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

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/year> after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/year>. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company is reporting 1. An account that does not belong to me 2. That account is past due This account does not belong to me I have never lived at the address nnor did I open this account. The creditor is also reporting this debt an active account noting past due dates. I have sent letters to this company with no response askin for a copy of the contract or any such documents to validate this. I have also filed a Identity Theft report as well
Product: Credit card or prepaid card

I have a Care Credit Card. Ill be paying these card religiously since become open. 
Still the account does not go down. 
{$2400.00} dollars card, paid {$800.00} already, card still the same amount. I contacted Customer Service, I spoke with Supervisor XXXX ID # XXXX and she threat me 4 times to hang up the call, when I wasnt using any profanity. Because I work Customer Service myself, so I know how to conduct myself. I asked how many late fees I had because I really dont know by XXXX the due date, because they never sent me text alerts, which I chose for, and she said one in XXXX.. I asked can you waive that charge? As one time customer service..She asked me why? I work Customer Service.. I know how this work. I told her because I forgot to pay, I dont have clear the dates.. 
and she told me : you knew. She can not tell me that I knew because she did not know what I remember or what I forgot. I asked for another supervisor, no was available, I ended up hanging.I always pay late because I dont have an alert for this, they charge me apparently just one time, of course if they are ripping me off with the interest. {$50.00} dollars monthly like I owe {$5000.00} dollars, not even my XXXX XXXX loan.
Product: Debt collection

This complaint is regarding the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX They popped up on my credit reports. Claim I owe money to XXXXXXXX XXXX XXXXXXXX and reported them as my original creditor on my credit reports. I have never heard of this company. I can not XXXX  or find this business anywhere. I asked XXXX to provide proof they exist and they failed to do so. 

They provided an account number with the above XXXXXXXX XXXX   XXXX that is not any account number I have had. They provided an old loan from another company and hand wrote the account number on it. That loan did not match the XXXXXXXX XXXX XXXXXXXX. The date of the last payment date is blank and the Late payment amount is blank. They said they were a debt collector and now they said in my XXXX   complaint they purchased this debt from XXXX XXXX. 

They have robo called me for months, just changing the number slightly and that seems to have stopped with my XXXX  complaint. They threatened to sue me, garnish my wages, show up at my work, contact friends etc. They do not send statements just out false info on credit reports. The only letter they sent was in response to my complaint with them and includes all this inaccurate information. 

I asked them to take this off my credit and they refused to do so unless I pay them money. I said I am not paying money for an account that was not mine. 

I disputed with the credit companies and XXXX XXXX XXXX keep validating the debt as accurate and re-seasons the so called owed debt on my report. They have a principal balance that is not any amount I owe. They do not differentiate principal or possible accrued Interest. They said This debt was for a car and I never had a car loan with anyone but major lenders for my cars. I asked them to provide proof of a car or vin and they have failed to do so. 

They are in multiple lawsuits using the same type of fraudulent collection activity on other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Transunion about an account with XXXX XXXX XXXX. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to dispute XXXX XXXX XXXX # XXXX, # XXXX off of my Consumer report. Experian, XXXX both replied back as verfied accounts. Both companies have violated 15 USC 1681i 15 USC 1681e ( b ), 15 USC 1681 ( g ).
Product: Bank account or service

I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.
Product: Debt collection

Today, XX/XX/year>, I received an email from XXXX saying that someone named XXXX XXXX in XXXX owes {$830.00} for an account ending in XXXX. However, my name is XXXX XXXX, and I do not live in XXXX anymore nor do I have an account ending in XXXX. I believe this is a case of mistaken identity and I would like to dispute the collection of an amount I do not owe.
Product: Debt collection

The Hospital has taken my information and without my consent has sent it to a collection agency who is calling me non stop and threatening me if I do not pay. This collection company has also sent wrong information to all 3 credit bureaus, affecting my credit score and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XX/XX/2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notification that XXXXXXXX XXXX had received a credit card application submitted in my name. Afterwards, I received notification that my credit report was pulled by XXXX.
Product: Mortgage

