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

Mailed letter dated XX/XX/XXXX to Experian by XX/XX/XXXX that explains issue ( see below ). I have not received a response. Prior to sending the letter and since then, I've tried calling Experian many times and can not ever get through to a person or fix the issue ( I can no longer login to freeze/unfreeze my credit and sometimes can't do it over the phone either ; I think the problem is that I changed phone numbers ). I've also tried several times to create a new account using my current phone number ( cell number ), but each time, the Experian website says something like the website is not working and they are trying to fix the website issue ( for months ). 

The XX/XX/XXXX letter I sent to Experian essentially said ( I XXXX XXXX out my phone number and email address here since CFPB might publish this description ) : I have had trouble logging in online to my Experian account for a few years. When I do a temporary credit unfreeze ( for a few days, when I apply for a new credit card ), I have to call XXXX. I was able to do the credit freeze over the phone until the most recent try. I applied for the card anyway, hoping theyd check with one of the other two agencies ( XXXX and XXXX ). Unfortunately, I was denied credit because they used Experian. Fortunately, the next day I was able to do the temporary unfreeze via the phone. I dont know why it didnt work one day and did the next, since I answered all the questions the same way. 
I wrote down my pin, password, and user name, so I dont know why I can not log in. I spent some time trying to figure out why I cant log in online. It seems that Experian has my old landline phone number and does not have my cell phone number. I stopped having a landline around XX/XX/XXXX and have used my cell phone as my only phone since then. Id had the cell phone number since at least XXXX. When I try to log in online, it will only send me a text or call me at my old landline number ( XXXX ) ( which I dont have anymore ) ; there is no way to verify myself via email. 
It seems I need to update my phone number, but since I can not log in, I cant update my phone number. I called XXXX several times, hoping to talk to a person, but the system would not let me talk to someone. 
I do not want to put any sensitive information in the mail. Im hoping I can be given an Experian customer service phone number where I can actually speak with someone or that someone will email me to get this resolved ( at XXXX ). I would email Experian, but I could not find any email addresses on the Experian website and did not want to trust email addresses that I found that werent on the Experian website.
Product: Credit reporting or other personal consumer reports

Hello, I am writing this letter to notify the credit bureau of these fraudulent accounts that I never opened. I am a victim of identity theft, also my identity was stolen for personal gain. 

Please DELETE all fraudulent accounts listed below. 



Account name Account number Amount XXXX XXXX {$530.00} XXXX  XXXX {$30000.00} XXXX XXXX {$520.00} XXXX XXXX XXXX {$92.00}
Product: Mortgage

XXXX XXXX XXXX Current Legal Name : XXXX XXXX XXXX XXXX ID : XXXX Location ( s ) : XXXX, AZ XXXX Represents : Veritas Funding , LLC XXXX  XXXX ) Sending fake document requesting call in and then asks for ssn. 

Fake VA XXXX XXXX  belonging to homeowner
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because on the dates of XX/XX/19, I formally tried disputing fraudulent accounts directly with TRANSUNION in removing them from my credit profile. They were initially provided with documentation of a police report and an affidavit to report the identity theft. TRANSUNION followed up with my results in removing the accounts ( which the correspondence I received in the mail from their company is attached ). 

On XX/XX/19, I checked my credit report to learn they re-inserted XXXX  XXXX XXXX without any notice. This has caused nothing but stress and I feel they are working with XXXX  XXXX XXXX in still continuing to destroy my identity. Transunion failed to notify me within 5-day which is an automatic FCRA violation of them not properly handing my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXXXXXX ( closed ) Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXXXXXX XXXX XXXX XXXXXXXX ( closed ) did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Product: Money transfer, virtual currency, or money service

