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

I was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to NELNET ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET,   XXXX   XXXX  ,   XXXX   and   XXXX   for reporting inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX  : # XXXX, ACCOUNT : # XXXXXXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT : XXXX XXXXXXXX XXXX XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX SSN : XXXX D.O.B. XX/XX/XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy inquiry and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. XXXX XXXX XXXX, Docket # XXXX. Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I have had a Bluebird reloadable card from American Express for years. On XX/XX/2017 {$250.00} was loaded onto this card. The receipt showed a new balance that did not agree with my records. When I viewed my account transactions there was a purchase for {$120.00} from XXXX. I had no record of this purchase so I phoned AmEx to ask if they could see what the purchase was for. They were unable to say what was purchased and I told them I was unwilling to make a fraud report before I could verify that perhaps it was a purchase I failed to log. They gave me the phone # of XXXX. XXXX told me what was purchased and I knew that I had not placed that order. They asked for my address and said that was the billing address but the order had a shipping address in XXXX, Delaware. They said they were going to investigate and told me to contact Bluebird AmEx to make a report. I immediately did so. I was told I would receive a new card by mail and within 10 days they would finish their investigation and inform me of my refund if approved. This email referred to my account ending in XXXX. Two days later I received two emails from Bluebird AmEx in reference to account ending in XXXX. The first said their investigation determined the purchase to be authorized and therefore not eligible for credit. The second said they noticed activity on account XXXX that was in violation of the Bluebird Member Agreement, section XXXX. They locked my account and suspended my privileges. I never had an account ending in XXXX. When I called them to dispute this they were unable to tell me what XXXX was and no information was available because my account was locked. American Express is supposed to be the company that protects it 's cardholders from fraud. I reported this claim 2-3 days after the fraudulent purchase was made. My husband subsequently received an email from Bluebird stating that someone had fraudulently tried to use his card at an ATM. My husband is in possession of his one and only card and made no such attempt. They are sending him a new card. What is going on? Someone has obviously obtained account information on the two of us. Why have I lost my privileges? How could Bluebird 's investigation have concluded that the fraudulent purchase was authorized when it was not?
Product: Debt collection

I tried many times to resolve the issue with the company. The account was opened fraudulently. I tried to have it close and removed from my credit report the moment I found out about it. This company keeps reporting and updating it after I had reported that my personal information was compromised in my own home by my roommate! They don't care. They just want me to pay a debt that I don't owe! I noticed on the information they sent me, shortly after the account was opened the transaction history was unbelievable. There was a charges made repeatedly same day and week and the account was abandoned. Looking at the transactions should already show it was fraudulent. Thanks to this company, I can't take out a personal loan to help with my medical bill that I had a procedure done to prevent me from going XXXX! This company is the XXXX!
Product: Checking or savings account

Hello. On XX/XX/XXXX XXXX my phone was accessed without my knowledge or permission by someone I am unfamiliar with. They were able to grab my phone without my knowledge and access my chase app and initiate XXXX different XXXX transfers to accounts I have never made any payments to in the past totaling {$800.00}. I have contacted chase thinking this will be no issue to have this reversed and have my money returned. Chase informed me they are not responsible for any XXXX fraud and they can not provide me with a credit. I live paycheck to paycheck and am at a lost for what to do as {$800.00} was my entire balance. I am currently scraping funds together and borrowing money just to get by. This isnt right and I expected my bank to be able to rectify the situation. I also filed a police report as well.
Product: Credit card or prepaid card

I had Victoria secret credit card, i paid entire balance on my card, about two months latter I received alert from credit monitoring that I was delinquent on this credit card.

when looked I saw there was two separate finance charges. the charges was posted 25 days after my account balance was {$0.00}. i have reason to believe either it was done in error or simply a fraudulent charge by the creditor to get extra money out of me. it started with {$2.00} cent finance charge and then same day there was another finance charge of {$3.00}, cent on credit card that had {$0.00} balance,. and then i was charged {$5.00} late fee on the interest charge. then there was interest charge, and then another late fee of {$13.00} then another interest charge of {$2.00} even I thought it was not right but I still paid it to avoid any issues.
Product: Credit reporting or other personal consumer reports

Ive had a credit card with XXXX since XXXX. Ive never been late since that date on or around XX/XX/XXXX there was about a {$25.00} charge that my wife made and I thought the payment was all paid, I called XXXX. They said it was a zero balance and then all of a sudden I run my credit report and there are late payments dates on my credit report. It was only for {$25.00}. I had thousands of dollars in my bank account and they never called me or notified me in anyway even though they have access to email, text or my phone, never reached out to me and just put three months late payments on my credit report crushing my card and Ive never been late on anything in my life. Please get this deleted from my report as soon as possible. They never notified me. Thank you.
Product: Debt collection

LVNV Funding has sent numerous collection letters to my home requesting payment for debts I do not owe them and added these debts to my credit file. I have attempted to dispute through XXXX, XXXX and XXXX. My disputes have all been returned as verified with no distinct information to verify it is actually mine. There is no address or social security number which matches what's on file for me.
Product: Debt collection

In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report with no explanation. When I checked my report, I noticed discrepancies out of nowhere. I refreshed my browser, thinking it might have been a glitch, but the unauthorized entries didnt go away. Please review the documents Ive sent immediately to ensure this matter is resolved, so I can stop worrying about these issues.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( Transunion XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) and ( XXXX XX/XX/XXXX ). According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting

Equifax keeps charging twice, reporting twice and hitting my reports and affecting my credit report twice.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence  can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

Transunion received a Police Identity Theft Report & an FTC Identity Theft Report XXXX XXXX XXXX to show my Identity was being used against me by the company XXXX XXXX which apparently has connected a Credit Card presented as XXXX. Instead of blocking the thief/scammer from having access to my credit file & credit report, they've IGNORED the Police and FTC Identity Reports completely allowing the thief to continue adding & removing fraudulent information to my account as they please. I received a credit report issued on XX/XX/2023. The File number for the report number is " XXXX '' which shows a XXXX XXXX  # XXXX reporting this account was opened on XX/XX/2023 & closed XX/XX/2023. This reporting is INACCURATE & FALSE. This account has been reported to Transunion using different names, dates of opening, dates of closings, etc. From the way the account has been reported, it appears to have at least 3 different accounts assuming the identity as XXXX ACCOUNT. The account has also been reported to Transunion as XXXX without XXXX XXXX being attached to its name. The SCAMMER/THIEF who works for company refuses to provide any document with my true signature. Also XX/XX/2023, I contacted Transunion because whoever reported this account in my name added an " AKA '' to my Transunion credit file which NEVER had been reported in the history of my Credit File with them. I have constantly disputed with Transunion but they've BLOCKED me & REFUSES to allow me entrance although I have Credit Monitoring to see what's being reported by the scammers. My Credit Monitoring with Transunion will end in XXXX & they've blocked me for the ENTIRE month of XXXX from entering my credit file. Transunion has consistently violated my Consumer Rights by Federal Law because they received Police Report and FTC Identity Theft Report in XX/XX/2023. The thieves are the employees of XXXX XXXX and whoever XXXX is and has reported at least XXXX different accounts using the same account number in a variety of forms. My story doesn't change. This is Fraud & Transunion will be held accountable for not protecting my consumer rights under Federal Law.
Product: Credit card or prepaid card

On XX/XX/2020 I tried to make a purchase at the XXXX and while my credit card charge went through the product failed to activate. The screen showed step-by-step instructions for the cashier to issue a refund. Something was done wrong and refund receipt was not printed. I was told to wait for credit to post back to credit card. Nothing happened and I tried to resolve this by contacting XXXX. This " resolution '' process went for 3+ month and finally store rep told me to file a dispute w/ credit card company -- Chase. 

The process for charge dispute at chase stated that I need to open the transaction in question and website would offer an option for disputing that charge. When I tried that there was no such option. So I send a secure message to Chase. Two months later I tried to contact them again.. Each time I got a response they received my message and would review it carefully and reach out as soon as they can. There was NO response at all. On XX/XX/XXXX I contacted them again. and received a letter stating there is no open charge dispute. 

The " interesting '' fact in this story Chase closed my card 2-3 days  after I sent secure message asking them to open a charge dispute. So, they closed the card ( pretty sure their response to this would be " because we can '' ) and no they want me to pay for the product I have never received. 

I do not know what else can I do to resolve this. So i am using CFPB as the last resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXI have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was scammed by Crypto scammers through a company called XXXX XXXX. I wired a total of XXXX in increments of XXXX to a Bank of America account under the name of XXXX XXXX XXXX The funds were successfully sent on XXXX, and XX/XX/XXXX. I filed an initial recall with my bank, XXXX, on XX/XX/XXXX. When I heard nothing back, I reported it again on XXXX XXXX. On XX/XX/XXXX, I received feedback that Bank of America could not reach the account holder, and I should contact authorities. Bank of America is fully aware of the suspicious activities of the account as I have presented contracts to them as proof. However, they are not willing to do anything to help me recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, GRAIN TECHNOLOGY INC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRAIN TECHNOLOGY INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately