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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the following items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub> 2022 2022
Product: Credit card

WALMART MASTERCARD / Synchrony Bank blocked my credit card a month ago. Then, they blocked my online access, so I ca n't even pay the bill. They do not want to speak with me saying they do n't know who I am. They could not be any more difficult. Most banks know how to appreciate your business. Not this one.
Product: Debt collection

Received numerous cell phone calls to XXXX relative to a debt? Caller, XXXX # XXXX from Commenity Bank. XXXX refused to answer questions relative to debt and continues to harrass my wife. Also refused to give information about alleged debt and refused to give me an address to deal with this. I also taped the call.
Product: Credit reporting or other personal consumer reports

I never was evident the dates are wrong. I was never notified
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I cant enroll in Zelle with email XXXX or XXXX when I try those emails I get a error message saying please try enroll again later and for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and same for XXXX I need that to be unblocked or unrestricted it was blocked or restricted for no reason and when I called in they say my Zelle feature account was restricted I dont know what for and I need it to be unrestricted or unblocked or both I didnt do nothing wrong to get it restricted or blocked and when I try to use a email to enroll in Zelle at XXXX XXXX it say we apologize for inconvenience please try again later etc and this We couldn't enroll XXXX. Please try again later. at XXXX XXXX please fix my issue etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on four separate occasions including ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without any response in the matter.
Product: Debt collection

XXXX XXXX HIRED FMS, INC SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY XXXX BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Product: Credit reporting or other personal consumer reports

My information including social security was leaked in the national public data breach. Around XX/XX/year>, my I got an alert that fraudulent credit cards were being opened in my name. Whoever stole my identity also made accounts on Experian, XXXX, XXXX using fraudulent email addresses and phone numbers and addresses. 

By mid XXXX I managed to regain control of all accounts on Experian, XXXX and XXXX.I also managed to successfully dispute all fraudulent entries on my credit report.

However, the identity thief kept trying to gain control of my Experian account to unfreeze the credit and continue opening credit cards. 

I would get notifications of someone requesting my username. The day of the incident I received XXXX such notifications at XXXX XX/XX/year> and XXXX XX/XX/year>. At XXXX that day I receive a text from Experian for XXXX code. I also get an email notification that someone had unfroze my Experian credit. I log onto my Experian account and find someone had turned off XXXX and a fraudulent email address and phone number were inputted. 

The thief never had access to my password, security question or pin. They did not attempt or could not change that information. If my password was compromised then they would have changed the password and security question to lock me completely out of the account. They did manage with change the phone number and email which was enough to get them access to the Experian account. 

I attempt to call Experian customer service number to get this resolved but I only get an automated system that would not route me to a live customer service agent. I ended up calling the fraud dispute department to get them to route me to the correct department who after verifying my information, allowed me to reset the phone number and email. I have since updated my password, username, security questions and pin. 

Despite having XXXX, an uncompromised password, security question and pin, the thief was able to gain access the Experian account with no additional verification.I know this is possible because this is how I initially gained access to my Experian account. The thief created an account in his email and phone but I managed to unintentionally overwrite his info and take control of his account just by creating a new account. I've read online similar stories from up to 2 years ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Using only information that is already leaked, people are able to completely bypass all security measures and gain access to my Experian account. After they do, my only option is to react as quickly as possible and attempt to call customer service and have the information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated as a consumer. I sent multiple letters off to XXXX, XXXX XXXX Experian about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, XXXX XXXX Experian using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

Obtained the loan in XX/XX/year> with a coborrower. At the time, the interest rate was 12.79 %. Was told I could always refinance the loan at a later date to reduce the interest rate. I have called twice in the last year to do that, and was told that since there is a co-borrower, this loan is ineligible to ever be refinanced with Sofi. Then I explained that I would be losing my job and that I need better repayment options. After an " eligibility check '' I was unqualified for any kind of forbearance or assistance with the monthly payments of this loan, even though I told them I was unable to pay the current monthly payment and I was trying to get ahead of any issues. I was told there was absolutely nothing they could do, especially since my loan was current. I was misled into getting this loan, to consolidate other debts, and told I could refinance, when that was not the case at all. I have reviewed my loan documents and there is NO language present regarding ineligibility of the loan to be refinanced with a co-borrower.
Product: Mortgage

Recently I received the attached mail from XXXX XXXX XXXX XXXX stating that the ELOC is attached to the primary account showing that it has No separate account number when in fact also the origination date they show is XX/XX/XXXX when it is documented as XX/XX/XXXX not XX/XX/XXXX. These are two separate accounts!!. JP Morgan Chase needs to stop trying to attach the two when they already know that the primary account is bogus and now trying to attach it to the ELOC.
Product: Student loan

EdFinancial has been moving my loan to EdFinancial for several months.

I am not able to access my account despite the end of the Student Loan payment pause. I can not verify that I am on an XXXX. I can not verify if I need to pay. I don't know how much I owe They said they will fix it over a month ago ( late XXXX ). 

When I try to register again on their website ( despite being their client for many years ), I get an error.
Product: Credit reporting

In XXXX 2016, someone used my credit card numbers fraudulently. I ordered XXXX, XXXX and Transunion credit reports which shows that on XXXX/XXXX/16 someone impersonating me obtained my credit report : On my Transunion credit report the most information was provided. It states that I order the report and the permissible purpose is : Consumer Request. The company that provided the report is Transunion Interactive XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, CA XXXX which is a wholly owned subsidiary of TransUnion LLC. Soon after, credit card companies were calling me about my request for credit and advised that all my personal information as well as SS # were provided. When I call both Transunion and Transunion Interactive, they stated that anyone can order the report under a number of websites and that it shows that I ordered the report online. I spoke with customer service, the manager and online department. The all stated that they could n't help me or figure out who obtained the report. What they did was to provide my credit report to an identity thief who also contacted the US Post Office to temporarily change my address to one in New York ( where I do n't live ) They did not help me and told me that it is just a soft request so should n't be a problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a scammer posed as me and sent a wire transfer from my Discover checking account in to their XXXX bank account. I received a call from someone claiming to be from Discover bank. In fact, the phone number that appeared was Discover 's phone number. ( a known number/device ). There was some sort of XXXX card swap/takeover of my phone. I could not make or receive calls from my cell phone because everything was being taken over by this male scammer. 

We reported that our account had been drained by this person 10 minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer told us this is becoming more common with the cell phone takeover. Interesting enough, Discover told us that there was an unsuccessful wire transfer 2 days prior to this but there was not enough money to cover it. If we would have been notified, this could have been avoided. 


After several attempts to work with Discover and their XXXX XXXX, we received a call from a supervisor that since the Wire Transfer request came from a " known device/phone number '', they did not break protocol and will NOT be returning our {$12000.00}. We reported that our account had been drained by this person XXXX minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer that came to our home, told us this is becoming more common with the cell phone takeover. This has left us in terrible financial ruin and 3 months behind on rent.
Product: Credit reporting or other personal consumer reports

I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX  XXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, XXXX AND EQUIFAX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXX-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
EQUIFAX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Product: Mortgage

XX/XX/XXXX SPS was contacted to see about options to help with payment after a motorcycle accident and a slow start in short-term XXXX payments. The representative XXXX found a solution by taking one payment and dividing it over 6 months. He advised the amounts needed to be paid and when. We asked the representative if this would be negatively reported on our credit XXXX responded with no it would not be a problem on the credit report everything would be okay. Stating we needed to pay the first payment of the new amount and make the other payments on time it would be fine. The first payment was due in XX/XX/XXXX and the last XX/XX/XXXX. We completed the repayment plan without any issues. We applies to cosign on our children 's school loans and were denied then we saw the issue. Learning that SPS had reported 30 days late on 3 of the 6 payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We called SPS on XX/XX/XXXX, and XX/XX/XXXX, asking for the recorded call to be reviewed with each rep telling us they would document the account and have a manager review. The next rep informed the previous rep didn't do what they had said and it had not been reviewed. On XX/XX/XXXX, XXXX agreed nothing had been done as promised and asked us to hold while a supervisor found and listened to the call. A supervisor informed XXXX that we were correct the original rep did state that nothing negative would be listed on our report when asked. Also, once it was established there would be no harm to the credit did we enter into an agreement for repayment. XXXX XXXX, the supervisor said we were correct and the report would be fixed. We needed to in writing ask for it to be removed from the report due to the error on the mortgage company 's part. On XX/XX/XXXX, an email was sent to the address given to us explaining the situation, the supervisor 's decision after listening to the recording, and the request for the correction on the credit report. On XX/XX/XXXX, SPS added a letter to our online account stating that they did review the audio from XX/XX/XXXX and confirmed the representative did in fact state there would be no negative reporting on the credit report. SPS also stated that they would not fix the report because they were acting within the guidelines for reporting by law. We were misled and misinformed at the time of the verbal agreement in XX/XX/XXXX. We entered into the repayment plan under the terms that were given by the representative in XX/XX/XXXX and asked for things to be clarified to be sure we understood the terms. We would have never agreed had we been told payments would be reported late. We fulfilled our end of the verbal agreement and SPS needs to do the same.
Product: Debt collection

Wakefield and associates keeps calling everyday at least 10 times a day repeatedly, and I have told them to stop contacting me because my hours of work are   XXXX   XXXX   to   XXXX   XXXX   and when I get off of work it is inconvenient for me to get a call so late at night.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue.

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities.

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report.

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX