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

I disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year
Product: Checking or savings account

've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXXXXXX XXXX XXXX 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
Product: Credit reporting

Hello, I do n't understand the problem with transunion not wanting to help people who have been victims of identity theft and fraud. There 's an alert on my credit from all XXXX bureaus. However transunion is the only one who has fraudulent inquiries on my report. I 've disputed them and have had no help or anything from transunion. They 've told me to inquiries have to stay on my reports for 2 years, I informed them that these were unauthorized and fraud, the representative name XXXX still insisted that they have to stay on for 2 years. My question to transunion was why should I suffer from something i did not do or authorize. It just is n't right and never will be. These people at these credit bureaus are really evil and not helpful at all they 're all about ruining people 's lives and credit for money!!!!!! I have attached the inquiries that are not mine and are fraudulent!
Product: Checking or savings account

My pay day is scheduled for XX/XX/year> and I did not receive it. I called and was informed that many people are experiencing the same issue. They provided no information as to what happened or when it will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several negative items on my credit report.
Product: Debt collection

On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.
Product: Checking or savings account

I was a victim of a scammer that had a phone number tied to the XXXX XXXX XXXX department. They called and told me there was a warrant out for my arrest due to not appearing at court for jury duty. They told me that I needed to pay {$4200.00} bail or else they could contain me for up to XXXX hours. They did not let me off the phone until I paid the bail and told me to go to the bank to get the cash, then to a machine that I could send the bail money. I was under duress and clearly upset and had been crying, and could not even complete the withdraw slip because I was shaking so badly. The teller offered to write out my account number for me. She should have asked what the withdraw was for or asked more questions before draining my account. I withdrew {$2800.00} from that bank and another {$540.00} from an ATM. I took the cash to a gas station where I thought I would pay the bail but it was really a bitcoin machine so I lost all of the money.
Product: Debt collection

I had a original credit card through Military Star Card that the limit was {$5400.00}. I XXXX from the XXXX in XX/XX/XXXX and in XX/XX/XXXX I received a letter stating that Military Star was going to be taking {$170.00} per month from my XXXX check. I received a phone call today from XXXX XXXX with XXXX XXXX XXXX XXXX saying that he was a debt collector trying to collect a debt for Military Star Card and it would be around {$5000.00}. I explained to him that I having been paying Military Star Card every month in the amount of {$170.00} from my XXXX check. He put me on hold and looked into it and continued with owing them around {$5000.00} and the reason that the amount has not went down is because of the {$69.00} interest charge that is being charged each month for not paying. I called Military Star card and talked to XXXX and she explained to me that the debt has not been owned by them since XX/XX/XXXX. I asked where the money from my XXXX check was going to and she explained to me that they are allowed to collect that because I have had a debt with them. Can you please help me to find the proper resolution to this problem. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that does not belong to me and i want it to be removed from my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


2. Identity Theft SYNCB/BP XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/GAP Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

i have been recently trying to dispute collections XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the rest of the negative balances, i firmly believe that i am an victim of identity theft and would need futher help. i requested for XXXX, XXXX or transunion to remove because it wasnt my authorization and also i never had a contracts with the collections or gave pro-mission at any time .. and that it is a violation and against the law.
Product: Prepaid card

I have tried using my {$100.00} American Express gift card online with little success over the past week. I made two initial purchases ( XXXX and a company called XXXX ) with success. Every attempt since then, including adding the funds to an XXXX gift card has been declined. Each time I've attempted to use the card I've also been charged a small fee. I created an AmEx gift card account in hopes of verifying the card and it still is being declined on all purchases that are less than the remaining balance.
Product: Debt collection

I received a letter, on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating they are collecting a debt that doesnt belong to me. To the best of my knowledge, I have never had a Capital One credit card, other than being an authorized user on my wifes account ( which I havent been, in around a year ), and her account is in good standing anyway. 

Ive tried calling the number on the letter head, with no success. This is the first time I am even hearing of this situation, but the letter states they have been trying to contact me for years. 

After a little research on this firm, it shows that theyve only been in business since XX/XX/XXXX, so they couldnt have been trying to contact me for years. Also, there are numerous complaints of them being a scam. They use very aggressive tactics, belittle, cuss, and so forth. I will not subject myself to that. 

I do not want this bogus claim to impact me, financially. We are in process of trying to buy a house, and something like this could hurt that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SYNCB/LOWES XXXX I contacted credit reporting bureau XXXX XXXX XXXX XXXX I was told to file a FTC Report get a copy of the report and mail it in so the inquiry can be removed off my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # # # # # # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my accounts and will correct the credit report accordingly and accurately, also the fraudulent account will be deleted, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Bank account or service

My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter that requires immediate action. I have recently discovered that I have been a victim of identity theft, where several accounts have been opened in my name without my consent. 
As per the regulations outlined in the 15 USC 1681 c-2, I am requesting the block of information resulting from this identity theft. The unauthorized opening of accounts has not only compromised my personal information but also put me at significant risk of financial implications. 

I urge you to take urgent steps to rectify this situation and prevent any further misuse of my identity. I kindly request your prompt assistance in investigating this matter and blocking any unauthorized transactions or actions associated with the fraudulent accounts opened in my name. 

I have taken the necessary steps to safeguard my personal information and have also reported this incident to the relevant authorities. However, I believe that your immediate intervention is crucial in resolving this issue and preventing any further damage.

I am attaching relevant documentation, including copies of the fraudulent accounts and any other information that may assist in the investigation of this matter. I would appreciate it if you could acknowledge receipt of this email at your earliest convenience and provide me with an update on the actions being taken to address this identity theft case.
Product: Mortgage

-We applied for our refinance XX/XX/2021 and was assigned Loan officer Ms. XXXX and processor Mr. XXXX . We had questions concerning what we would qualify for and asked for the guidance of the loan officer. It was not until a month later after calling and emailing Navy Fed repeatedly that we were directed to submit a different application for our refinance XX/XX/2021. 
-We were given a new loan officer Ms. XXXX and processor Ms. XXXX XX/XX/2021 to resubmit all paperwork and ink signatures for processing. We completed the paperwork within 72 hrs and submitted again to Navy Federal.

-We were given conditional approval XX/XX/2021 -XXXX XXXX, XXXX I was contacted by the Navy Fed appraisal division to schedule the appraisal. The lady who called, XXXX XXXX, asked for my password to log into my Navy Federal account at which point I halted further conversation and asked her to verify her identity. I had to call Navy Federal and check her credentials because I knew it was not protocol to have to gave out your password to any employee over the phone. The Navy Federal customer service rep I spoke with verified she worked with Navy Fed and emailed her supervisor to notify them of what happened and also directed me to work with my loan processor to schedule the home appraisal. I notified our loan processor to move forward with the appraisal that same day. I heard nothing back for two weeks so I called XX/XX/2021. The appraisal was not scheduled. I requested and paid XX/XX/2021 for the appraisal to be processed. Two additional weeks have passed and I still havent been contacted for the appraisal date. 
-I already submitted paperwork via homesquad for review for all work verification, tax info etc. everything requested we sent in a timely manner. 
-My husband now has military orders to XXXX in XX/XX/XXXXand we were just notified that our refinance request has been passed to another team for processing! 

There have been too many hands on this request and it is still nowhere near completion. This is beyond absurd and no way to do business thinking youll have repeat customers. Never again!
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting

Misleading sale practice Complaint Description : Agent XXXX XXXX pulled my credit report without my permission nor did I sign any papers giving her consent to do so. I spoke with her concerning renting one of their properties. XXXX XXXX stated it was ok for my mother to fill out the application and stated we had to pay the XXXX dollars before seeing the rental property because she had other clients who wanted the home. I and my mother asked her not to pull our credit report several times, even calling the office speaking with XXXX XXXX asking whether XXXX had pulled my credit report because I did n't want it pulled knowing that she did n't have all of my information to rent a home and she told me she would wait before pulling my credit report until she got all our information before processing with the application. XXXX told my ( Mother ) it has n't been pulling after calling her several times asking her as well, later finding it had been pulled without my consent nor did I sign any papers for them to do so period. They refunded the XXXX dollar charge because they were ask not to pull my credit report now they need to remove the inquiry. I never agreed to become indebted of the pulling of my credit report.
Product: Mortgage

This conventional interest only loan started at 9 % through XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX, Nationstar and Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a brain injury in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXXXXXX XXXX XXXX XXXXXXXX and Nationstar totally more than {$40000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me and bring about the foreclosure of my property.
Product: Debt collection

On XX/XX/XXXX Chase Bank sent a settlement letter to resolve a balance of {$1700.00} for the amount of {$170.00}. The offer expired XX/XX/XXXX. I attempted to reach someone by phone to see if they would extend the offer, but was unsuccessful. On XX/XX/XXXX we wrote a letter attaching the previous settlement offer, and requested the expired offer be accepted. In the letter we stated if they did not wish to extend the settlement they were to return the check to XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The letter and check was from XXXX XXXX, my mother. We included an authorization letter where I granted her permission to work on my behalf. In effort to ensure the check was not automatically sent through an automated lockbox processing system, we taped the check to the lower right corner of the letter thus requiring manual intervention. Chase Bank cashed the check, clearing the bank on XX/XX/XXXX. Further, the check had language " Endorsement of check constitutes agreement of settlement in full ''. Per the Business and Commerce Code Title 1. Uniform Commercial Code under Section 3.311Accord and Satisfaction by Use of Instrument, Chase Bank had until XX/XX/XXXX to return the payment if they were not going to accept the settlement. Chase cashed the payment, but continue to report to the Credit Bureaus I still owe {$1600.00}. I have disputed with Chase Bank and all three credit bureaus multiple times, but Chase ignores my requests, and reponds to the credit bureau disputes that I owe the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$3400.00} - IDENTITY THEFT 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

XXXX XXXX XXXX Account # XXXX -- Transunion closed out an already derogatory account on my credit report on XXXX, just to re-report it as derogatory on XXXX. This dropped my credit score dramatically from XXXX to currently XXXX. Additionally, Transunion is harboring a non validated derogatory collection account on my credit report as well from XXXX XXXX XXXX  Account # XXXX. 

This is a CLEAR VIOLATION of my rights as a consumer to have a fair and accurate credit report. I am aware that this role has been assumed by Transunion and not given, and I am exercising my consumer right pursuant to 15USC 1681b ( 2 ), to DEMAND remedy by means of written or oral communication. As Transunion, should be aware, there is a supreme need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

It is apparently clear that Transunion has not been exercising these grave responsibilities that they have assumed by them in terms of reasonable procedures for meeting the needs of commerce for consumer credit, insurance and other information in a manner which is fair and equitable, with regard to confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of 15 US Code 1681 ( b ) ( Reasonable Procedures ).

Due to this, my credit has dramatically suffered, causing me to be subject to adverse action. This has caused overwhelming stress and harm to my financial status, defamed my character and caused hardship to my family. Pursuant to 15 USC 1681b ( 2 ), I did not give Transunion any form of written instructions to accept, furnish or report any information on my behalf and I am thereby exercising my right to DEMAND that both of these accounts be REMOVED from my credit profile immediately, they have caused enough damage to me. I XXXX XXXX, of natural person, have not authorized or verified these accounts in written or oral format and I revoke any assumed authorization, which can equate to identity theft by TransUnion, a prosecutable offense.