23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.
Product: Mortgage

I bought my first home in XXXX when I was XXXX years old. I needed to have XXXX loans on it to purchase it and I really wanted it. I do n't know the reasons why but I had XXXX conventional loan at XXXX 30yr at 7.25 % and a XXXX ballon loan XXXX 15yr at 8 %. After XXXX yrs I refinanced my XXXX loan reasonably. But nobody seems to want to touch the XXXX loan or wo n't touch my XXXX loan. It seams unreasonable for the lending company 's to have a policy that would prohibit the loan from being refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX XXXX XXXX, XXXX  XXXX. 

I've never lived at these addresses listed above. XXXX U.S.Code XXXX Section XXXX A. States I have the right to privacy. XXXX U.S.Code XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.Code XXXX. ( a ) ( XXXX ) XXXX States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than XXXX years. XXXX U.S.Code XXXX ( A ) ( XXXX ) A persons shall 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: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, several unauthorized accounts and inquiries have been placed on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below be blocked and deleted from my credit file. 
The following account has been fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XXXX XXXX I was hit by another driver, 3 months later the vehicle was ready to be picked up which was not exactly true. The vehicle was sopposed to be repaired to atleast safe condition after the insurance company payed more to fix the vehicle than what is owed. I had to keep visiting the repair shop to fix what was not fixed. Around 4 times atleast. For suspension related issues and just poor work overall. Just recently the front assist light came up and also caused the cruise control to not function and after 2 weeks of trying to get a set date ( XXXX XXXX ) I was not able to take it in. I also believe it has frame damage. Since the accident unfortunately I did fall back on payments due to transportation and also the rental which was more than expected just because the vehicle needing more time at the repair shop. I was never reimbursed for the rental which was almost {$3000.00}. All this was mentioned to VW credit and they just wanted payment which I couldn't due to my situation. So I had no choice but to try and sell the vehicle once it was repaired and safe but The car was repossessed recently ( XXXX XXXX ) all while I was in the vehicle. I was taken out and told I had to give the car up for non payment which I completely understand. Any help is appreciated thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

Citi Bank sent me an advertisement via email on XX/XX/2023 offering a {$450.00} bonus if I open a Savings Account with {$50000.00} deposit. I have opened and funded the account, but never received the offered bonus of {$450.00}. 
I had a conversation with Citi representative XXXX who promised that my account would be credited. As of today, my account is still not showing the promised bonus. This could be a case of false and misleading advertising. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains an old account that was included in my bankruptcy - XXXX XXXX XXXX for XXXX in the amount of {$1600.00}. 

According Fair Debt Collection Practices Act, debt discharged in bankruptcy has a statute of limitations for reporting - 7 years. This account was paid off/ discharged in 2015, which is 7 years ago.

As a single mother of 3, Im planning to apply for a mortgage as a first time homebuyer, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the very old account Thank you for your consideration, and I hope youll approve my request.
Product: Debt collection

Bankruptcy was dismissed and discharge over 10 years ago and XXXX XXXX was paid in full ( should be removed from my credit file ) was paid prior to be in my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for
Product: Checking or savings account

My direct deposit is not in my bank and I have bills to pay. No deposits have happened since Wednesday XX/XX/XXXX and now it is Friday XX/XX/XXXX and I need my money now.
Product: Checking or savings account

On XX/XX/XXXX i was contacted by a scamer. thru his process i made the mistake of opening my account. when i realized this was a scam. i called usaa to freeze my accounts. i needed to stop payment on my accounts. i spoke with XXXX who refused to do that.. instead she wastes time changeing my account security. when she should have froze my accounts first and then changed the security on my accounts. by doing this she bought the scammer time. when she finished with me she did not report the scam. i had to call again to stop payment on my accounts. this got the scammer more time to scam my accounts. if usaa would have co operated with me there would have been a different outcom. i never received a copy of any dod when i opened the savings account. t have had a checking account with this bank since 2015 and never was made aware of any dod.evidence shows XXXX did not follow the proper protocal. i need the XXXX back in my savings account.
Product: Mortgage

WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.
Product: Debt collection

I have notified transworld numerous times that I am not XXXX XXXX. They keep saying they will remove me from their list but never do. She gave them my number. An easy lookup of her name online shows her real number as XXXX. This is one digit off from m my number. This has been going on for years and is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a veteran with VA healthcare coverage and I had an emergency ambulance trip to the hospital. The information needed was provided to the company but they either refused to submit the claim/submitted it incorrectly/sent claims to the wrong department and they immediately sent it to collections. The supreme court ruling in XX/XX/2019states that the va has to be given the opportunity to pay it. I had no other insurance but them so there is no excuse for this ambulance company to have done this. I dilute it on experian, and not even a full day they closed it, with NO CHANGES AT ALL. This is highly illegal. This is ruining our ability to have a decent chance at loan opportunity, for covered services because two companies are too lazy to do their jobs. It's my name and social, boom, va health care pulls right up.
Product: Debt collection

