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

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX  LA XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

in XXXX my loan with XXXX XXXX showed closed no information available. after many years looking for loan while lien stayed in XXXX name in XX/XX/XXXX loan appeared with XXXX XXXX XXXX  after requesting copy of assignment and note as proof of ownership i could not get documentation. 28 months later from XXXX XXXX XXXX XXXX  i received. after much investigating in XX/XX/XXXX i found information. XXXX XXXX  which is XXXX  XXXX and XXXX XXXX XXXX held loan until XXXX without sending any monthly statements or changing lien or placing on my credit report to find, sold loan to XXXX. XXXX allowed XXXX XXXX  to continue servicing loan for an additional 12 months with out statements or mailing an assignment. In XXXX XXXXchanges lien placing them selves as nominee.XXXX held lien for 14 months until XXXX XXXX XXXX XXXX XXXX as trustee changed lien again. i tried to work out with service provider XXXX XXXX XXXX but they would not send proof of loan. zombie loan was only XXXX dollars and no one i have talked with is acting in good faith. I have tried to resolve and all have dragged getting information for this includes XXXX XXXX XXXX XXXX XXXX. i applied for mediation but could not go forward as they would not produce note. I am at wits end trying to get this resolved. I have agreed to settle but the attorney office could not get letter drafted in a reasonable time 80 days with 23 days to settle.
Product: Credit card

I just received a statement with a balance of {$590.00}. 
I have never used the current credit card. I asked for a statement, and it shows another address in Alabama, and I live in IN. I have called Synchrony at least 4-5 times, spent hours on the phone to address this and was assured that the problem was corrected but I keep getting requests to pay. I believe it showed up on my credit report and I had to dispute the charge. It even had a negative impact on my credit score. 
Note the account numbers are different but the highlighted areas above are identical and the addresses are different, but my name appears above the AL address
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 I was informed that Select Portfolio Servicing published false information on my credit report, causing my credit to drop XXXX pts. I contacted the FTC and was told I could sue under the FCPA for any false reporting. I have had numerous issues dealing with this company, and after I informed the appropriate agency they retaliated by reporting false information on my credit report. In the month of XXXX after requesting an escrow closing, I received 11 letters from SPS, nothing having to do with my escrow account, except 1 letter. The other letters had nothing to do with what I was addressing. SPS did finally close my escrow account however, after checking online, I noticed the amount on my statement is wrong, my principal and interest adds up to {$530.00}. SPS has not modified my XXXX statement and they have not omitted the escrow account, which is closed. Moreover, as of XX/XX/2022, I have not received my mortgage statement. But they have sent 10 letters, not addressing my issue. They also sent me a letter with the following address : Select Portfolio Servicing, Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Ironically, I did not see a copy of the letter with the XXXXXXXX XXXX address online XXXX but I do have a hard copy. The letter stated to send my mortgage payments to this address. This is not the address on my mortgage statement. I have never seen this address. I have requested numerous request to receive my monthly statements on time, yet again, they are always late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Product: Student loan

I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education has approved my student loans to be discharged. Equifax refuses to remove the account after I have submitted supporting documents indicating the account should be removed due to my college committing fraud.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXXHAS 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 reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. Thank You.
Product: Mortgage

Loan application for HELOC applied for in XX/XX/2022. XXXX signed and funded on XX/XX/2022 at the XXXX XXXX branch office. Same day where I opened checking account and savings account with PNC Bank at the branch where I signed loan documents. Deposit accounts which were opened on XX/XX/2022 were closed on XXXX without clarification. Now PNC bank is wanting to change interest rate from XXXX to XXXX because they state an active PNC Bank account must be used for automatic ACH Payments. PNC bank will lend me hundreds of thousands dollars but will not allow me to maintain a checking or savings account where I can deposit the funds to have my payments automatically drafted from.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 

Several disputes have been mailed to the credit bureaus with no response at all. 

Your lack of accountability is enraging! False information in my credit report ignites intense anger. Unsubstantiated claims insult me. Accurately report or remove allegations. 

Listed below are the Collections that are being challenged XXXX - XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX  - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXXXXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXXXXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction.
Product: Mortgage

I am the POA for my mother. She has XXXX. My father died and her income dropped drastically. She fell behind on payments with Bank of America, as we are trying to get the house ready to sell. In addition, there are some inaccuracies in our records versus the bank. I have tried working with the bank as POA. I have called multiple times, written four letters and visited a branch but they wont talk to me as they dont have the POA documentation on file. I have submitted it 5 times.

In Missouri, foreclosure is non-judicial, so I dont even have the court system to help me. Finally, yesterday they acknowledged that I exist and assigned a dedicated customer to me and said they will TRY to postpone the foreclosure. There is {$120000.00} of equity in the house. That money is needed to take care of my mother. 

I need some immediate assistance to stop the foreclosure. Although, I can personally bring the account up to date I would prefer a little time to use my mothers tax return. I already have {$15000.00} invested in her house.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of my ID as proof of my identity.
Product: Credit card or prepaid card

On XXXX XXXX I attempted to make a payment of approximately {$2800.00} to my Chase Bank Credit Card account. The deposit consisted of 4 checks along with roughly {$1000.00} in cash. Unfortunately two of the check amounts were apparently were entered incorrectly by teller. One check was for {$690.00} and incorrectly entered as {$640.00}. The other was a check for {$730.00} that was entered as {$700.00}!! I contacted Chase the same day and they ere immediately able to review payment and acknowledged checks were entered incorrectly. They assured me that correction would be made since this was clearly a bank error. I followed up with a phone call on the XXXX because I had not received a credit and much to my surprise was told a supervisor named XXXX, in the payment department that I had been misinformed and that absolutely nothing can be done since amounts have already been withdrawn from banks????? Even though one of checks in question was actually a Chase bank check .I was told only thing I can do is to go back to makers of checks and have them pay the difference. I attempted 3 times to have my concern escalated and was put on hold for over 40 minutes ( I had phone on speaker ) and no one ever picked up?? I have since found out that the one check for {$690.00} did clear for {$640.00} so I will be able to get difference from maker, the other one for {$730.00} was in fact debited from that payee 's account for the full {$730.00}, see attached statement, although Chase only credited me {$700.00}. I have expended well over four hours trying to assist Case in correcting THEIR ADMITTED PROBLEM, but to absolutely no avail. While I know the dollar amount is insignificant, the total lack of service and inability to resolve a clear mistake is. I often make payment with money orders, I can't even imagine what someone would have to do to if Chase accepted that type of check and made a similar mistake.
Product: Debt or credit management

Lexington law firm services to fix credit as promised seen no results charges up front fees and monthly fees for services no redered year XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion violated my rights by verifying the accuracy oXXXX XXXXXXXX XXXX XXXX XXXX  payment history. 

THE PAYMENT HISTORY IS INACCURATE. XX/XX/2019 was only XXXX ' days late ; not XXXX.
Product: Student loan

I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tel XXXX XXXX This company will not remove the amount of {$1700.00} which they say I owe from My XXXX  Credit Report. I have tried to get them to remove this numerous times. I went to court and this account was settled. There was a voluntary dismissal in the state court of Georgia, XXXX County stating the acount did not belong to me. They keep on trying to make me pay for something that was not mine in the first place.
Product: Checking or savings account

Wells Fargo said that I had open an account and I never did a couple years ago and sorry to fix me up and everything count was in Wells Fargo ever so you know as defamation of character so you know just like just taking care of thank you very much and I have a blessed day oh and it was like 4 years ago they said it was down I believe
Product: Credit reporting or other personal consumer reports

Recently 1 looked at a copy or my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX