23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Golden1 Credit Union opened XXXX unauthorized accounts in my name, causing a negative impact on my XXXX XXXX, despite reporting the fraud and providing an affidavit, and I'm urgently seeking their closure and removal from my credit report. 

Golden1 Credit Union open XXXX account under my name and address XXXX XXXX -- -- -Amount {$1.00} on the date XX/XX/XXXX XXXX checking -- -Amount {$0.00} on the date XX/XX/XXXX XXXX. XXXX XXXX -- -Amount {$15000.00} on the date XX/XX/XXXX All this XXXX Account is not belongs to me. I never heard about this Golden1 Credit Union. After that I got XXXX a month Report and some check book. I was surprised and I called Golden1 Credit then they said I need to do fraud report and have to do affidavit. and I did report and Affidavit on date XX/XX/XXXX. and they said it will take around XXXX month to investigate and closed the account but still this account is open and I am getting XXXX XXXX. With this reason My Problem is my credit scored is goes XXXX XXXXXXXX credit Bureau it shows XXXX payment to Golden1, which is not mine. 
Please I want to Closed this account as soon as Possible and Remove this Golden1 Credit Due payment. 

Thank you
Product: Credit card or prepaid card

I obtained a credit card from XXXX XXXX via Synchrony Bank. At No Time was I told I had a Specific Time to pay off the debt or I would have a Balloon Payment. I made a XXXX dollar payment onXXXX on a balance of XXXX dollars. That should have given me a XXXX dollar balance. With an interest rate of 29.99 %, that is XXXX dollar charge! I just received the bill for XX/XX/2023 and they are charging me a XXXX interest charge. I called and talked to a representative ( XXXX ) and he says it was part of the deal. 
At no time during my visit to XXXX XXXX was I informed by the salesman OR the credit representative. I would have Never agreed to it and I would have just used one of my established credit cards. They were very sneaky in getting me to acquire their card. I just made a XXXX payment and that is All they should expect and then cancel my business with them. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these NEGATIVE ACCOUNTS from my file but the creditor is not responding and they stay on my profile and hurt my credit scores so bad. 

XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Type : credit Card XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Type : Auto Loan XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Account Type : Auto Loan XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Type : Credit Card XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Type : Credit Card
Product: Student loan

Pursuing my XXXX XXXX degree at XXXX XXXX, Fl my Post 9-11 bill from my service in the XXXX XXXX ran out. I then had to use Private loans for the remaining 2 years at XXXX. During that time the service lender misrepresented the interest rate I would receive to me and my cosigner ( my grandfather ) and this was not noticed until the repayment started a few months after I graduated. I tried to speak with them several times and over many many hours to explain that I could not pay the XXXX dollars a month when I had no income coming in from my job. When I did get a job, I tried to convince them to put me into a payment plan that I could afford as I was paying federal and private and Sallie Mae continuously told me that they could not lower my payment. I then ask them to put it in deferment while I got a lawyer. I paid for a lawyer here in XXXX, Fl to negotiate with Sallie Mae. She met with me and told me that we could negotiate a settlement with Sallie Mae for over 75 % off the total loan amount. She then sent Sallie Mae a document that she was my attorney and all communications would go through her. I contact my attorney for a few years now and she says that Sallie Mae has not sent her the correct document. I call Sallie Mae and they say that they can not communicate with me or her. I am completely lost at this point and it has effected my credit for years now and I am unemployed. Is there anything you can do to help? Kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Hi, I paid off my federal student loan on the XXXX XXXX XXXX XXXX program effective XX/XX/XXXX. However, the agency that has been handling these payments and reporting to the XXXX credit reporting agencies XXXX, XXXX and XXXX has not been forthright in reporting this as paid in full. Mohela took over as my agency in XXXX and it has been a headache ever since. I can reach anyone on the telephone in prompt manner and when I ever do reach someone it is after having been on hold for over two hours. Obviously working a job it is near impossible to handle any matters with them. Long story short this loan is paid off in full and I have satisfied all the requirements of the XXXX  requirements and have supporting documentation to prove this from both Mohela, XXXX, and XXXX XXXX agencies. I want to see this on my credit report displayed as such!! I have attached supporting documentation to this complaint. I would really like to see this rectified ASAP Thank you for any and all help on this matter. 
All three credit reporting agencies need to be contacted and told this debt is paid in full nothing else will be satisfactory. 
XXXX XXXX XXXX Mohela ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Debt collection

A account with this creditor was opened in my name as a result of identity theft. I have requested documentation from this creditor and they are refusing to send information to me to verify the account
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged unauthorized charge of {$3000.00} on my credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was supposed to be charged after I get my order delivered. Order was never delivered and they charged me the {$3000.00} After two weeks of calling the vendor who charged me and not getting answers I contact my credit card company and submitted a dispute. 

Maybe after two week credit card company removed {$3000.00} charge. 

They called me on XX/XX/XXXX and XXXX XXXX. I picked up, but after them asking me my personal information ( date of birth and etc. ), I thought it was a scam call and hang up both times on them. They never tried me contact via email, or even mail, or called me again On XX/XX/XXXX of XXXX  the {$3000.00} charge appeared on my credit card again. 

On XX/XX/XXXXXXXX  per credit card company request I did submit submit fax to the credit card company stating that the charge is not authorized by me, that I never got good delivered. 

Since then I have been calling my credit card company and not getting any answers on my case status. {$3000.00} charge is still on my statement and I need to pay it in order not to pay interest rate charge charges. 

Last person I talked today, XX/XX/XXXX, asked me to submit paperwork again, after I told them I already faxed them, he said they still working on my case, which I think he was not telling the truth. I called again and the next person hang up on me.
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. 
These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name )  a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the  XXXX  # provided by the company and got sent to  XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  I received a text from XXXX asking if I sent {$750.00} by XXXX to XXXX XXXX? I said No. The text said WF froze my account due to potential fraud and WF would call me. A man called me immediately from the above-referenced number and asked for my bank login and password so that they could open another WF account to transfer my money from my old account to my new account. I supplied the login information and they sent me a temporary password. They sent me codes that I had to repeat to them and then they asked me to transfer {$9000.00} because they could only transfer XXXX at a time, which I did. Wire transfer confirmation # XXXX. XXXX XXXX XXXXXXXX. Money sent to XXXX XXXX XXXX XXXX. The recipient name was XXXX XXXX  I called WF to inquire if the text/call was legitimate while the scammer was on the phone. WF advised me to change my login/password and start a Claim, which I did. Claim number XXXX. No mention was made by WF to close my account until my second call to WF at XXXX XXXX  The wire transfer was " pending '' until XX/XX/XXXX or XX/XX/XXXX. The bank has closed the claim because they could not retrieve the money from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX at XXXX I received a call from someone claiming to be with the Wells Fargo Fraud Department . The call was placed from the phone number ( XXXX ) XXXX, as well as the caller ID " Wells Fargo Bank. '' The supposed employee claimed that there had been some suspicious transactions posted on my account totaling {$3500.00} in a faraway zip code. One transaction in the amount of {$1300.00} and one in the amount of {$2200.00}. The employee then verified the last four of my account numbers and the dollar amount in each account. Once verified, the employee stated that they were working with someone in their XXXX department named XXXX XXXX The employee then stated that they froze the XXXX transactions and that In order to fully reverse the transfer, I needed to accept the {$1300.00} XXXX request from XXXX XXXX XXXX and that the funds would return to my account within the hour. After an hour I grew suspicious and called the number back, only this time I reached the actual Wells Fargo Fraud Department, who then informed me that I had just been scammed. I then submitted a fraud claim. The next day at XXXX I received another call from ( XXXX ) XXXX with the caller ID " Wells Fargo Bank `` This time was another attempt to get me to " reverse the second fraudulent {$2200.00} XXXX '' I promptly hung up the phone and re-dialed the number. Again this time I reached the actual Wells Fargo customer service line, who then prompted me to create this email/report. I recently received a decision from wells fargo saying that I am not entitled to my money back, and that it is not their fault because it was through the XXXX option on wells fargo. However, I don't see how this is my fault being that they had access to all of my personal information, including the amounts that were in my accounts and the account numbers and no one should have access to this but my bank.
Product: Checking or savings account

SSA REPORTED VIA THEIR LETTER FINALLY XX/XX/XXXX after requesting since XX/XX/XXXX THE FOLLOWING FRAUDULRNTLY MADE CHANGES YO MY SSA XXXX CHECKS XX/XX/XXXX Routing # XXXX Account XXXX XX/XX/XXXX Routing # XXXX XXXX XX/XX/XXXX Routing #. 
XXXX I was told after having a balance of XXXX XXXX dollars by the branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX Virginia XXXX LOCATION I always have my checks to XXXX the teller and I had reported identity theft and fraud in XX/XX/XXXX XX/XX/XXXX. She stated after her investigation. That I had no money in any bank account with wells Fargo. 
WHY ARE THERE 2 DIFFERENT ROUTING NUMBERS.. I opened only a XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX Virginia in XX/XX/XXXX.. 30 plus years ago under XXXX XXXX XXXX my name now XXXX XXXX XXXX XXXX . 

History. No info given to me by wells Fargo for my personal data Min XXXX recorded loan XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Virginia XX/XX/XXXX hard inquiry on my credit reports. wells Fargo dealership aka wells Fargo denied twice but there was a second account made up in my name that should not have been.
Product: Student loan

I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.
Product: Payday loan, title loan, or personal loan

I paid {$850.00} to my account with PayPal on XX/XX/2019. They show it as pending and have not credited to my account even though they have received the funds : Paid with XXXX XXXX XXXX XXXX XXXX Transaction ID XXXX Payment info PayPal Credit PayPal claims that the funds are still being processed by the federal bank clearing system. They refuse to  provide any proof of this.
Product: Credit reporting or other personal consumer reports

they are charging me {$3000.00} more than what i was supposed to owe. wont answer my calls to make a payment or payment plan. theyve scammed me and countless other people. not to mention i was being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times and yes i do have a police report for that. and adding debt for fixing issues like the black mold in the bathrooms that we complained about for a year is insane. corrupt law office and corrupt apartment complex. i have tried hundreds of times to contact the law office to correct things and work something out and have never once have my calls been answered. uploading the ledger which again is thousands of dollars off and the reviews of other people struggling with the same neglect from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

i submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue on my credit report regarding late payments reported for XXXX, XXXX, and XXXX on my XXXX XXXX account ( Account Number : XXXX ). As someone who takes financial responsibilities very seriously, it is essential that my credit report reflects accurate and truthful information. 

I request a comprehensive investigation into these reported late payments. It is important that, before any updates are made to my account, I receive concrete proof of your findings. Additionally, I expect a detailed explanation of the verification process that was followed to determine the accuracy of these reports. Relying solely on assumptions or hearsay is unacceptable. 

I ask that these late payments be corrected immediately to reflect the accurate payment history. Ensuring the integrity of this information is of utmost importance to me. 

As me the person who credit file this is, is providing you with proof these need to be removed now