23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. XXXX, Equifax, and XXXX did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : XXXX, Equifax, and XXXX has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Billing Act 1666b requires XXXX, Equifax, and XXXX to have physical proof that statements were delivered to my address at least XXXX days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I realized that my bank had shared the incorrect SSN with the three credit agencies. My bank communicated the new information to Equifax, XXXX, and XXXX. XXXX and XXXX were wonderful ; they assured me that the error had been corrected and reflected accurately. However, Equifax was an absolute nightmare. 
Not only was the SSN not changed, despite being provided by a major bank, but my numerous attempts to fix the issue landed on deaf ears. 
I submitted 6 online disputes, and these disputes all concluded that the requested information had been updated, yet the information still presented incorrectly on MyEquifax.com, and I was unable to access my Equifax credit reports via XXXX. 
Additionally, I had mailed even excessive amounts of supporting documents to the given address twice, faxed the same documents twice, yet I was told by a rude agent over the phone that the documents I had sent were illegible ( as if I wouldnt notice that before mailing them ). 
Now, to address your customer service agents, they have been nothing but useless. I think we can all agree that I should not have to call customer service more than 15 times to get a singular clerical error fixed. Not only do they spend a suspicious amount of time typing in silence before I receive aid ( I had two agents spend more that 30 minutes in this silent/typing stage ), but it seems that the answers that they are giving me are completely randomly generated. 
Most agents tell me to resend the copies, one told me that it was a technological error on XXXX and that my information was correct ( that was a lie ), and another told me that the copies I both mailed and faxed were illegible ( they were not ). Additionally, all dispute results I have received seem promising and appear to have fixed my issue, only to be blatant lies ( the information remains unchanged ). Additionally, I have emailed proof from Equifax of a dispute being completed more than two months after initiation, which violates my rights under the Fair Credit Reporting Act. 
I am so incredibly frustrated and honestly, completely done with this process. It has been 6 months since I first attempted to get a singular number changed in a false SSN, and since then I have spent my own money on sending copies to Equifax, and wasted my time on lengthy and vapid phone calls with customer service representatives. And, want to know the cherry on top of it all? Equifax now has my address wrong, and not only is it an address that doesnt even exist geographically, it is an address that they certainly didnt get from my XXXX or XXXX file, or my bank account. 
I would like to know what you plan on doing to fix my situation, because it is absolutely absurd that I have had to jump through so many hurdles to fix such a small clerical error that wasnt even my doing. The errors in my personal information on my Equifax file need to be resolved, now. 
I truly hope to never associate or deal with this company ever again, and I will be sure to tell all new creditors that I meet to avoid your company like the plague.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$140.00} XXXX XXXX {$2100.00} XXXX  XXXX {$190.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00}
Product: Credit card

My name is XXXX XXXX. My email is XXXX. My number is ( XXXX ) XXXX. The last XXXX of my social is XXXX capital one card number is XXXX. This card used to be an secured credit card. But this year capital one converted my card to unsecured card and send me {$2800.00} refund balance check on XXXX. But i never received this {$2800.00} refund check. Please resend this check my mailing address on file which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ASAP! Capital one closed my account a few month ago. I do not want to bank with them anymore. Please give my money back ASAP! Thank you!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my 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
Product: Credit reporting or other personal consumer reports

Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life. 

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine. 

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase. 

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security. 

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship.

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.
Product: Student loan

On XXXX XXXX  I called edfinancial to request that the overage I am paying every month on my student loan payments be put towards my principal and she said that is not possible and I am not able to choose where the money goes. I then tried to inquire about why my interest rates were so high and she told me I had unpaid interest. I asked if I could pay that off right now and she said no I am not able to just chose to pay off my unpaid interest and that interest will keep accruing interest for the life of the loan even though I am paying an overage every month.
Product: Credit reporting or other personal consumer reports

Experian shows a credit card on my credit report that does not belong to me and I have never heard of. It is registered in another state under a phone number I don't recognize. I disputed the account with Experian, but it was resolved and not removed from my credit report. I need the unknown credit card removed from my credit report.
Product: Mortgage

I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in XXXX. In XXXX The  Company was transferred to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to XXXX XXXX  they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.
Product: Checking or savings account

I have experienced several incidents where Wells Fargo is charging me for insufficient funds fees when I have a low balance. I have called to complain several times and their policy is that only 1 forgiveness per year. This would be ok if I actually overdrew my account. At this time, I am unable to provide dates besides the last incident which was on XX/XX/2021. I will research my records for other dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have a business account with XXXX XXXX XXXXXXXX and I am the legal representative. On XX/XX/year>, at XXXX XXXX, I went to make a deposit at an ATM while visiting my sister. I mistakenly deposited the money into a US Bank ATM. I inserted my XXXX XXXX XXXX card, which the machine accepted and read, allowing me to proceed with the deposit. I deposited {$4900.00} in cash, but instead of canceling the transactionwhich would have been the logical actionthe ATM retained my money and issued a receipt. The receipt was in XXXX, my first language, and stated that an error had occurred, and that the funds could neither be credited to my account nor returned. It instructed me to contact my financial institution using the number on the back of my card, and thats where my nightmare began. 
I went in person to the US Bank branch where the ATM was located to seek help. Their response was that I needed to contact my bank to file a dispute so they could facilitate the transfer of the money to my account. I then called my bank, XXXX XXXXXXXX XXXX, and was told they could not assist because the issue was with a US Bank ATM. When I contacted US Bank again, they told me it was up to XXXX XXXX  XXXX. After more than XXXX calls on the same day, I decided to visit the US Bank branch in person at the end of the day and spoke with the XXXX. She reiterated that she could not help because the ATM service was outsourced and she did not have access to the money. We needed to contact my bank XXXX XXXX XXXXXXXX XXXX ) to open a claim so they could facilitate the transfer. During this call with the XXXX present, the advisor initially repeated the same information but eventually provided us with a claim number that turned out to be false. We were told to wait XXXX business days for a response. 
On XX/XX/year>, we called again and were informed by an advisor that the claim number was not valid and was only a call reference, meaning we had not received a genuine resolution. That same day, we returned to the US Bank branch and spoke with the XXXX again. We called the bank once more and were finally given a valid claim number. This occurred on XX/XX/XXXX. A few days later, we saw the {$4900.00} in our account, so we assumed the dispute had been resolved. We did not check the account again until yesterday, as it is a business account reserved for a project that is on hold. We discovered that the money had not been debited. When we called for an update, we were informed that the money could not be found, and US Bank has not provided any answers. Essentially, we do not know who has our money despite US Bank accepting it at their ATM. XXXX bank blames the other, but neither provides a solution, and I need my money. Neither bank offers clear guidance on the exact process we should follow, and I feel as though I have been robbed.
Product: Credit reporting or other personal consumer reports

Please remove inaccurate personal information/addresses listed on the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove Thank you, XXXX XXXX XXXX
Product: Mortgage

Back in XX/XX/2019 I missed a payment on our 2nd mortgage and didn't realize it. I sent my regular payment in XXXX but XXXX considered it insufficient funds and put it in a separate account and didn't apply it to the loan. As the months went on I am thinking my payments are being applied they were not and late fees and other charges were added. XXXX has since went bankrupt and sold our loan to a collection agency called ShellPoint Mortgage Servicing. Our first encounter with them was a phone call from them telling us we owed that XXXX payment and that our account is severely delinquent and that we owed from XXXX to current date. The payment I had made in XXXX was sent back to our bank and also not applied to the loan. Shellpoint said they had no record of our payments and that we were lying about sending them. We have sent proof from our bank but now they are not calling or returning emails. Every time we tried calling and speaking to a representative we got different information and no one is willing to help us. Shellpoint is telling us we have to pay the back payments plus all late fees and other charges before working with us. So basically we have to pay the amounts we have already paid before releasing our payments and applying them to the loan. We want to refinance our loan with a reputable mortgage company but this is ruining our credit. Please help.
Product: Credit reporting or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 15 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ).