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

I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX. Diversified Consultants, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX  ( an XXXX company ) on XX/XX/XXXX that the balance of {$970.00} has been reported by Diversified as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ).
Product: Debt collection

I received a call from AllianceOne, on Tuesday XX/XX/2022 at XXXX am XXXX time, they told me I was in collections with XXXX XXXX XXXX, XXXX which is my XXXX XXXX XXXX. I had not received any notice in the mail and I wasn't sure who this AllianceOne is. I have XXXX XXXX and this was causing me XXXX. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} XXXX told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called XXXX XXXX card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I received a letter from XXXX XXXX XXXX XXXX dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to Cavalry SPV I LLC and the original creditor is XXXX XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX XXXX, Cavalry SPV I LLC or XXXX XXXX XXXX XXXX. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to identity theft!
Product: Prepaid card

I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice. 

Thank you, XXXX XXXX
Product: Checking or savings account

To whom it may concern, On XX/XX/XXXX I opened an Checking Account at TD Bank N.A ( US Account ). 

I received an email asking to contact them to process the Debit Card.

In the same day I called them, and they confirm that the Debit card would be sent to my mail address.

I got access to the online banking, to the App and everything was set up. I received a transfer as well that was properly deposited in my account.

One week later, I tried to deposit two cheques that I received from the University as refund for travel expenses. They send me 2 cheques with the same amount of {$170000.00}. 

I knew one of them probably was not valid due to the duplication but since I didn't know which one, I deposit both. One on XX/XX/XXXX at night and the second on XX/XX/XXXX in the morning. I was expecting that probably one cheque would bounced but the other one would be deposited, however I didn't know which of them. 

After that both cheques were put on hold by TD Bank for further evaluation.

After few days, as expected, one cheque was bounced. However instead of depositing the second cheque, TD Bank just closed my account without any further notice. 

In the mean time, the bank had already approved my credit card with XXXX limit, which for me means that there was no problem in my credit score and history. 

After this unpleasant situation I called the TD bank to verify the reason for closing my account. For my surprise, they said they can not inform me the reason! 

The only information I got is that the account is closed and the amount will be sent by cheque to my mail address including the amount of the second cheque AFTER the processing time for the cheque that still on hold. And the whole process can take up to 30 days. 


In summary, TD bank closed my account with no pertinent reason, without any notice and is holding my cheque and residual checking balance. 

My major concern is not only about getting my money back but actually, the impact of this on the next bank account I will try to open. 

I am a XX/XX/XXXX, relocating from XXXX to XXXX, and I obviously I will need a good bank account to deal with significant income amount every month, as well to build my credit score for the mortgage. 

The only possible reason that come to my mind, since the back said that they " can not inform me the reason '', is : Maybe TD bank suspected fraud about the duplicated cheques (? ) and for " security '' reason they blocked and closed the account? 

If this is the reason, would be more reasonable call me or called XXXX XXXX XXXX to verify the authenticity of the cheque instead of harming the account owner? 

This is just unacceptable and extremely humiliating.
Product: Credit card

I purchased a camera for my small business using a 12 month 0 % interest offer from comenity bank ( through XXXX XXXX XXXX XXXX ). I divided the total by XXXX so that I could pay it in full before the interest expired and paid XX/XX/XXXX of he amount early every month, never late. I paid the final amount due 5 days before the statement due date not realizing they made the 0 % due date before the final statement date. The 0 % date was XX/XX/XXXX and I made the payment on XX/XX/XXXX. It was listed in small print on the bill that the 0 % expired on XX/XX/XXXX, but I believe it is more than reasonable to assume I would have XXXX statements to pay the 12 months no interest. I believe they intentionally make the statement dates due after the 0 % offer expires so that people will have to pay interest fees. They charged me ( a small business owner ) {$970.00} interest. I also accidentally paid the final payment {$0.00} too short. I paid that as soon as I got the new statement and realized what happened. 
I called and asked for them to remove the finance charges and spoke to at least XXXX people on two occasions. I was told I had to request an investigation online through their messaging which I did. After a few months hey sent me a letter dated XX/XX/XXXX saying the charges were valid and the case was closed. My balance is now up to {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent XXXX data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Furthermore, I have not been XXXX days late with my car payment to XXXX XXXX XXXX.
Product: Credit reporting

Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Information under 15 USC 1681 closed acct dispute for following accts XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out NJClass student loans through HESAA during my time at XXXX in XX/XX/XXXX-XX/XX/XXXX for which my mom was a cosigner. The initial loans we took out totaled approximately {$80000.00} w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in XX/XX/XXXX. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( XX/XX/XXXX ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. {$130000.00}. 
During the course of her bankruptcy, HESAA did not contact me ( the direct loan borrower ) to inform me of payments, increased interest rates, and that the loans ultimately went into delinquency until my mother 's bankruptcy ended. 
My mother paid up currently to get them out of delinquency as of this month ( XXXX XXXX ). 
I am trying to consolidate the loans and maybe refinance them, as my current monthly payment is {$1000.00}, which I ca n't realistically afford. 
During the time of my mother 's bankruptcy she tried to consolidate the loans but they were never accepted yet NJClass continued to run up the interest on the loans without informing my mother or me. 
NJClass loans are private, which limits the options borrowers can look into for repayment. HESAA does not offer any loan forgiveness or modification programs. They also do not offer income-based repayment plans for NJClass loans and they refuse to work with borrowers to offer more affordable monthly payments. They only offer consolidation. I tried to consolidate the loans directly under NJClass and was denied approval based on my income. 
In short, I 'm looking to get the loan payments down to something manageable so I can work towards paying off the debt but this is extremely difficult when legislation favors HESAA and the bills regarding NJClass loans still will not help many people in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 erroneous accounts on my Experian credit report on XX/XX/2020 via mail. I have NOT received any dispute results and it is now XX/XX/2020.
Product: Debt collection

Basically They sued me over 11 years ago and still trying to collect im  XXXX  and have nothing ... I thought the statue was 10 years?
Product: Debt collection

Portfolio Recovery is not licensed to collect debts in Florida, they have hired a law firm in wisconsin to come after me for an old {$4500.00} credit debt that portfolio purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

creditor : LVNV FUNDING LLC account number : XXXX date opened:XXXX  balance:XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I requested proof that it is my debt. Anyone can write out a document saying someone owes them money. I have never used a facility called XXXX XXXX XXXX Alabama. I have never been to XXXX Alabama. I requested documents saying this is mine and instead received some fraudulent looking papers. On top of that, ONE of the sets of papers stated i had XXXX XXXX XXXX XXXX XXXX Alabama. If I had XXXX, why would I have a bill. Additionally, why does one of the forms say I have XXXX while working at XXXX  but the other doesn't? To go a step further, I didn't start working with XXXX  until XXXX of XXXX, so there is no way that I would have stated that I worked for XXXX  when I hadn't started for 2 more months. Finally, I received two documents from this company, one for XXXX and another for XXXX, but two accounts on my credit for XXXX. The company has not only falsified an account on my credit, but is also falsifying information on the collections accounts. None of this information is correct. I need proof this is mine because all of this looks fraudulent, and their actions on my credit that are falsified are only further supporting that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX stated I had XXXX  day late payment but the money came out of my account on XX/XX/2024 in the amount of {$420.00} my due date is the XXXX of every month. I have proven transactions statement from bank to prove this amount was taken out of my account from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX states that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer agency can not furnish an account without my written instructions.
Product: Debt collection

Leasing company has tried to ruin my refit by placing a creditor for an amount that was never discussed upon leaving the complex. They show a contract that was not accurate and fees that do not match up.
Product: Debt collection

I found out about the debt due to my credit report. I reached out to XXXX to get info about the debt. It was from XXXX. I did not know about it until now XXXX. When I reached out to the collector they said it has been with them since XXXX. It is for over XXXX dollars. They have not sent me once notice of collections. They have the correct address and information of how to contact me and have not tried once. Nor would they give me any information and told me to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal has been updating my credit report to all three credit bureau with inaccurate information. When a dispute for inaccurate information was made, Navy federal responded with more inaccurate information and duplicate entries on my credit report. I have paid a service to assist me in clearing up discrepancies however this issue has been ongoing for over 7 years. This issue is having a detrimental effect on my credit and is affecting my score and ability obtain credit
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed fraudulent accounts
Product: Mortgage

I have been in contact with SPS multiple times over the past 6 months to try and work out a solution. I asked about a forbearance plan to possibly move the missed payments to the end of the loan and I was told no. I asked about redoing the loan modification and was told no. They only thing they offered was an outstanding repayment plan over {$2200.00} a month. 

My wife had a XXXX last XX/XX/XXXX ( XX/XX/XXXX ) and missed a lot of work and we fell behind on our mortgage payment. I had talked to SPS about this and they did not seem like they wanted to try and work out anything. My wife also had to leave her job in XX/XX/XXXX and find a new job. She did find a new job but, this was 42 days later. This put us further behind. 

We are current {$11000.00} behind and do not want to lose our home or file for BK- no one wins in this. 

I would like some help working this out with SPS and understanding what they are telling us and how we should proceed. 

Thank you
Product: Debt collection

I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from Toyota motor credit and XXXX  XXXX none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit file from this company. 1 for {$1100.00} and one for {$860.00}. I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.
Product: Bank account or service

I receive a check written on Bank of America from an attorney for refund the of products furnished. The bank of America branch near my home would not cash it because I wrote my name on it instead of him XXXX handwritings then they want to charge me for cashing their on checks. I thought in U.S. 
that banks had to honor their customers checks written on their bank. 
bank of America say they are bigger than us and do not adhere to any regulations they set their own regulations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate accounts appearing on my consumer report. On or about XX/XX/year>, I obtained a copy of my Experian consumer file and identified multiple accounts that I did not authorize or open. 

I believe these fraudulent accounts are a result of identity theft, likely stemming from the XXXX data breach. As a victim of identity theft, I am requesting that you conduct an investigation and permanently remove these unauthorized accounts from my credit file under the Fair Credit Reporting Act ( FCRA ) 609 and 15 U.S.C. 1681c-2. 

The accounts in question are as follows : XXXX XXXX ( Account # XXXX ) Balance : {$2900.00} Status : Collection/Chargeoff XXXX XXXX ( Account # XXXX ) Balance : {$24.00} Status : Collection/Chargeoff XXXX  ( Account # XXXX ) Balance : {$220.00} Status : Late 150 Days XXXX XXXX  ( Account # XXXX ) Balance : {$9600.00} Status : Late 30 Days XXXX XXXX ( Account # XXXX ) Balance : {$0.00} Status : Closed/Paid Under 15 U.S.C. 1681c-2, you are required to block the reporting of any information resulting from identity theft once I provide proof of my identity and supporting documentation. Enclosed are the following documents to support my claim : 1. A copy of my government-issued ID ( e.g., driver 's license ) 2. A copy of my FTC Identity Theft Report 3. A copy of the police report filed regarding this matter I request that these fraudulent accounts be blocked, investigated, and permanently deleted from my credit file. Furthermore, I expect written confirmation once this action has been completed.

Please respond to this request within the legally required timeframe. If you have any questions or require additional information, you may contact me in writing at the address above.