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

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit EQUIFAX Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Checking or savings account

On XXXX I discovered rampant multiple fraudulent transactions performed on my Truist Bank checking account. I called the bank to report this and file a fraud claim dispute. I was told an investigation would be performed on the fraud claim. Two days later I call follow up to find out the claim was denied because the bank said I authorized the transactions. I vehemently deny the fraud charges were completed in a Georgia when I live in Nevada. I started with Suntrust Bank over 10 years ago when the bank was merged into the newly formed Truist Bank. I explained I never used my card in Georgia, I didnt give any unauthorized information to anyone to access my card, and I misplaced my card. The bank says someone used an XXXX to access my account in Georgia and therefore so they are denying my claim. The fraud claim includes thousands of dollars in fictional fraudulent checks into a Truist Bank Atm machine, debit card purchases all in Georgia while I was in Nevada the entire time. 

I am requesting the Bank do a proper investigation perhaps look at camera footage at atm machines where fake checks were deposited, talk to merchants where the card was used to see who is performing fraud on my account. I will not accept the bank not performing a thorough and proper investigation. The bank refuses to send me copies of the fictional checks that were deposited, they say I have to go to a local branch even though the closest branch is over 1,000 miles away from me. Ive had multiple phone conversations with three representatives from fraud management and fraud communications with no resolution to my fraud claim. I spoke with XXXX today, I was told I would be contacted my fraud analyst XXXX who has not contacted me, and nobody will assist me. 

I reported multiple times that my card was lost or stolen, and I do not know who is using my card information and the bank continues to tell me that I authorized the charges. I am Requesting the CFPB to assist me in getting Truist Bank to perform a fraud investigation completed, to dispute the fraudulent charges, and not hold me liable for fraudulent activity on my debit card and checking account for charges I DID NOT authorize. I have never been to the State of Georgia, never used my card in Georgia, and I did not authorize anyone access to my account or card information. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX DOB - XX/XX/1982 Truist Bank Checking Account Number - XXXX Phone - XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Nature of Complaint : I submitted a dispute to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I purchased a vehicle from a XXXX XXXX in XXXX, TX. A few weeks after I purchased the vehicle I was contacted my Santander saying my payment was more than I was told at the dealership. I also noticed on my credit report it was saying I was employed at XXXX which I have never been. I ended up going back to the dealership to have my vehicle serviced and was told by the salesman that the finance office created fake documents saying I was employed with XXXX so that I would be approved for the loan. When I began to fall behind on my payments I contacted Santander and tried to tell them the situation and ask for help and they refused to look into the matter any further. The vehicle was repossessed in XX/XX/XXXX.
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report maintained by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Name of Company : Midland Credit Management INC. 
Amount : {$610.00} Action taken by me : Dispute letters
Product: Money transfer, virtual currency, or money service

PayPal recently closed my account which I have utilized for the last 15 years. 

Specifically, the account closure was triggered by me purchasing nutritional supplements from a company called XXXX ( in which PayPal was the payment processor ). I authorized these transactions to XXXX using my PayPal account and specifically paid with prepaid XXXX Debit Cards ( that I received as a work incentive and thus wanted to use before they expired ). PayPal accepted my prepaid XXXX  Debit Cards and at no time was I told I couldn't use these on PayPal. I received my suplement order from XXXX and was charged correctly via my PayPal account. Needless to say the transaction itself went of seamless and as expected. 

It wasn't until weeks later when my PayPal account was closed did I fully understand the gravity of my mistake. It was explained to me that using multiple XXXX  debit cards is concern for PayPal and raised a red flag. It was also explained to me XXXX was under litigation with XXXX XXXX. Needless to say, these two things led to the closure of my PayPal account. 

Now what is unfair to me is PayPal accepted my XXXX Debit Cards and at no time was I told this could jeopardize my PayPal account. I would have never used them on PayPal if I was warned. Secondly, PayPal allowed XXXX to open an account on their platform and allowed me to pay them. If they have issue with their PayPal customers using XXXX, why allow XXXX on the platform. It seems XXXX should be punished with the closure of their PayPal account not me. Essentially I was penalized for paying a merchant they allowed me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL HARD INQUIRIES FROM TRANSUNION THERES ( 11 ) UNAUTHRIZED XXXX Miscellaneous Personal Services Other Than Medical XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX Hardware Stores XX/XX/XXXX TransUnion XXXX Miscellaneous Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXXredit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX Sales Financing XX/XX/XXXX TransUnion
Product: Credit card

Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO XX/XX/XXXX.
Product: Debt collection

I have been a victim in the XXXX data breach a few years ago and also my information was compromised again in the recent XXXX  data breach. Fraudulent activity was not observed until I noticed that my email was hacked, personal information, employer, social security number, old passwords frequently used and address that I have reside at for years had also been compromised. I am currently in process of a data breach settlement from XXXX. I have also initiated a credit monitoring service through the credit bureaus and also obtain a security alert. A fraud application was also done a few months ago and a credit card that had fraudulent charges, interest charges and late fees was also reported to the lender ( XXXX XXXX ). XXXX has acknowledged all disputes from the the lender stated below and have deleted the account from XXXX XXXX, from my credit report permanently. To verify, XXXX can be contacted. See attached documents below. This matter is serious and is damaging my credit and is also inaccurate/ fraud. Someone used my information and banking information to access my information. Creating a duplicate card in order to make unauthorized charges.
Product: Student loan

Over the previous year, the office of financial aid introduced the XXXX plan, which is great because it considers my current financial situation. 

My servicer is MOHELA. 

As soon as the plan was introduced I got on the XXXX plan with my loans. There wasnt any issues here. 

Later on, word was going around encouraging borrowers to consolidate their federal loans to maximize potential forgiveness and benefits. I applied to consolidate, in the application I specified that I wanted them to be consolidated into the XXXX plan, which again, the loans were already in. 

The consolidation process takes 3 months with no word from MOHELA. Its transferred from to aidvantage and then back to MOHELA. Again I am not notified in any sense regarding this process, I only learned that the consolidation had completed via checking their website myself. And in doing so I learned that I somehow had a balance due. As it turns out in the consolidation process, without any word to me on this, they had changed my payment plan to be their default payment plan, which is too expensive for me, and holds none of the benefits that I previously had. 

I have reached out to MOHELA weeks ago, submitted paperwork requesting my plan to be adjusted, and there has been no word back from them. I reached out to customer service via their messaging system, and I have got nothing. 

Had I been made aware that I wasnt going to be on the same plan following consolidation, I wouldnt have applied for it. They havent communicated at all regarding the process. This process has been extremely frustrating and distressing for me, especially because it affects nearly {$30000.00} in student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital XXXX XX/XX/22 XXXX XX/XX/22 BMO XX/XX/22 XXXX XXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report.

There should only be one phone number being reported on my consumer report.
Product: Credit card or prepaid card

I got an email saying that my prepaid card materials had been returned as undeliverable, and that I needed to update my physical address. I spoke with one associate earlier this morning, about XXXX and he said that it was marketing, not to worry, etc. I called about XXXX later this morning and she was trying to verify my SSN and it wasn't pulling up my account. I told her I didn't know the physical address on file since I never applied for it in the first place. I got a little frustrated saying that since I got the email, that the account had been opened without my knowledge. She said that she would close the account and that they would forward it to their ( other ) department and that no further action was needed, except to contact the FTC and file a complaint.
Product: Checking or savings account

{$7500.00} was taken out of my primary business checking account via a check deposit on XX/XX/22. I called Wells Fargo and spoke with their business operations and filed a claim for fraud. I didn't write the check and it didn't have my signature or my bank information. The check had the wrong business address and didn't have the authority to cash such a big amount. What checks and balances does Wells Fargo has in place to stop such fraud? I just don't want other business owners to go thru the same pain and stress that I am going thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to XXXX Credit Bureau and Experian Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to XXXX children and custody of my XXXX nephews and take care of my XXXX mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.
Product: Credit reporting or other personal consumer reports

Equifax is reporting negative information that isn't accurate nor did I consent to have my private information given to XXXX party entities. Enclosed with this complaint will will XXXX dispute letter of the companies that's reporting info without my consent.
Product: Credit reporting 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.
Product: Debt collection

Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,
Product: Consumer Loan

XX/XX/XXXX I purchased what was supposed to be an XXXX Solar AC System. Within two months I found out that I had been scammed. I also found out that the company was not licenced to do solar ac systems. I then found out that there " in house '' notary had signed my name to several documents and has been found quilty by the FL Gov. Office for doing so. I then found out that a loan had been taken out in my name by someone. The loan was for the price of the " solar '' ac system XXXX with a company named Aqua Fin. I have told Aqua everything and provided documents to them in regards to the fraud and scam. when I received my first statement from Aqua Fin. I called and asked them to send me documents that I had signed due to the fact that I 've never applied for a load with them. They never sent me anything. I 've never paid on this loan and Aqua has placed it on my credit record and now I sold my home in XXXX XXXX and they had placed a lien for a " water treatment system ''. when the title company told me about the lien for a " water treatment system '' I told them I 've never had one in my home. So when the title company calls Aqua Fin. to find out what its about they told them it was for a " water treatment system ''. After the title company talked with me and i told them that I know of a company named Aqua fin. but I never had a water treatment system. I told the title company about the scam and fraud. The title company told Aqua Fin. about the " Solar AC System '' and by XXXX the next day Aqua Fin. had place another lien for the " XXXX XXXX AC system ''. I 've never had a XXXX Solar AC system in my home. The equipment that was installed I found out was just a regular XXXX AC system. And the " Solar '' panel they installed is not approved by the state of FL and that it had been found dang. 
I need help in getting my XXXX back that the title company is holding and get my credit back. This has made me very sick over the past two yrs. in trying to deal with this. I 've been in the hosp. over 15 times in XX/XX/XXXX due to XXXX. I have the Attorney Gen. Office of FL working on this scamm, along with working with the XXXX XXXX. PD in placing charges against several people that have been involved. It 's not right that Aqua Fin. took up business with XXXX XXXX and they got ripped off. I do belive that Aqua Fin. knew about the scam and got in on it to make money. it 's not fair to that I have to pay for a loan that I did n't take out. I have no papers showing that I did so. Please help me .... i do n't have the money to hire an attorney to help me .... attorneys want XXXX just to start to work on the case. I do n't have it and the XXXX is all the money I have and ca n't lose any of it. Please help me if you can. If you look online you can see just what kind of company Aqua Fin. is. 
Also if you look at my payment history on any of " my loans '' you will see that I pay them. My credit has dropped into XXXX when it was at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX