is down, so I attempted to add different cards hoping one would allow me to transfer my money from venmo to my bank account and they flagged my account and froze it. I have since jumped through a million hoops providing everything they asked for and in turn have up. Well I randomly alsaw an email I missed from almost 2 months ago saying my previouly held funds could now be transfered out through a normal bank transfer but not through an instant wire because of the still in place account limitations. So I go on there to do so and it pops up saying my account has been permanently suspended now. They won't allow me to add a card or bank account to my account to transfer the money out nor can I send it to another user and they won't reply anymore. I have been trying to get this money since XXXX of this year I think maybe XXXX I will get an exact dade but going on 5 months now I have had my money stuck on there platform
Product: Credit card or prepaid card

To Whom it May Concern : I am writing to dispute a fraudulent charge on my Discover account in the amount of ~ {$500.00}. I opened the account in early XXXX and shortly after fraudulent charges began to appear. I was unaware of the fraudulent charges until today, XX/XX/XXXX. I am a victim of identity theft, and I did not make these charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act 's amendments to the Truth in Lending Act, 15 U.S.C section 1666-1666b, 12 C.F.R section 226.13. See also 12 C.F.R section 226.12 ( b  ). Thank you for your assistance.
Product: Debt collection

Ability Recovery Services has never sent anything communicating with me. They have violated the FCRA/TDCPA by not providing me with the opportunity to dispute this information I am not able to request debt validation from them. This has been disputed with the CRA 's and is negatively affecting my credit.