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

No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a Wells Fargo account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX  accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Product: Credit reporting or other personal consumer reports

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my FICO credit reports, which are damaging my credit and were not initiated by me. I made multiple attempts & disputes. My next action is litigation against Experian & CFPB for allowing this to be reported for so long after multiple complaints of fraud. This has severely affected my life. 

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. 

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. Please See Attached Notarized & Non Notarized Files. 

ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is violating multi laws : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded
Product: Credit card

In XX/XX/year> I applied for American Express credit card because they had a promotion going on for 0 % interest on balance transfers for 15 months. I filled out the application and was approved. Immediately I then requested the balance transfer for my XXXX card of {$750.00} was pending approval for about a month. I called and asked what was going on with it and they told me it was approved and I should see the balance come through shortly. A week after my first call the transfer went through and totally owed American Express {$770.00} for balance transfer and fee. However the amount was never taken from my XXXX card. I called again to customer service and they told me there had been an error. My American Express card number was the same card number put in for my transfer. It linked it to some XXXX account which is not mine. I have never had any credit card for XXXX. Also the account had the same exact card number so I dont see how that didnt raise any flags to them. They had no solution for me and told me I was out of my 10 days to cancel the transfer. I asked for a supervisor and was then told she was going to put in a cancel for me but it would take 2 weeks. So I waited checking my account here and there. After 3 weeks it remained the same so I called for a 3rd time the person on the phone said a cancel was never initiated because they didnt not get approval from me. I asked her what she was talking about because I have called multiple times to get it taken care of. Nobody called me or emailed me. She told me again she would put in a cancel but it would take time. I know have a statement from them I owe the minimum payment I refuse to pay it because the transfer never came from my account. This is going to affect my credit score for having a missed payment on top of I will receive a late fee.
Product: Debt collection

On XX/XX/2023 I was called by United Collections about an alleged Dept. I spoke with a senior manager by the name of XXXX. I informed XXXX not to call, email and not to have any communication with me until they could validate. I made sure he understood that he was not to call or communicate with me at all. on XX/XX/2023, I received an email asking me to pay the debt. On XX/XX/XXXX, I sent UCB a dispute letter and on XXXX XXXX I sent an email letting them know they had violated my rights and also they are not allowed to collect in my current state.
Product: Mortgage

On XX/XX/XXXX PennyMac assumed possession of my loan from our prior servicer. We had a large loss draft pending on the property and PennyMac has created an undue hardship on us due to their lack of transparency and unwillingness to help. Ever since they assumed possession of our loan, they have continued to claim that they do not have certain documents that they should have easily been provided by the prior servicer. It is not our responsibility to secure these documents for them as we did not choose to have a new servicer take over a loan with a large loss draft pending. 

I have called every 2 days since XX/XX/XXXX asking why I can not receive the final disbursement to settle this loss draft claim ( btw our house was completely lost in a house fire on XX/XX/XXXX ). Finally today, this company once again said they needed additional documents and I am baffled as to why they continue to play these games with the money sitting in our escrow account that is now past due to the homebuilder.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my  report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error
Product: Mortgage

I would like to report Mortgage Fraud. We closed a loan on a refinance with XXXX XXXX in XXXX XXXX they paid our property taxes for XXXX upfront and then the previous mortgage company had also paid the property taxes as well. This caused an overpayment for property tax which was refunded by the county Commisioner 's office in XXXX, GA. The refund was sent back to closing officer in the amount of {$1900.00}. The closing officer stated he was instructed by XXXX XXXX to return the refund to them. XXXX XXXX ( XXXX ) stated that they then sent the refund of {$1900.00} over to RoundPoint Mortage around XXXX XXXX. Roundpoint then took refund for Property taxes and placed it in a suspense account instead of returning it to the homeowner because taxes were already paid in full. Then Roundpoint decided to just take {$600.00} of the property tax refund and apply it to principle mortgage and there has been no accountability of the remainder. {$1300.00} is still unaccounted for according to XXXX at XXXX XXXX XXXX. As a result the mortgage was then transferred over to XXXX and with a deficit in escrow it has now caused me injury where my escrow account was short and they advanced monies to pay property tax which led my house payment to be increased over XXXX a month for not having enough in escrow. Where is the refund? As far as I am concern this is theft by mortgage company. You can speak to me or my wife in reference to this incident. I 'm a veteran and this is a disgrace how they do what they want with your hard earn money. Some of these banks are out of control and taking advantage of the average citizen. Please help. Thanks.
Product: Checking or savings account

A family member who asked me to put their bank account in my name has racked up {$610.00} in overdraft fees. They are currently not able to pay because they are XXXX. Ive tried to schedule payments to pay this, but I still cant find a way out.
Product: Debt collection

XX/XX/XXXX paid a bill for a service i did not use. 
Received text of payment XX/XX/XXXX, received a bill stating it was not paid and an email stating it was not paid. 
I have attached my back transaction as proof of payment.
Product: Credit reporting

Public record XXXX XXXX XXXX Identification Number:XXXX is too old to be on file. It is obsolete, not responsible for this judgment.Please delete it.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/22 ordered a computer from QVC amount {$3700.00}. Did not receive the item. QVC made a police report, XXXX stated the item was delivered on front porch. Have been disputing this with the creditor. My account is reporting a 30 day late charge on my credit bureau account.
Product: Student loan

My XXXX Great Lakes loan was 1 loan for 1 year of college. I initially received an e-mail notice on XX/XX/XXXX reflecting my one loan being transferred, however when it got transferred to Nelnet, they split my loan into 5 separate loans!!!! When I noticed this I disputed this on my credit report and was told it was not in violation-how!? I then opened a complaint with FSA ( Case # XXXX ) and they sent me some automated information. I am pursuing my XXXX XXXX XXXX  and when I took out the loan I was sent an email on XX/XX/XXXX by Nelnet saying I would be in deferment for my loan and did not owe anything. I double-checked on the website and it said I still owed on both my XXXX and XXXX loans. I then completed their steps and said I was in school and it said that all of my loans qualified for deferment. I didn't hear anything else for almost a month. When I checked my bank account yesterday, XX/XX/XXXX I noticed a withdrawal coming out. I was upset so I called the line and they had a 45-minute wait. I requested a call back and when they called back I explained both of my issues and how they were incorrect. The girl on the phone told me I should consolidate my XXXX loan and I stated that it should've never been unconsolidated in the first place and I didn't want it to affect my loans or credit any and she said she wasn't sure and would transfer me to someone else. I then informed her that they should also not be taking any payments from my bank since I should be in deferment, and she said let me speak to someone about this. I waited on hold for approximately 10 minutes when the phone said " XXXX XXXX EASTERN TIME '' and hung up on me. I am trying to do the right thing and they are unresponsive to my requests. They mishandled my XXXX loan and took money from my bank erroneously. I also double-checked my email and it looks like on XX/XX/XXXX they removed the comment on my credit report that I disputed the error. Please HELP!
Product: Credit card or prepaid card

A couple of months ago I received an email from Comenity in reference to my Victorias Secret credit card. I needed to make a purchase by XX/XX/2020 in order for my card to remain open, since I had not used the card for some time. Since I did not have a physical card anymore, I logged into my comenity account and requested a new card via the customer service messaging system. The card never arrived after some weeks, so I went into the physical storefront to make a purchase knowing I could use my credit card without having a physical card in store ( I had done it previously ). After shopping for almost an hour, I went to check out and the store associate told me my account could not be located. After another 30 minutes with the associate calling Comenity, it turned out I could not make a purchase because Comenity was in the process of sending me a new card and I could not use my card via the store cashier. I went home and gave another week or so waiting for the alleged card they were mailing me. I finally called Comenity, and after spending an hour on hold, I was told I would be issued a new card with expedited shipping and would receive it in 3 days. It has been a week since that phone call since I gave the USPS a few extra days to send me my card, and today I received an email saying my account has been closed. I still have 20 days until my account was supposed to be closed due to inactivity per the email I received originally, with documentation on my account showing I have tried MULTIPLE times to use and replace my card, yet now I have a closure on my credit for a higher credit limit account that I have had for 10 years. I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify that this account belongs to my person : XXXX XXXX XXXX Account number - XXXX. Remove address from my person 's profile. I've never lived at this address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Please follow the law, see 15 U.S.C 1681c. ( a ) ( 5 ) ; 15 U.S.C. 1681s-2 ( A ) ( 1 ) ; 15 U.S.C 1681c. ( a ) ( 5 ). If you are unable to verify/validate account, delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with experian. checking the file its information that is not accurate that is hurting my file. please review information submitted to clear the file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/1982 ss # XXXX My Information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a Vitim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 






Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan in question is through Santander Consumer USA. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession Santander continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. Santander sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. Santander still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as Santander asking for the removal of the account because of all of the inaccuracies. I have never received a response from Santander and the credit bureaus will send a letter or email asking for additional time with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XX/XX/XXXX. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Debt collection

i recently learned about getting a credit report so i got my credit report and discovered there was an account on my report that i did not open at all.. so i contacted the company to discuss this matter they told, e there was no account. so i disputed through the credit bureau.The credit bureau came back with a verified account through the company. i then disputed it 3 more time and got the same results. The last time i disputed it the company Regional Acceptance came back and added another account on my credit but changed the account numbers around and also added 3 payments on both accounts. which i never ever paid on. this company is fraud i never had one account with them let alone 2 accounts and i sure have named made an payments. This company is knowingly committing fraud on my reports. Please help me with this
Product: Credit reporting or other personal consumer reports

Ive reached out to Experian, XXXX, and XXXX in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


Experian XXXX  XXXX : Bankruptcy Original filing date : XX/XX/year> Reference Number : XXXX Record Type : Voluntary XXXX Court : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, 2024 Classification : Bankruptcy Type : Chapter XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX