23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to downplay my identity theft claim as a mistake or a misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFICANT FACT? YOU ARE NOT A JUDGE, A JURY OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your bureau, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized accounts and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. My rights as a consumer must be upheld, and justice must prevail. PLEASE DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2001 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX, I made a purchase regarding a camera bag via XXXX. I realized, it was not a bag that I wanted, so I made a return request for a refund. I received an e-mail from XXXX and was directed to call XXXX. I was told that I called Pay Pal to get my money back of approximately {$35.00} on XX/XX/2019. When I called the number, a man named XXXX XXXX out of California, told me to go to XXXX and XXXX and purchase several XXXX cards for {$800.00}. He asked me to scratch the back off and read the number to him. Not knowing, I read the number to him. Additionally, he asked to remote into my computer in order to process the refund. My daughter happened to walk in and realized what was happening. The guy immediately hung up when she got on the phone. He continued to call me, demanding that I give him an additional {$2000.00}. My daughter helped me to call XXXX and reset all my passwords and take out the spyware he installed on my computer. Over the course of a week, he continued to call me until I filed a police report with XXXX PD.
Product: Mortgage

I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection, charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance, I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX, XXXX, my mortgage is going up {$700.00} dollars more in my mortgage, not including property taxes and Insurance, besides others regular expenses. I when up to the Executive Department and with out sympathy, a executive by name XXXX executive assistant of the Vice President XXXX, told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him, I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX, phone XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent the letter to the credit reporting agency Equifax, and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with XXXX, XXXX and Equifax. I was not notified of the investigation status. 

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

In accordance with the Fair Credit Reporting Act 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. 

Delete these accounts from all 3 credit reporting agencies according to 15 U.S.C 1681 section 206A & 15 U.S.C.1681 section 604A ( 2 ) ; 15 U.S.C . 1681 s-2 section 7b ( i ) time of notice. 

The additional attachments for XXXX XXXX XXXX and XXXX XXXX XXXX was to validate the debt and they were unable to do so.
Product: Money transfer, virtual currency, or money service

I have already tried to speak with the company to which it turns out to be a fraud group XXXX XXXX. 

I have attached details
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers afni XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with fair credit reporting act XXXXt the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dramatically went down this month talked to my bank told me to contact you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, XXXX and Experian need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint with XXXX XXXX. I have tried to get my mortgage refinanced for over a year. The first complaint was XXXX was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. XXXX states that these payments were put on past payments making them late for the XXXX 2021  months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with XXXX gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. XXXX is interfering in my moving forward and keeping my home.
Product: Credit reporting or other personal consumer reports

Sent attached letter to all 3 bureaus XXXX, XXXX and Transunion- all said they verified but did not provide anything showing that they verified or an original signature or contract or agreement or authorization
Product: Credit reporting or other personal consumer reports

My wallet was stolen and somebody got my information and started using it. The inquires are fraud and not authorized by me. This false informaiton is hurting my credit I need it updated asap
Product: Credit reporting or other personal consumer reports

Social # XXXX XXXX usc XXXX ( a ) ( XXXX ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above.

My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections
Product: Bank account or service

This account had a zero balance up until I requested that it be closed there should not be a balance and no monies should be owed on this closed account
Product: Debt collection

I have repeatedly every month disputed this debt and have asked for proof of debt and none has being finished by the company. It says I had opened an acc wkth XXXX in 2016 when I did not have an account with them
Product: Checking or savings account

Two checks for repairs were issued by insurance company to customer. Both checks were made out to the customer and the repair facility. The bank allowed the customer to cash both checks with only the customer 's endorsement. Now the customer refuses to pay the balance of the repairs.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX and my enrollment status reflects this on the XXXX XXXX XXXX website. On Mohela 's website it says that I am in repayment ( now forbearance since XX/XX/XXXX ). I have contacted Mohela multiple times ( documentation attached ) to update my status to " in XXXX XXXX ''. When I email, I receive an automated message saying that they will respond to my message in XXXX  days. I never get a response. I have called 5 times now and when I talk to someone, they tell me that they have put in a request for my account to be updated. They see that XXXX XXXX XXXX XXXX  and that I have submitted the correct documentation. The reps are just as puzzled as I am as to why my account is still in repayment, but they are not allowed to make this change they have said. My enrollment documentation from my school was submitted on XX/XX/XXXX, but now when I check in Mohela 's website on the " documents I have submitted '' section, it is nowhere to be found, when it was there before. I have been calling and messaging since XX/XX/XXXX. My account still reflects that I am in repayment and I keep receiving bills in the mail. When I spoke to the last person on XX/XX/XXXX she said that whoever put in the request to change my status the first time in XXXX " did it wrong ''. I asked to speak to a supervisor, she let me know that I was not allowed to. The customer service reps are able to offer me forbearance and put me on forbearance, but they are unable to change my status from " repayment '' to " in school deferment '' when this is my status on the XXXX XXXX XXXX website. Their hands are tied. Makes no sense. The rep I talked to on XX/XX/XXXX said that my request submitted in XXXX was not even viewed yet by whoever needs to make this change. I need this to be updated. I need someone to actually fix this and not keep passing it on to another group who isn't doing what needs to be done. I initially filed a complaint against Mohela on XX/XX/XXXX but my case was closed. I am going to continue filing complaints against Mohela to CFPB, my XXXX XXXX and XXXX until this is taken care of. I have attached screen shots of their automated messages and lack of response. Please, can someone get this issue resolved?
Product: Debt collection

Description of Complaint : National Recovery assumed an old bill from XXXX  XXXX in XXXX. The last payment made to XX/XX/XXXX  XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.
Product: Vehicle loan or lease

I obtained my vehicle loan XX/XX/16. my starting balance was {$17000.00}. my current balance is {$17000.00}. I 've gone past due multiple times and I 've received one extension on XX/XX/16.  However, since the start of my loan as of today I 've paid {$5000.00}. I 've spoken to a representative through the chat application online and she could n't explain why my balance did n't move.
Product: Credit reporting or other personal consumer reports

On XXXX I was alerted that loans with Mohela had been taken out under my identity. After several attempts of trying to contact Mohela I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact Federal Student Aid to close my XXXX and XXXX and she just updated the account on Mohela to reflect my current address. When I attempted to contact FSA they said this isn't something they can do. I have been unable to get another representative from Mohela to contact me without making an account on their website. I have now reported to the FSA ( XXXX ) and the Dept of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos.
Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry fromXX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos.
XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

I am XXXX. On XX/XX/XXXX my government SSI benefits became available. I live in XXXX, CA and my card was fradulently used in XXXX XXXX, about XXXX miles away at XXXX XXXX. ( cst ). 

I received 2 email alerts from DirectExpress regarding these transactions ... Automated Fraud Alert and Suspicious Activity Alert. 

One transaction for {$200.00} was successful and another for {$500.00} was declined. Both were performed at the same merchant location and on the same day, XX/XX/XXXX. I contacted DirectExpress and informed them of the fraud and confirmed I had not made these transactions. I was told my card would be reissued and that I had to submit a form in order to receive credit for the money taken from my account. 

I received an email response today regarding my complaint from DirectExpress that no fradulent activity was found, I will not receive the {$200.00} credit, and the case is closed. I have been waiting for a replacement card since XX/XX/XXXX and have not paid rent or bills, I have no money to buy food or other necessities. Their response is unacceptable.
Product: Debt collection

Upon reviewing my recent credit report, I noticed that I had several collection accounts outstanding with Navy Federal Credit Union. I 've contacted NFCU on 2 separate occasions trying to verify the accuracy of the information provided by them on my consumer credit reports as being owed by me. I have not received any response to my goodwill letters and no action has ben taken to resolve the issues. The first goodwill letter was sent out and received by NFCU on XX/XX/XXXX the second was sent out and received XX/XX/XXXX. Please see attached for account numbers and balances
Product: Credit reporting or other personal consumer reports

PCI - Preferred Credit XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX Called to tell them this is not my account
Product: Checking or savings account

XX/XX/XXXX : Bill pay arranged from XXXX  XXXX to Fifth Third Bank for XXXX mortgage payment. 
XX/XX/XXXX : Letter from Fifth Third Bank informing no payment received for XXXX. Late charges of {$95.00} placed on account. ( I was out of town from XXXX XXXX ) XX/XX/XXXX : Email from Fifth Third Bank. They requested payment for XXXX mortgage. 
XX/XX/XXXX : Called Fifth Third Bank a d provided routing and my account number for XXXX XXXX. A second XXXX mortgage payment including the late payment of {$95.00} was given to prevent personal credit damage. And later visited Fifth Third Bank branch in XXXX, FL and spoke with XXXX XXXX who requested verification of XXXX XXXX withdraw of funds and copy of check to Fifth Third Bank. 
XX/XX/XXXX : Received email from XXXX XXXX denying any error happened regarding payment. They attached copy of check sent to Fifth Third. 
XX/XX/XXXX : Received call from XXXX XXXX verifying second payment. 
XXXX XXXX XXXX : Multiple phone conversations with both banks attempting to find missing XX/XX/XXXX payment of XXXX. Spent more than 5 hours between calls to banks. 
XX/XX/XXXX : Visited XXXX XXXX at Fifth Third Bank. He called main office and they said more information is needed as the check attachment sent by me from XXXX XXXX was inadequate. Called to get further help from banks and customer service reps were incapable of correcting this issue. Last call today with XXXX who conferred with her supervisor XXXX in order to research lost payment.