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am a XXXX XXXX XXXX XXXX and Veteran. I am applying for a VA loan. However, my estranged husband abused my credit, changing my credit from excellent to poor. XXXX of his accounts is incorrectly listed on my credit report. I filed a dispute to remove an erroneous account from my credit report. The credit provider, XXXX XXXX, provided evidence the account does not belong to me, then proceeded to delete it from my XXXX file, Transunion file, and XXXX file. XXXX and XXXX updated my report immediately. However, Transunion refuses to remove it because they tell me they have 30 days to resolve the dispute. After speaking with XXXX other employees, I was transferred to a supervisor by the name of XXXX, then to his supervisor XXXX, then to her supervisor XXXX. All XXXX employees subordinate to XXXX verified the evidence from XXXX was in my file, XXXX, however said it was not there. I asked to speak to her supervisor, but she refused. Ultimately she offered a 48hr call back, then hung up on me when I asked to speak to that person 's supervisor. 

I called back, spoke with XXXX before who transferred me to XXXX. I told XXXX the situation and that I am in process of filing a complaint with the FTC and a congressional inquiry. I asked for the name of the supervisor in-charge of the special handling division. After putting me on hold, she said she was unable to give out that information. I tried to find the information online, but was unable. The bottom line is, the erroneous account belongs to my husband. It is preventing me from getting a VA home loan. My husband abused my credit cards, which caused my excellent credit to be damaged. But the biggest issue precluding the loan is the account in my husband 's name. Transunion has a policy wherein, if multiple disputes are being investigated, they will not update the account until they resolve all the disputes even though the disputes have nothing to do with XXXX another. I would like a remedy in the form of this erroneous account being taken off my report. The customer service at Transition special handling division is deplorable in the special handling branch.
Product: Student loan

I have multiple loans through Mohela. In XX/XX/XXXX I qualified for PSLF under the most recent guidelines. I was informed 1/6 loans were forgiven. Though loans should have qualified I was told that the employment verification for the 2nd loan had not been submitted. I have submitted this form 5 times, and it is the same employment information as the first loan that was forgiven. 

I was told in XXXX of XXXX that Mohela loans were being transferred through student gov and I had to wait until that transition was complete. I was told in XXXX that there were two Mohela platforms, the old one and the new one that had loans through student loan. My old loan was found and determined that I had a {$510.00} credit that should be awarded to me. I spoke with a manager a few days later that said the person that submitted the form for a refund did it incorrectly he would update the information. 

I called and spoke to someone in XXXX, XXXX and XXXX. I am told I should be getting the refund but it never comes. 

In XX/XX/XXXX I did get notice that the 2nd loan was forgiven, but no information on if refund will be awarded. 

I have been owed a refund since XX/XX/XXXX I have called at least a dozen times, I have filed 3 complaints on the student gov website, to no avail. My complaints have been deleted or ignored. 

As of XX/XX/XXXX I am unable to log into my account online, it says I have the wrong password which I infact do not. I clicked to reset password and computer screen does not go past the forgot password screen. 

I would like to have a refund that I am owed for both loans, but will settle for the first loan refund as the other loan may need time to process. 

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

XXXX/XXXX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XXXX/XXXX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XXXX/XXXX/2021 Final Follow Up and Response Requested and Demand for Removal My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX and Transunion on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE.

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and greatly affect me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Debt collection

A woman named XXXX XXXX called me stating there was a pending fraud case against me stemming from a deposit that had been red flagged as fraudulent. She did not state what organization she was affiliated with. When the call came through originally I did not answer it as it came up " anonymous '' on my caller ID. 

I did not find out that she was with the Eastbrook Group LLC until I called the XXXX XXXX number she left in the very threatening sounding voicemail.
Product: Debt collection

Hunter Warfield never gave me a chance to dispute this alleged debt, which breaks the law 15 U.S.C 1692g - Validation of debts. On XX/XX/, I took matters into my own hands and sent Hunter Warfield a debt validation letter. In the letter, I asked Hunter Warfield to validate this alleged debt with the following questions : 1. The name and contact details of the original creditor. 

2. A detailed breakdown of the debt amount, including any interest or fees that may have accrued. 

3. Proof of any written agreement or contract that establishes my liability for this alleged debt. 

4. Verification that your agency is authorized to collect this alleged debt. 


Hunter Warfield ignored my previous questions and only answered question 2. Hunter Warfield responded to my debt validation letter by stating I owed {$320.00} with a XXXX XXXX  interest rate and ignored all my other questions that would validate my alleged debt. The company sent me a lease application agreement but did not send me a contract between me and Hunter Warfield.

Hunter Warfield violated code 15 USC 1692d- Harassment or abuse because the company reported this alleged debt to my credit which can ruin my reputation. 

The XXXX XXXX XXXX is the original creditor, and they sold my personal information along with the debt, to Hunter Warfield which is a violation of code 18 USC 1028. I know they sold my personal information to Hunter Warfield without my permission because Hunter Warfield has my old address where I no longer reside on file.