Cashapp did not provide a real XXXX number for me to resolve a problem with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent identity theft affidavit to all 3 bureaus XXXX  XXXX  Experian and dispute letters and police reports stating account is not mines. XXXX  and XXXX  has deleted but Experian ignoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to emergency in XX/XX/XXXX XXXX, a couple week later I received a bill from doctor and other from the hospital, I make a deal with the hospital so my balance was paid in full, but the doctor bill was so high for only 30 minutes, I disputed the bill without any satisfactory results, a couple months later I received a letter from XXXX XXXX XXXX XXXX with a payment deal Creditor XXXX XXXX XXXX Creditor account XXXX Balance {$910.00} Settlement {$630.00} I sent then a letter back asking for a verification letter about this debt and there was not response from then, after 15 days waiting for their response I assumed that they had the wrong information and as I asked in my letter to them clear all information and delete any negative information in my credit report if they they couldn't not verify the debt,, but certainly they dint and sold the debt to a new debt collector and this other sold to other and the new report n my credit apparently appears as new in XX/XX/2021,,.. I was not aware of this information until now that I tried open a new account and I received a letter from XXXX Bank with a possible information why they denied my application, then I checked my credit report and I see all this mess..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from TransUnion. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact TransUnion to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to request a 1099-C form for an account that has been marked as charged off but is still being reported on my credit report. As this account has been charged off, I believe a 1099-C form may have been filed with the IRS in accordance with regulations regarding the cancellation of debt. However, I have not yet received any such documentation. I kindly request that you provide me with a copy of the 1099-C form for my records. Additionally, I would like to request that you review the reporting of this account on my credit report. Since the account has been charged off, please ensure that it is being reported accurately to all relevant credit
Product: Checking or savings account

Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.
Product: Money transfer, virtual currency, or money service

Ive been having zelle problems since I 1st started using it. I have a name on my account that I don't recognize and often receives money from my banks account but it's not me who sent to this person. I tried several times to call, tell that wasn't me but luck.
Product: Bank account or service

My bank ( Wells Fargo ) placed a 7 business day hold on a large check from my real estate broker I have been with for 6 years. The check was from a XXXX XXXX XXXX account. This check should have cleared and funds verified in XXXX3 days max. The check was deposited on a Friday, so the total hold time was 12 calendar days. The regulations for deposit holds needs to be modified/improved to keep up with the new ACH changes. My money was held hostage by my Wells Fargo - there can be only XXXX reason can be that they could use that money.
Product: Debt collection

On XX/XX/XXXX, I called XXXX and spoke with a male representative. I had already closed my account and so I asked the representative how much I owed XXXX, and I was quoted XXXX dollars. I paid this amount in full and I have a proof to prove this claim which I will include in this report. I asked the representative if I would owe anything else after this charge as I did not want XXXX to report negatively on my credit report. He answered no and reassured me that that was the last and final charge. 

However, this was not the truth as on XXXX of XXXX, XXXX sent a debt of XXXX dollars to a collections agency. I want to once again repeat that I was given no notice that this debt was owed on XX/XX/XXXX when I explicitly asked, the debt amount was falsely reported to me by their representative. Not only this but XXXX made absolutely no attempts to notify me of this debt- not by phone call, not by email, not by letter. I did not find out about this debt until months later when I received a collections notice by a third party company they sent the debt over to known as McCarthy Burgess & Wolff. On XX/XX/XXXX I paid a total of XXXX dollars to McCarthy Burgess & Wolff. 

On XX/XX/XXXX I spoke to a McCarthy Burgees & Wolff representative who informed me in order to remove the collections from my credit report I would need to speak to XXXX. After many transfers I finally reached a manager at XXXX. I explained how the XXXX representative had misrepresented my debt and the manager indifferently informed me that XXXX and McCarthy Burgess & Wolff could do nothing for me to correct this error on their behalf ( that will now impact my credit score for years to come if not corrected ). I have had my rights violated : specially the fair debt collection act clause 807 that states that debt amounts can not be misrepresented to consumers. This needs to be resolved or I will take legal actions against both XXXX and McCarthy Burgess & Wolff.
Product: Mortgage

This began with a denial for a loan modification which was submitted to me on XX/XX/22. I appealed the denial. The Loan servicer has now provided a loan modification offer dated XX/XX/XXXX ; however, SPS has demanded the first payment be made by XX/XX/XXXX. This is less then 30 days from the receipt of the notice of receiving their offer. While the company, SPS Select Portfolio Servicing has not answered my appeal per se, this modification plan can only be accepted by making the first payment with very specific instructions which are an undue hardship. The date, XX/XX/XXXX is a Sunday also a standard holiday and I have not received sufficient notice to be able to make the first payment so I may successfully enter in the trial period. 

