23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had my identity stolen and I have a debt in my credit report of {$21000.00} for a medical bill that is not mine. This thief went to the XXXX XXXX XXXX. First of all this individual stealing my identity lives in Texas, and I live in Illinois!!!! I need help catching this thief and putting them in jail. She is ruining my life. Please help me
Product: Mortgage

We had a mortgage with XXXX that was transferred/bought by Nationstar Mortgage LLC. We got a transfer notice from XXXX on XXXX XXXX. It said to send our payment to Nationstar for our XXXX payment. We did that and it was returned by Nationstar. We called them and they said that because we are a XXXX BK loan we could only call them on the phone to make a payment and it would be a XXXX fee each month. We have filed CH XXXX BK but the mortgage was not included in it and the trustee does not make the payments. We have been making the payments on time to XXXX Also we asked for statement or why we could n't access the online. They said they do not send statements or allow online access for XXXX bk loans. How are we to know that they have been allocating money to our escrow tax and have paid our taxes. I think we are being penalized for being a CH XXXX BK. It is going to cost us an extra XXXX dollars each month to pay our mortgage. Then we have no proof they have posted the payment and paid our escrow. They also gave us a different address for the company than is on their website and in the transfer letter. We are unsure as to what is going on with our Mortgage. This seems a bit shady.
Product: Mortgage

On or about XX/XX/2021, the following unfair or deceptive act occurred : I was offered a repayment plan beginning on XXXX XXXX extending for a XXXX period with a payment of XXXX for payments accrued during the XXXX XXXX moratorium period. Although I disagreed with the plan and despite numerous attempts only received boiler plate responses from an automated service without the courtesy of a signed employee or any relevant information that led to the automated response, I made the 1st payment signed and received by your XXXX XXXX XXXX office on XX/XX/XXXX 4 days before the due date of the payment. Along with other letters for an appeal of the finding as per section RIGHT OF APPEAL SPS never processed the check, when I noticed my check not being processed, I called on XX/XX/XXXX to inquire and was told my payment was not received and the payment plan rescinded I promptly and a payment for the lost check and filed an appeal and furnished USPS Proof of Delivery on XX/XX/XXXX at XXXX am
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

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

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Santander Consumer USA have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found fraudulent accounts on it. Could you please remove these accounts? They're negatively affecting my ability to obtain credit.
Product: Debt collection

XXXX has Called before XXXX and after XXXX sometimes 3 or 5 a day. I have been threatened that the account would go into collections and my vehicles would be repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres some Inquiries on my credit report that are Fraudulent, Im a victim of Identity Theft
Product: Debt collection

In trying to establish a repayment plan, I provided the requested information in XX/XX/2019. 

I then provided updated information o in XX/XX/2019. 

I was received notification from the US Dept of Education demanding a payment amount based on my financial information from XX/XX/2019. 

When I contacted Coast Professional in XX/XX/2019, I was told the updated information was rejected. I received no official correspondence of this, nor an explanation of what this decision was based on. 

In attempting to reach an account representative, Ive been repeatedly told no one was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was current on my credit card debt however, I decided to go with a debt management company to get my interest rates reduced. XXXX XXXX and Capital One were two of the creditors. Even though I continued to pay the same monthly amount. XXXX XXXX started sending reports to my credit bureau that I was 30, 60 and 90 days late in XXXX until XXXX without me missing a payment and sending the same amount I had always sent. Capital One put 30 days late XXXX without my missing a payment or reducing the amount I was sending. To be clear I never missed or reduced the payments I was sending prior to my contract with XXXX XXXX.
Product: Checking or savings account

I recently tried to open a bank account and was told that i couldnt because i was in check systems. After doing investigation, i remembered that i had lost my wallet around this time and someone used my information yo open up a bank account and XXXX  XXXX XXXX then closed it because of fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud and Experian  along with XXXX  has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of lying frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I REQUESTED THE METHOD OF VERIFICATION ON THESE ACCOUNTS WITHIN 15 DAYS. THIS DID NOT HAPPEN. I WILL NOW BE SEEKING LEGAL REMEDY UNDER THE FCRA FOR WILLFULL NONCOMPLIANCE AND FALURE TO INVESTIGATE FOR THESE ACCOUNTS LISTED. ( XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX )
Product: Checking or savings account

I filed a dispute with cash app, regarding an unknown account have been deducting money out over my account over time, Explained that I did not realize because I did lose two phone and did not have access to my cell phone to notice alerts. At first it was small amount of course I probably would had not noticed. After reviewing the cashtag and history I notice that they have taken over {$240.00} out of my account. I disputed it with cash app and they said I was emailed on XX/XX/XXXX have not yet gotten that email. Explained the last email I got was XX/XX/XXXX to review my statement history for XXXX. I asked for the denial and they are unable to tell me the reason why, I asked to speak to the department that disputes and investigate, they will not allow me. No one have no clue how to help me, nor return my money why the investigate. On today I had to go through another process of dispute which I was told it could be another 10 business days. This is unreal, no one can never give you a full answer, and you have to wait on this phantom department and not even able to speak with them
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00}
Product: Student loan

Navient is a fraudulent company that adds fees on top of fees and ruins your credit by misleading their consumers.
Product: Credit reporting or other personal consumer reports

My latest credit report shows these credit inquiries that I did not authorize.

