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

Im a victim of identity fraud, and the person has my credit report and all of my personal information. I put credit freezes and alerts on the credit bureaus but the person was still able to create an account with Experian using an old email address and a phone number thats not connected to me. Vehicles that is not mine appeared on my report they could not tell me how it got on there. They also are accepting disputes by mail without properly verifying the fraudster has changed my address names and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I've been trying to resolve 2 Midland Funding accounts listed on my credit report and haven't been able to. I've attempted calling them for 3 weeks, several times a day and the department is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to XXXX XXXX XXXX! I contacted XXXX XXXX about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX  Police dept. XXXX XXXX  has requested several times to Equifax to remove the hard hits from my account, the hard hits are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email from Experian that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is XXXX XXXX and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and Experian and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX immediately removed the account from my credit report. However, Experian has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with XXXX XXXX, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on Experian. I have spent countless hours on the phone etc trying to get this rectified to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX,  XXXX XXXX Inquiry : XX/XX/XXXX
Product: Debt collection

I've sent letters disputing the account listed below over 3 times. I have asked for validation showing that the account belongs to me. I have only received emails stated that the account is accurate but no proof is being showed to me at all. The time the account was created I was XXXX  and XXXX XXXX XXXX XXXX XXXX. There is no way the account belongs to me due to I already have 1 light company in my name and I haven't stayed at the address the account is linked to in over 7 years. I have sent in my military orders, and other document showing the credit bureaus that this isn't my account. And if you have proof that its mines please show me.
Product: Mortgage

Navy had is holding my insurance payment because they want to foreclose. My house eas destroy during Florence I have no rough on the back part of my house im forced to stay there because navy fed took the money fema gave me to pay my credit card when i told that was money from fema i wasbtold the would not reverse it I had a payment Rangement because im with one of those companies that pays upur bills for younst a lower cosst. I kep calling but they dont care that i am in a house with no roof because they ate holding my insurance check from the insurance company i did know they could do i pay to be covered and I dont understand they have not forclosed and the house is still mine so how could they hold my check i was told is one of thete rules that you never hear about until it happens to you like so many other things. I dont was told the {$1300.00} would be put back but I havent cheacked they should have nevet taken it they could see that money came from fema i could go to Jail for using that money for anything other than what it was given to me. If i had not looked at mt account i would not known it was gone they dont tell you when they take the money. I was going to a hotel last week and i would have dividing the price of the Hotel by the number of days I could stay. There would have been a problem when I checked out if there was no money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my verdict report. Despite my submissions, XXXX consistently responds 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes,. Furthermore, XXXX 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-002 ) against them for similar violations to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Product: Credit reporting or other personal consumer reports

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Student loan

As per CFPB # XXXX - This is the REQUESTED UPDATED information XXXX is listing a number of student loans under the same Account #. XXXX, with an open date as of XX/XX/XXXX BY by Navient Solutions , Inc, <br/> XXXX is listing a number of student loans under the same Account # XXXX with open dates as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX <br/> ALL OF THE above accounts are " incomplete '' without BALANCES, CREDIT LIMITS and with " UNKNOWN STATUSES '' <br/> I suspect that they are duplicates that need to be DELETED or UPDATED with Balances, Credit Limits, and Current Status. It is unacceptable for a Credit Reporting Agency ( CRA Furnisher ) to have as a " status '' UNKNOWN when it is their duty to have one. 

XXXX is listing a student loan under Account # XXXX with an open date of XX/XX/XXXX BY XXXX/NAVIENT.
Product: Vehicle loan or lease

I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ). 

I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.

I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.

None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/2020 because I want to refinance my home but I was told I would be unable to do so because of two accounts reflecting badly on my credit history. The accounts are from XXXX XXXX for an amount of {$4900.00} and Child Support Enforcement. I have no idea what these accounts are for or who they belong to. I did not open them nor have I ever opened any other account with those companies. I did not authorize these accounts to be opened in my name nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I did not take part in any purchases or payments that might have been made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Checking or savings account

I'm an XXXX  Veteran. Vystar Credit Union has been fraudulently taking money out of my account without my consent under what they call " line of credit ''. I have reviewed my statements and there are transactions and fees that are not mine but posted under this line of credit that I am being held accountable for. As an XXXX  person, Vystar Credit Union is taking advantage of me and I ask that Vystar Credit Union being investigated for stealing from me.
Product: Debt collection

I rented a car from XXXX XXXX XXXX in XX/XX/XXXX. I returned the car on XX/XX/XXXX and went over it with the agent at the airport and everything was fine and he gave me my receipt- there was no damage to the car. About a week later I received an email from XXXX asking me to file a damage report because there was damage to the car. I filled out the report stating that there was absolutely no damage to the car upon returning it. A few months later I received a bill for over {$800.00} for repairs. I emailed and called XXXX with no resolution. I asked for time stamped photos as well as where the car was from the time I dropped it off until they claimed there was damage and they refused to provide the information. They did send me a photo of a scratch on the car and then a bill for XXXX hours of labor and glass repair!!! Today I received a notice that they turned me in to collections for not paying their bill. The collections agency keeps calling me demanding payment. I explained that I was not paying because I did not damage the car. After searching the internet, I found that there is a class action lawsuit against XXXX for fraudulent damage claims as well as hundreds and hundreds of complaints from other consumers that have had the same type of fraud and sent to collections. I have attempted multiple times to contact XXXX XX/XX/XXXX claim department and I can not get a human. It is obvious that this is a common fraud scam by this company and now it has impacted my credit report.
Product: Credit card

On XX/XX/XXXXXXXX XXXX I closed my credit card account with Capitol One due to unauthorized and unknown activity on my account BY THEM. I cut the card up. I spent the entire day demanding they acknowledge this by sending me an email or letter. They have continuously refused. On my account it says, " this account is restricted ''. I have no idea what this means but I do know THEY ARE STILL CHARGING ME INTEREST. This is criminal behavior and fraud. THE ACCOUNT WAS CLOSED BY ME ON XX/XX/year>. I NEED THIS ACKNOWLEDGED IN WRITING BY CAPITOL ONE. THEY KNOW WHAT THEY ARE DOING WHICH IS THEFT AND FRAUD. ANY INTEREST CHARGED SINCE XX/XX/XXXX MUST BE REFUNDED. I DON'T KNOW HOW TO STOP THEM. PLEASE HELP.
Product: Payday loan, title loan, or personal loan

I tried to use the XXXX app and it said that pnc bank set it up so that I cant do it I want that changed
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is on my credit report, it is listed under Accounts with Adverse Information the account from the Transunion website says the account should have been deleted in XXXX, 2019. The account still remains, Transunion says the account is positive which is not correct since it was handled by a XXXX XXXX XXXX. Please see attached screen shot. This account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit disputes with Equifax via Phone, Fax, and postal mail for a XXXX  XXXX XXXX account which is being reported on my profile that is not mine. I called Equifax again on XX/XX/2023 at XXXX XXXX EST. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the Equifax automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my Equifax report are due solely to being the victim of their XXXX data breach. Equifax has tried to send me a settlement of {$44.00}, I would prefer if Equifax would properly update my profile. Equifax 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided Equifax with FTC reports, Police Reports, and valid documentation from creditors proving what they are reporting is incorrect, yet Equifax fails to update my profile. I would like all inaccurate information to be deleted and suppressed.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for XXXX and other loans. I need my experian credit account unfrozen. XXXX will be checking my credit. I sent a letter with copy of social security card, my drivers license, and a bill last week. They have still not removed the freeze and there is no way to contact them via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) (  1 ) ( A ), Credit reporting agencies ( Conn 's - XXXX, Conn 's - XXXX, XXXX  ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report. 

Conn 's - XXXX - {$7600.00} Conn 's - XXXX - {$2400.00} XXXX  has failed to verify that information multiple times. The supervisor XXXX XXXX on XX/XX/19 and a supervisor previous to that advised me they verified the information electronically through an automated system and do not have the a person name or documentation. XXXX also stated they do not require the creditor to submit any validation prior to inserting good or bad information on your report. 
I have contacted Conn 's and XXXX  both repeated asking for them to provide contracts bearing my signature and payment information for these two accounts. 

XXXX  also have me locked and singled in to a department that is only open from XXXX - XXXX central time Monday - Friday and don't have a direct phone number. In order for me to speak with someone regarding my credit file I have to get transferred 3 times and if the department is unable I have to leave a message and someone will return my call in 24 hours. Which is unacceptable as well and I need to be removed because this is discrimination because any representative trained to incoming calls should be able to assist with credit dispute or questions. 

Per conversation with Conn 's representative on XX/XX/19 XXXX XXXX ( XXXX ) they do not have to provide with me an do documents in there systems and can report anything they wish without providing proof. Conn 's  also asked me to fax them a copy of front and back of my driver license and social security so they are aware they are speaking to the right person. This is unacceptable based on the the fair credit report acting and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX XXXX card to help establish a good payment history. The advertisement claimed to raise your credit score after using for several months. I was required to deposit around XXXX to the account/card and pay bills with the card only spending this amount. I had issues right away after depositing the required amount and the card not being honored or accepted at several companies... including my power company. I incurred late fees after using the specified routing number and the card getting rejected. I have screen shot images of the card being declined and this does not look good for my payment history with utility companies and my credit card company. As I was getting ready to post a payment to the chime builder card mid XXXX saw that the card was not in my accounts on the XXXX mobile app. I did some investigating and saw there was a delinquent account posting on my credit report for XXXX. I was very upset because I do not have any past due or delinquent reporting on my credit report. The negative hit caused a XXXX point decrease in my credit score. I called XXXX several times and I was informed the situation would be rectified and I would see the adjustment on my report. It is important that I share I am a survivor of Hurricane Helene. I was with out power, water, internet starting XXXX XXXX 2024. This lasted for nearly XXXX month. I am very stressed with the devastation in my area and I need my XXXX XXXX to be at a level to purchase a new home after the storm. On XX/XX/XXXX XXXX posted the account delinquent again after all the phone calls and promises of fixing the problem. I have only XXXX credit card with XXXX XXXX that I am making payments on. The account is in good standing. I have no intention of calling XXXX XXXX  again to have to speak with XXXX separate departments outsourced to other countries and still not have the problem dealt with. I do have record of my monthly payments to the XXXX XXXX builder card. I am planning to cancel my account entirely which includes checking and savings account.