23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I requested the card several time and never received it. As a final attempt, I called in XXXX for the card to be sent to my new resident and they seem to have mixed up my accounts as I do have several credit card accounts with them but I never got it and the account was closed due to non use ... .How do I use an account I don't have the card for. Anyhow I called to see what had happened and they advised that they sent it out and it was undeliverable because they didn't have my unit number and they then closed the account. I feel they should have took into consideration that I have been trying to get the card to use the account they fail to successfully send the card. The mangers I spoke to show no empathy and didn't investigate my other accounts to see how many times they replaced my other accounts credit cards when they were supposed to replace this specific one. Very frustrated by this as it affected my credit, their policy only protects them!
Product: Mortgage

I purchased a home from XXXX XXXX in XX/XX/2018 XX/XX/XXXX used Movement Mortgage as one of there lenders I did all my paperwork with Movement Mortgage to receive a MCC Certificate.I tried to use it this year an was directed back to my lender to find out that it wasn't attached to my loan but they had everything I signed to receive it.This is not acceptable from a Mortgage company 30 year loan agreement with missing documents.
Product: Debt collection

This company is trying to collect a debt not mine and is just brushing of the fact that I had no oppertunity to validate debt .. they have not shown me my prof that makes the debt legally mine plus the debt is beyond the statue of limitations
Product: Debt collection

The business did not have a permissible purpose to pull my XXXX credit report on XXXX.In fact, I do not owe any debts related to this debt collection mill that falls within the Statute of Limitations. 

Identifying information is as follows : MIDLAND CREDIT MGMT IN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not  communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX  Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX XXXX
Product: Debt collection

Approximately XX/XX/XXXX, I hired a law firm to dispute a fraudulent debt that showed up on my credit report with Dynamic Recovery Solutions in the amount of {$4800.00}. We sent them a fraud packet and advised them the debt was fraudulent. I understand the original debt was from XXXX XXXX and Dynamic was responsible to forward my dispute to them as well. A response to the dispute was never received. I assumed it had been resolved. Later, I realized the debt was still showing up on my credit so I had another dispute sent it again in XX/XX/XXXX/XX/XX/XXXX. When we followed up with Dynamic Recovery they advised the debt had been sold to XXXX XXXX XXXX. This debt should not have been sold because it was identity theft. I contact the number for XXXX XXXX and it appears to be a bogus number. I have attempted to dispute this with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WITH XXXX XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some items have been removed, and I appreciate your action on those. However, some fraudulent items still remain on my report. I request that the three Credit Bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I requested information regarding potential mortgage products from XXXX XXXXXXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of XXXX XXXX XXXX XXXX to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : Experian, XXXX and XXXX and they refuse to even investigate this.
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 : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote to XXXX XXXX XXXX and Trans Union to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote XXXX XXXX XXXX they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is Experian. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly believe they are fraudulent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC XXXX Dispute Processing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX Red Arrow Highway XXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquired from XXXX XXXX XXXX on my TRANSUNION consumer report. I have no knowledge of this inquiry. I have filed a FTC Identity Theft report which is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, XXXX, Transunion is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Lakeview Loan Servicing LLC as of XX/XX/2020. Lakeview Loan Servicing LLC has listed my property address incorrectly for a home that I am in no way associated with. I have spoken to XXXX XXXX XXXX XXXX multiple times and they informed me that I will have to obtain a XXXX form from the XXXX XXXX and mail it to them to correct this. I have been to multiple post offices and they have no knowledge of this form. I do not appreciate that XXXX XXXX XXXX XXXX is making me try to fix this problem myself when they are the ones that created the issue. I am extremely worried that i have been paying for the wrong property and my property may be foreclosed on due to payments not being processed for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is on my credit report.Someone tried to inquire credit. This is fraudulent. I have provided a police report and it still have hasn't been removed.
Product: Credit reporting or other personal consumer reports

XXXX PROCOLLECT INC is reporting the above account on my consumer report as a collections account. I have already refused to pay this account off. By law, PROCOLLECT can not continue to collect on this debt per MISSISSIPPI 'S 3 year statue of limitation law when it comes to collect on a debt. This account exceeds the 3 year limit. Therefore it can not be collected. I have sent PROCOLLECT a cease and desist previously, demanding to stop all communication with me including to stop reporting this account on my credit report. I demand that this account be deleted from my credit report within15 days or i shall move to more legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights, XXXX XXXX XXXX  ACCT. # XXXX, XXXXXXXX XXXX associates acct. # XXXX XXXX acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXX XXXX, acct. # XXXX, XXXX XXXXacct. # XXXX my nights. 
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 a acodunt without my written instructions
Product: Credit card or prepaid card

i am a XXXX senior and was a victim of XXXX  and XXXX  XXXX on XX/XX/19. they stole all the money from my XXXX  direct express card. this caused me to be evicted because i didnt hav rent money and has snowballed to the point i am XXXX. the robbers took XXXX $ unauthorized. i have cooperated with law enforcement, the direct express fraud dpt. and the suspects were arrested with my dir, ex. card my id ... on their person. they are in jail i am awitness for the trial XXXX XXXX one was realeased on bond and and i on the XXXX  and woried they might retaliate plu this last 2 nights were the coldest of the year and im about froze. all the direct express people need to do is contact the XXXX okla police dpt or the XXXX county okla dist attys office my case is XXXX. the direct express fraus investion # XXXX the police have atm video of these robbers using my card even! dont refer me to anyone else ive contacted every senior victims assistance place etc.. and i cant even find a XXXX   XXXX  to stay in. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed public record that I did not make nor did I approve anyone to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXXXXXX XXXX  ACCT # XXXX, has violated 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 a account without my written instructions
Product: Credit card or prepaid card

I brought the ticke to klarna for {$670.00} Still no had ticket either reservation still no refund my {$330.00} I give down payment for buy the ticket still say investigation and nothing happened until todsy
Product: Mortgage

On XX/XX/XXXX we were send paperwork to sign and notorize having been approved for a partial claim loan modification. We returned the required paperwork and received letter dated XX/XX/XXXX from our mortgage provider that they had all required documents and were waiting on documents from investor. Without any further clarification we received letter from an attorney stating our home would be scheduled for foreclosure with an auction date of XX/XX/XXXX. I have a confirmation from our account page stating that our decision was due by XX/XX/XXXXXXXX During this same timeframe our mortgage provider changed names from Specialized Loan Servicing to Shellpoint. The account site for SLS was no longer available after XX/XX/XXXX and now have to sign in through Shellpoint. They have not honored the partial claim modification for which they provided the required documents and we returned by the XX/XX/XXXX date stated on our account page. I am looking for assistance in cancelling the pending auction date while working with Shellpoint to resolve the original partial claim offer. I have copies of all documents for review. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  are reporting incorrect information on my credit reports. There aXXXX XXXX XXXX XXXXyments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

Transunion shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the XXXX  report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account Transunion is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Capital One Auto Fin. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, 2024 CB XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX BANK XXXX Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX
Product: Checking or savings account

I want to setup a auto withdraw but always come up with an error