I am writing to make a complain to have these unauthorized inquiries removed the following inquiry and asking for their removal from my credit report.
Product: Debt collection

Upon checking my credit report I noticed that this collection company was still trying to contact me even after two attempts with this being my second attempt to get them to corporate with stopping the harassment calls
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C 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

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -KAY JEWELERS # XXXX -XXXX  # XXXX -XXXX # XXXX XXXX # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is many of several. I just did this a few weeks ago only for all three credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXXXXXX XXXX XXXX XXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXXXXXX XXXX XXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, EQUIFAX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES EQUIFAX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!
Product: Credit card or prepaid card

Called my credit card in stolen during after a home invasion/burglary and grand theft auto that happened to me on the XXXX of XXXX its on record but the card was used on the XXXX, and XXXX for approximately {$230.00} the fraud department favored it wasnt fraud Ive offered them the police report the number to the detectives that were in charge of the case they still ignored me and the fact that the card was reported stolen on the XXXX of XXXX approximately 2.5 hours after the home invasion they keep ignoring that fact. There reason is the purchases were done on the same day as the home invasion happened. Ok I can agree with that but that doesnt mean that I did those charges nor did I authorize someone to. The fact that it took me 2.5 hours after the robbery to call the card in stolen which was due to the shock I experienced, answering police questions and locating my vehicle that was stolen thru gps should be taken into consideration that it took me the 2.5 hours to call it in stolen and Irregardless it was fraud
Product: Credit reporting or other personal consumer reports

Account was charged off and settled for less in XXXX XXXX Still reporting as a charge off. Please remove.
Product: Checking or savings account

Can't link my account to anyone. Why. This is causing a big problem.
Product: Credit card or prepaid card

I opened an American Express Serve account in XXXX. Never had any issues until last year. My unemployment started getting deposited to the account. I created XXXX sub accounts. The account holders also received cards. 1 of the sub account holders also received unemployment. The payments went to my account because there was no way that I could see to set up the direct deposit to the sub account holder. American Express Serve proceeded to lock my account with thousands of dollars on my balance I called and they said I violated their terms of service which is XXXX. I called and was told to write a letter I did that. Nothing was done. I was never notified of the lock or closure and they have my money. I have tried tons of times to speak to someone that can help and no one can. I have been dealing with this issue for well over a year now.
Product: Debt collection

Received letter from Portfolio recovery associates dated XX/XX/ that account was marked as disputed on XX/XX/ same day I received this from them I sent a cease and desist letter directly to their corporate office address in XXXX VA. I stopped receiving letters and calls until about XXXX weeks ago so for almost 2 years no communication from them however calls have started again multiple calls from different local phone numbers they do not leave messages but continue to call. I have spoken to different reps who all have something different to say XXXX rep says they do not see a cease and desist while another rep states they do see XXXX on this account and documented to have communication stopped however that has yet to happen
Product: Credit card or prepaid card

Sent several dispute letters about inaccurate information being reported to consumer reporting agencies along with asking for general disclosures 15 USC 1638 so I can know my consumer rights with this financial institute. I've sent 2 negotiable instruments for payment in XXXX and XXXX ; the company has failed to comply with the law regarding negotiable instruments. I haven't received the negotiable instruments remittance back from Fortiva or a letter of dishonor stating why they were not accepted which the law clearly states these are the steps that should be followed. Before the account was closed in XXXX and I disputed the billing errors ; Fortiva charged me late payments the same day the bill was due XXXX and XXXX. The account has be closed since XXXX and I'm still waiting on a response from my disputes letters sent in XXXX and with the account being closed Fortiva has failed to comply with the law reporting late payments interest while the closed account is under dispute.15 U.S. Code 1681s2 I have XXXX emails from the company Attempting to collect a debt from XXXX. The list of violations from this company and there negligence is something I've never experienced. 

FORVITA ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

I woke up this morning ( XX/XX/2023 ) and opened my bank accounts to check my balances like I do every morning. I realized over {$800.00} was missing with no transactions what so ever. I contacted support and they told me since there is no transaction they cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I received a call from a company saying someone had ordered {$4500.00} worth of car parts through XXXX- they wanted me to confirm the charges. I did not order them, so they declined the charge. They told me to check my credit report because this was likely a stolen identity fraud situation. The report shows two open accounts that are not mine tied to an address in Florida that is not mine. I live in XXXX, TX. I called TD Bank NA ( acct opened in XX/XX/22 ), which shows a {$6000.00} balance that is two months overdue. They weren't able to do anything since I didn't have the complete card number - the credit report only shows the first 6 digits. I filed a fraud alert with XXXX, XXXX and XXXX and froze my credit report with all 3. The 2nd account was a XXXX XXXX  account that was opened on XX/XX/22 tied to XXXX. They were very helpful, found the account tied to the Florida address and shut that card down. The address tied to the fraud is XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I was told by XXXX that they are using my name and my SS #.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the equifax data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.