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

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
XXXX. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Checking or savings account

In XXXX  someone open a banking account using my email address and other information with well Fargo bank. I didn't know until I got a email saying I have a checking account open and I will receive my bank card. I call the bank I told them I never opened a account with them. I told them my information which some of the information was wrong like my phone number and address. They stated that it would be closed. It's just scary that people can do these things and we the victims who have to go through. Have to do things to protect ourselves when the banks should.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I sent two certified letters one to XXXX, tracking number XXXX XXXX XXXX XXXX XXXX and Trans Union, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.
Product: Credit reporting or other personal consumer reports

This is a formal dispute to inaccurate items on my XXXX credit report and to request your assistance in addressing these issues. The information reported by LVNV Funding LLC violates the Fair Credit Reporting Act ( FCRA ) requirement to maintain maximum possible accuracy in consumer credit reports. 
The account in question is identified as follows : Account Name : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number ( Partially Displayed ) : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Status : Collection account, {$640.00} past due as of XX/XX/XXXX Upon reviewing my credit report, I identified the following inaccuracies : Incorrect Payment History : The payment history for this account is marked with a " C '' ( Collection ) beginning XX/XX/XXXX. However, the reported " Date Opened '' for this account is XX/XX/XXXX, making it inconsistent and impossible for the account to have a collection status before that time. 


Validation and Verification Issues : No evidence has been provided by LVNV Funding LLC to validate or verify this alleged debt. As of now, this account remains unvalidated, which raises questions about its accuracy and compliance with the FCRA and FDCPA. 


These discrepancies violate my rights under the FCRA and hinder my ability to maintain a fair and accurate credit report. Inaccuracies such as these have a direct and negative impact on my creditworthiness, as they misrepresent my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion allegedly committed : 1. Unauthorized Credit Inquiries ( starting from 2019 on monthly basis till present day ) & 2. willful violation of FCRA As a result of their violations, I was being turned down on : 1. Apply for a merchant account 2. applying for a credit card with the XXXX 3. not able to get a unsecured credit card.
Product: Checking or savings account

I purchased airline tickets online through a third party in XXXX of 2019. 

Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. 

I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. 

Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. 

That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. 

This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. 

Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. 
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed numerous accounts that are showing up on my credit file. This accounts are not mine. The reporting agencies are unable to verify correct information. But equifax is posting information onto my credit file thats been provided by disputed companies. 
Recording addresses Ive never resided at. Changing my current address to a address I havent lived at. Going off of information these companies Im disputing that arent my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Portfolio Recovery in XXXX and XXXX of XXXX AND due to them providing personal information to 3rd party Companys, XXXX XXXX, Equifax, and XXXX they have been providing false information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6801-6805 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information. This Debt was previously charged off by the original creditor XXXX XXXX. I do not have a contract with this company they also have not provided me with goods and services. This Debt was a charge off from prior creditor letter from them is attached.
Product: Credit card or prepaid card

On Thursday XX/XX/2021 I contacted a XXXX XXXXr to fix my car 's sunroof, we agreed on {$500.00}, I paid him {$400.00} advance, the next morning ( XXXXy XXXX ) I called him regarding cancelation of the service and a refund because my dealer asked me to fix the sunroof through them, he said I will refund you on Monday or Tuesday of the next week, however he never refunded me, I contacted him again on XX/XX/XXXX and XXXX, his response was ( Theoretically I don't have to give you anything back, take {$300.00} or don't call me back ). I contacted my credit card issuer around XX/XX/XXXX and disputed the charge, they promised to resolve the issue in 90 days, it never happened, I called them back on XX/XX/XXXX or so, they said the case was never moved forward but we will do it today and I have to contact them back in 30 days, I called them back on XX/XX/XXXX, still the case was not resolved and they asked me to wait for 10 days because they will escalate it and somebody will be in touch with me, nothing happened! I called them back 14 days later today ( XX/XX/XXXX ) they said we will escalate it to the dispute department and somebody will get in touch me in XXXX to XXXX business days! I can no longer trust their promises because they've been saying the same thing over and over again for about 7 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  failed to put my account under deferment even though I had shown them a letter of enrollment from XXXX XXXXXXXX. I filled out the form that they required which XXXX XXXX office filled out and signed confirming my enrollment and expected graduation. I sent the form back to XXXX XXXX  on XX/XX/year>. They have my account under delinquent and I am letters in the fail now asking to collect this debt with late fees. My credit score was also affected by this since they reported my account without putting in the deferment update. 

Attached the enrollment form that XXXX XXXXXXXX filled out. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 - XX/XX/2020 American Express Serve Card Stimulus check was direct deposited {$1200.00} 1. I am unable to access the funds since the Serve card I have was never activated. 
2. I ended up not getting a tax refund last year, so I never activated the card. I tried to activate the card via website and either the website was down, or it said it didn't recognize the card. I tried to activate it via telephone and the automated service stated I needed to verify my email from an email that was sent to me. I have no such email, so I'm not able to verify my email address.

3. I have tried to call customer service over 100 times and I either get a busy signal, get cut off when it says it's sending me to a CS rep or cuts me off after I wait for 2-3 hours. I have yet to speak to a human being. 
4. They have my funds and I have no access to them.

