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

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the XXXX XXXX XXXX as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. 


This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were 2 bankruptcies filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as multiple credit cards with XXXX XXXX XXXXXXXX which is listed as a charge off, Multiple self lender accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile. 

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my SS Card. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.
Product: Debt collection

I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.
Product: Vehicle loan or lease

I am a victim of fraud theft. I sold my ATV that was financed by Sheffield to an individual who led me to believe his bank was handling the payoff of my loan. However, in the end, he called into the phone bill pay system, entered false information and was able to show the loan as paid in full. The unit was delivered to the individual and 7 days later his funds returned as insufficient. My complaint is three-fold. 1. The phone system should require more identification and verification for someone to pay against a loan. All it asks for is the account number. The account number is easy to obtain and seems like a valid piece of information a bank might need to pay off a loan. No other information is required to make a phone payment so there is no way to know who is paying the loan or if they have authority to access loan details. 2. The phone bill pay system does not verify the checking account number, therefore, the system automatically assumes the account is funded and applies the "payment" to the loan immediately. 3. The funds for an ACH payment should not apply to the balance of the loan until the funds have cleared. The payment should show pending until the funding is verified. For this reason alone, I trusted the loan was paid in full because both the phone system and the online information showed a $XXXX  balance. Had it shown as "pending", I would not have given possession of the ATV until the funds were appropriately verified and applied to the loan.I spoke to Sheffield and they told me it was my fault for giving him my account number and all I could do was file a police report, but I am still responsible to pay off the loan. I understand my mistake now in giving my account number, but I honestly would have thought a financial institution would have higher standards and safeguards in place to prevent this type of fraud. If the system required verification of last four of social etc., not just anyone could falsely pay toward a loan. Also, if the system would have verified the checking account number with a check system, the payment would have been rejected at the beginning. Lastly, if the system would not have shown paid until the funds were verified and received, the loan would not have appeared as a $XXXX  balance and no action would have occurred with giving the theft possession of the vehicle. I believe the financial institution has the responsibility to right this wrong and not hold the account holder accountable for the loan given all the holes in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries that appear on my TransUnion credit report. 

XX/XX/XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX accounts are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Transunion dropping my credit score for XXXX reason over XXXX points. I pay ALL my accounts on time and my cc usage is Waay under 10 %. Contacted them and they were NO help at all. Rep in XXXX was so unhelpful.
Product: Checking or savings account

Capital One says having technical issues with one of his third party vendors and since XXXX XX/XX/XXXX we cant access the business checking or business savings anywhere to manage, transfer, do payments nor deposits. Their own bank tellers cant even do that as their system is down for 3 whole days so far. We have business commitments to pay and we are delayed because of this.
Product: Student loan

Asked for loan refund couldnt not get a response on weather or not I could get this not a time frame on when this would happen.
Product: Debt collection

Midland Credit Management has called me repeatedly using " No Caller ID '' after I have asked them to stop contacting me, they call and even though my identity was never verified they assured me they " knew who I was '' and the debt they are claiming I, the person who never verified their identity, " would be taken care of '' whether I verified myself or not. I have received calls at XXXXXXXX XXXX  and every hour or so after that from No Caller ID, the man on the phone admitted to doing this but said he " changed his number recently '' and couldn't help that it came up as No Caller ID. The number he gave me, when XXXX, comes up as being fraud and a scam on every link visible on XXXX. 
I am unaware of any debt I " owe '' and have never received any Debt Verification Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express offered me a discounted amount to clear the debt from my credit report. I paid the amount by the deadline of the offer, but it is still showing on my credit. It has been now 40 days since the account was settled. I call every day and ask that this be removed as I can not close on a home loan until it is removed from my credit. Please help!
Product: Consumer Loan

I have been trying to access my synchrony bank account through amazon for weeks. they say my bill is late and when I try to pay it I can not open my account. this has happened several times they are the worst company I have ever worked with, they are completely non-communicative and seem to take measures to keep one out of ones account. Please help, this effects my credit rating. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX *XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

My account history on Mohela 's website shows the following : XX/XX/2024, Payment of {$330.00} received from me.

XX/XX/2024, " Payment reversal '' of {$330.00} Since this date, all of my payments have been going to interest : zero has been applied to principal. 
On XX/XX/2024, it shows capitalized interest of {$70.00}. 
I have paid every month, my account is current. 

I have asked Mohela to explain the payment reversal many times, they have not answered. I have asked them why my payments are going to interest only, they have not answered. I have asked them about the capitalized interest, they have not answered.
Product: Credit card

XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an account.
Product: Credit reporting or other personal consumer reports

Recent credit reporting shows inquiry from Citizens bank on XX/XX/22.No indication as to why it was pulled, requested information from company and they have no applications at that time. They could not tell me why it was on my credit report.
Product: Credit reporting or other personal consumer reports

Conn Appliances Inc {$2700.00} Account opened fraudulently on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports and I noticed XXXX, Transunion and XXXX furnishing accounts on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Mortgage

Because of COVID I applied for a deferment and was approved in 2020 I received a notice of servicing transfer from Novad to XXXX for FHA loan I am in need of a pay off for the partial payment deferment so I can close on a refi I have called all the numbers on the letter and can't seem to reach anyone for assistance. The recordings are all the same. 

This is been going on for a month XX/XX/XXXX when I started this process. It is causing me stress and I even may lose my locked rate. 

I really need to resolve this.
Product: Vehicle loan or lease

Navy Federal Credit Union approved an auto loan and overnight the check onXX/XX/XXXX. I found a vehicle onXX/XX/XXXX and the dealership called Navy Federal Credit Union to get authorization code to clear the check. Everything got cleared and we finalized the paperwork. I put insurance on it bought stuff for it and I'm ready to start business. 

On XXXX the dealership calls and states that the check did not clear. The bank called me as well after I received call from him to tell me they could not clear check because it's a commercial vehicle. No one had called me up until this point. I had spoke to several of the Navy Federal employees and all pulled up the account seen all the info on the vehicle including the XXXX report. They all stated everything was good to go. 

Navy Federal stated that I would have to get a business loan approval. So I called and tried to apply but they will not do vehicles under XX/XX/XXXX. So now I have a truck in my possession with a signed contract agreements that's not paid for. The dealership has spend money out and got everything transfer over and now have a truck that has accumulated more miles. 

Navy Federal Credit Union doesn't want to take accountability for their mistake even though some of their employee 's think they should. I need HELP!
Product: Debt collection

Upon inspecting my credit report, I identified accounts that I believe were added without my consent. I request their removal without delay.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute and demand immediate corrective action regarding the mishandling of my personal information as a result of the XXXX XXXX and XXXX data breaches. These breaches, which exposed my sensitive personal and financial information, have caused significant harm, including fraudulent activity and inaccurate reporting on my credit file. 

The breach of trust by these institutions has left me vulnerable to identity theft and financial fraud, which has already resulted in unauthorized accounts being opened in my name and incorrect reporting on my credit. This is unacceptable, and I expect the Consumer Financial Protection Bureau to take swift and aggressive action to rectify these issues.
Product: Money transfer, virtual currency, or money service

I want all money that has been stolen or missing out my account to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries : XXXX XXXX XXXX
Product: Credit card or prepaid card

received a correspondence from Discover dated XX/XX/2022, in reference to taking adverse action against my account attempting to explain why I was denied. Not only wasnt I put on notice of a reduction of the credit limit 45 DAYS prior pursuant 12 CFR 1026.9 ( c ) ( 2 ) ( vi ), I REJECT their offer of the new proposed credit line of {$11000.00} pursuant to 12 CFR 1026.9 ( h ). I in good faith exercised my right to extend credit as a consumer and a creditor and I was denied for no specific reason. Discover has clearly DISCRIMINATED against me pursuant to 15 USC 1691 ( a ) ( 3 ) with an alleged assumption that Im in a situation that affect my credit worthiness. The reason ( s ) provided were insufficient pursuant 12 CFR 1002.9 ( b ) ( 2 ) based on their decision to take adverse action from an obtained credit score at the time Discover obtained my information from XXXX. Discover also violated federal law and will be held civilly and criminally liable due to violating XXXX5 USC 1602 ( p ) for using my credit card ( as defined under 15 USC 1602 ( l ) ) with no apparent authority and I the cardholder and consumer received no benefit. Discover are now civilly and criminally liable under : 1. 15 USC 1611 2. 15 USC 1691e 3. 12 CFR 1002.16 4. 12 CFR 1026.1
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXXXXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Product: Debt collection

I couldnt pay the loan and the car was a lemon, now theyre just doing hard inquiries on my credit without my consent. 
Mariner finance located in XXXX pa.
Product: Credit card

The company was Barclays. XXXX I made conctact with them on XXXX and filed a complaint after I kept receiving bills in a married name that I used over 25 years ago, and I have never had or applied for a credit card thru them. They advised me that on XX/XX/XXXX credit was applied for and a issued to XXXX XXXX, and it was for XXXX and they had all my information SSN and DOB and current address. When I asked what it was used for they advised that on XX/XX/2023 for 8 days in a row the card was used at XXXX in Florida for XXXX each day, and then at XXXX XXXX in California for the amount of XXXX and the phone number for them was XXXX. I asked what can I do about it, and they advised they would investigate. Then just a few days later I received a letter that all the information was correct and it was my debt. I'm a XXXX XXXX  and I have a credit score of XXXX. I do not need bad credit on my report, especially one that I did not create. I made a police report. Approximately one year ago XXXX XXXX XXXX, in XXXX, texas sent out letters that their Computer systems had been compromised and everyone 's patient data had been obtained by someone on the web. I have had no problem til now. I just don't know what or where to go from here.