Our mortgage was sold to this company called Fay Servicing based in XXXX IL. Our mortgage was originally with XXXX and was sold to Fay servicing. The amount of our mortgage payment with XXXX was {$1600.00}, and has steadily grown over time to its present amount of {$2000.00}. This is way more than we can afford and was wondering as a consumer what my next step would be. I have heard that this Company is in a class action lawsuit for their illegal practices. I am struggling to get the funds together to pay the {$15000.00} they were asking for last week, they called today and said they needed {$20000.00} to save my house from foreclosure. That's {$5000.00} more in one week, how can they do this? Please tell me what rights I have as a consumer if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint with the CFPB, XX/XX/2022 on XXXX XXXX  and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX ] Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number - XXXX Source of dispute information : XXXX XXXX XXXX. XXXX XXXX Big XXXX XXXX, XXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to Experian more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. XXXX  corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act conversion account numbers- XXXX, XXXX, XXXX, XXXX ( US DEPT EDXXXX ) XXXX has violated my rights.15 USC 1681 section 602a states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX placed accounts under my name at different times with different balances without my consent. They also reported them to my credit reports. We spoke with their employees namely XXXX XXXX - introduced as a sales consultant, & manager XXXX XXXX who both claimed not to work on commission. They enticed us saying we're making good financial investment, that it has some tax benefits similar to owning a 2nd home. They promised that XXXX XXXX would be possible. They also told us that we can make money from the timeshare if we decide to sell it later on especially because the resale value would also go up. They promised us not having to pay maintenance fees again. We were absolutely profiled, they asked us if we have credit cards, married, employed etc. Then they make it sound like they're giving a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. They promised us money, free vacations anywhere we want on top of the regular purchase which we weren't able to use because we never really received or got any of them as promised. We were also pressured by telling us that it's our last chance at the lowest price. They had us opened a credit card but we never signed any application, never received any copies of application, we were never informed of card or any other fees involved. Everything was rushed, they didn't even allowed us to read & fully understand the contract, we were also under the XXXX of XXXX. They have our IDs, we also felt threatened when they told us we have no choice but to do this. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. We could not get any answers after multiple attempts of trying to cancel, they just wouldn't let us cancel. We struggled with financial difficulties caused by this timeshare, plus the Covid issues that we made them aware of & that we just couldn't afford this. We're experiencing stress, high tensions because of multiple issues caused by this timeshare, we even loose sleep over the stress brought by this. Worst parts of my experience with this was not being told the truth about what was being purchased, telling us they are consultants, lies about maintenance fees. Overall, we felt manipulated, taken advantage of, lied to & defrauded throughout the entire thing. They'd even go as far as telling us that we had no choice but to purchase this.
Product: Debt collection

My wife left me a couple of months ago, and I recently started getting notices from debt collection agencies. She had apparently taken loans and credit cards out in my name, and has me around {$30000.00} in debt. I have frozen my credit and filed fraud complaints with the 3 major credit bureaus. I tried to file a police report and report it to the local prosecuting attorney, but since we are still legally married they wouldn't let me fill out a complaint for the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Fraudulent Charge-Off/Collection please remove XXXX  XXXX XXXX  Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the three major credit bureaus ( XXXX, Experian, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card

My Citi Prestige Master Card has been hacked repeatedly since XXXX XXXX. Cit is about to send me what will be my XXXX card since XXXX XXXX

Fraudster has not been able to use my card, but has been able to hack into Thankyou Rewards to steal my rewards points. Hacker somehow is able to change my log in information, change my email address, go to Thankyou, download gift cards and have them sent to newly created fraudulent email address.

Fraudster has done this four times since XXXX XXXX and has stolen approximately XXXX points, valued at {$25000.00}, each time. 

Each time, fraudster has used the same email address, XXXX for the receipt of the fraudulently downloaded gift cards. 

Fraudster is able to do all of this within an hour or two of my being able to activate and register new credit card. 

Yesterday I registered new card and immediately initiated wire for cash value of points ( $ XXXX ). I then left my house for the evening. This morning I received emails from Citi stating 1 ) wire transfer cancelled and 2 ) email address had changed. When I tried to log into my account my access was blocked because online password had changed. This was all accomplished within two hours of my reinstatement of the account and cash transfer request. And this is how it has gone the last three times I've been able to reinstate my account.

I do all of my banking online and have several other credit cards. No fraud issues with any other account. 

Over the past three months I've probably spent 100 hours dealing with this, talking to countless Citi personnel - Customer Service, Fraud Department, Thankyou Rewards Department, Tech Services, Citi Executive Response. I've even met with a customer service agent at a nearby Citi branch. My estimate is that I've spoken to around 50 Citi personnel over the past six months. 

I've changed passwords and email addresses for my account several times during this process. 

I've also had my desktop computer subject to a " deep clean '' virus scan and removal recently. 

At this point I have no confidence in Citi 's ability to protect my account. It took me many years to earn those points and I do not wish to simply walk away from them. 

Can you help?
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this morning, and I have no idea how they got there. As usual, I checked my credit report, but this time, strange discrepancies appeared. I refreshed my browser to make sure it wasnt a technical error, but the inquiries are still there. I urgently request that the documents Ive submitted be carefully reviewed, so I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Transunion you are reporting a highest balance of {$450.00} while XXXX is reporting a highest balance of {$440.00}. These numbers are inconsistent & are supposed to be the same if your are receiving them from the same creditor why are these numbers different?