5. I am laid off from work and need access to these funds just like everyone else.

6. Customer service is no existent. I feel there is something shady happening with people 's stimulus checks and Amex Serve.
Product: Consumer Loan

We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Product: Credit card or prepaid card

XXXX - Comerica Bank I have a card through this company where my funds are supposed to be deposited each month. My card was not working so I called to find out what the issue was. The online voice stated I ordered a new card on XXXX/XXXX/XXXX and should receive this in 5-10 days. I however did not order a new card, the card I have does not expire until XXXX and I currently have no idea where my money is, where this new card is, and I can not get ahold of anyone to speak with even though the website states I can speak to someone 24/7. When calling it says all representatives are busy and then disconnects. At this point I do not know how to correct my issue so my niece was helpful with filing this complaint.
Product: Credit reporting or other personal consumer reports

There are unfamiliar credit inquiries on my report which is really concerning. I didn't authorize or consented to these companies in accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, on the XXXX of XXXX, i received XX/XX/2000 usd as payment for a service that i am to render to my client called XXXX via paypal, in a few munites paypal limited my account until i proved to them what the funds are for which i diligently did but they permanently limited my account to an extend that i can not withdraw or deposit neither can i send or refund my clients. 
i have tried raising the issue with them but they keep on saying that they are protecting their clients and i am left wondering who i am, my business is in shambles at the moment because i can not raise the blocked amount of money to finnish what it was ment for, i have gone to an extent of getting intouch with my clients to tell them to ask for a refund but paypal says its going to hold to the cash for 6 months which is rediculously insane, i really dont understand and they can not explain as to why they limited my account. 
i am suppost to do the XXXX   on XXXX XXXX and XXXX XXXX but i can not, holding this amount will not only negatively impact my business but give us a negative review to over 200 people who are suppose to join us for the XXXX  XXXX. 
funny enough i went online and found out that am not the only one whose account has been permanently limited, there has been so many negative reviews from this year this has pushed paypal to be the lowest ranked financial institution. 
i believe this is more than a scam institution as they dont even follow up to with the source of funding or payments so that they can establish their cases before they completely block one from accesing their fund
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Transunion inquiry issue and their customer service would not help and take care of the negative inquiries reporting to my credit report. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion 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 I am requesting that these inquires be removed due to Transunion 's negligence. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently to open or manipulate accounts and inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} Fraudulent Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had a complaint that was filed in error on XX/XX/XXXX to XXXX. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX  XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from XXXX contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX in XXXX ca changed the locks on us at our apartment prior to the end of our lease. At the time we were mostly moved out because our lease was ending soon and we purchased a home. we contacted XXXX about the issue and notified them that we had mostly moved out and noticed they changed the locks. they denied changing the locks and a few days later forged a letter in our names stating that we had not moved out and let town for a family emergency but promised to pay through the end of the lease including any late and cleaning fees. We notified XXXX XXXX XXXX management company, XXXX regarding the matter and they refused to investigate as it appears to be a company practice of forging documents on behalf of tenants in their managed properties. nonetheless, XXXX sent us to collections and we disputed charges based upon fraud for them forging documents in our name. we agreed to accept liability for changes through XX/XX/XXXX, which is when they changed the locks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I send a letter to XXXX, XXXX, Equifax, and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.
Product: Debt collection

I am filing this complaint regarding an issue with XXXX XXXX XXXX Professionals ( XXXX ) and the subsequent handling of my account by XXXX collection agency. 

The issue stems from an emergency medical service provided by XXXX in XX/XX/year>. XXXX submitted a bill to my insurance provider, XXXX XXXX XXXX XXXX ( XXXX ), but failed to provide the necessary documentation and information requested by BCBS for the claim to be processed and paid. As a result, XXXX denied the claim due to insufficient information provided by XXXX. 

Rather than resolving the matter by submitting the requested information to XXXX, XXXX sold my account and personal information to XXXX collection agency. This has led to the following issues : XXXX. False XXXX XXXX : XXXX collection agency is now reporting this incorrect and invalid debt to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ), damaging my XXXX XXXX. 
XXXX. Breach of Privacy : My personal information, including my Social Security Number, has been shared with XXXX collection agency and potentially call agents in other countries, exposing me to the risk of identity theft. 
XXXX. Lack of Accountability : XXXX failed to ensure that the necessary steps were taken to have my insurance provider cover the cost, which I believe was fully payable by XXXX  if the requested information had been provided. 

This situation has caused unnecessary stress and harm to my financial standing. I would appreciate your prompt attention and assistance in resolving this matter. 

supporting documents, including XXXX denial letters, communications from XXXX collection agency, are attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX amount {$320.00} acct XXXX conflict not resolved XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX amount {$450.00} conflict not resolved XXXX XXXX XXXX XX/XX/XXXX amount XXXX conflct not resolved LVNV fundinf llc XX/XX/XXXX amount XXXX conflict not resolved XXXX XXXX XXXX  XX/XX/XXXX conflict not resolved XXXX XXXX XXXX XX/XX/XXXX conflict not resolved
Product: Payday loan, title loan, or personal loan

The interest is over XXXX percentage I thought it was XXXX percentage
Product: Mortgage

I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date . Wellsfargos pay  off valid through  XXXX   XXXX  have invalid descriptions such as  Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions  that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to update my personal information correctly to Experian and XXXX they have continuously ignored my requests. 

Please tell Experian to delete the following addresses and names : 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