I am asking for payment due date to make the first payment from XX/XX/XXXX to XX/XX/XXXX to properly prepare financially to make the first payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries doesn't not belong to me and we're not authorize by me XXXX XXXX XXXX FCU XXXX AUTO SALE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AssetCare , LLC is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/2021. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from AssetCare , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from 3 Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent items. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Debt collection

Repeated calls, between 5-7 per day. Most days. 1 call per day in weekends.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX, I attempted to purchase a Better XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX an online store. After completing the process, I received an email from paypal that this triggered a reoccurring payment to the vendor of the chair weekly. I immediately canceled the transaction and removed my card information. I then contacted cash app once the transaction posted to initiate a dispute. The dispute was denied due to evidence however, I have not received the evidence that was used to deny the dispute.
Product: Payday loan, title loan, personal loan, or advance loan

This issue has been raised and not resolved thus I have made the effort to escalate the problem myself. 

I placed an order XXXX and the order was missing a pair of leggings ( {$11.00} ) The item missing is High-Waisted XXXX XXXXXXXX XXXX XXXX XXXX | XXXX  XXXX and I used the claim link that customer service requires. My claim was denied citing there was no damage but that is not what I selected as the issue. 

The leggings were not in my package and I have never filed a claim like this before. Customer service refused to reopen the claim, so I filed a XXXX XXXX XXXX claim ( claim id : XXXX ) and they also cited they can do absolutely nothing. 

This has been an extremely difficult process for a simple {$11.00} pair of leggings that were not shipped to me. What does a customer have to do to get in touch with the right people to get a refund, or the leggings reshipped? 

I have tried to discuss Afterpay and they refused to step in and forced me to keep paying on an order that was not fulfilled properly, they just kept emailing me the same robot AI responses citing they only help me pay they do not create claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these two accounts have 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. The two accounts below have violated my rights. 



XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$25.00}
Product: Credit reporting

I requested validation of bankruptcy reference # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Product: Checking or savings account

XX/XX/XXXX In the last week I have over {$600.00} dollars over charged by a grocery store I shop. 

Upon reconciling, then comparing and contrasting the charges to my checking I discovered - the same merchant debit over {$600.00} dollars above and beyond that which I authorized or consented to. 

Immediately, XX/XX/XXXX I called Bank of Americas claims department to file a claim, I was told it would take 10 days or more to be credited those funds in excess of {$600.00} prior to calling my bank, I attempted calling the merchant and was on placed hold over 1 hour, and then disconnected. 

When calling B of A I was treated rudely, hung up on and disconnected numerous times just to report the matter. 

B of A claims process for their customers to report issues is extremely burdensome- and waiting 10+ days in order to receive my money back seems questionable. Not to mention it places a further hardship on their customers especially when it comes to being able to pay to pay their bills by getting their monies back timely.
Product: Credit reporting or other personal consumer reports

I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. Attached to this complaint is a police report from the XXXX Police Department for a report of identity theft. The following bank accounts and inquirer names that are currently listed and showing on my Early Warning Services Consumer Report ID : XXXX are not my bank accounts or inquiries : XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX XXXX  XXXX Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX XXXX  XXXX Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX and XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX. The following inquirer names are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX via XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I am trying to refinance my car from Flagship Credit to someone else. 
I submitted the application on XXXX 
I got a call from the company I applied to on XXXX and they told me my account at Flagship is marked as closed on my credit report so they can't pay off my balance and can't complete the refinance. 
I called Flagship on XXXX minutes after speaking with the other company and advised them of what I was told. 
Flagship stated that they would look into it and email me an update within 3 days. 
I never got any info back or email. 
I called the other company XXXX to ask about the status of my application and they told me my account is still marked as closed. 
I tried calling Flagship back on XXXX and was placed on hold for someone in the credit department and waited 20 minutes before I had to hang up.

I tried the same thing today, transferred to credit department and then disconnected.
Product: Credit card or prepaid card

I have been dealing with fraudulent charges on my Macy 's account since 2019 and they have refused to settle the fraudulent charges and remove the delinquency from my consumer credit reports. These charges are documented in a police report and several notarized Identity theft affidavits.