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

On XX/XX/2023, Experian received a Re-Investigation Letter from me ( letter attached ) asking for a re-investigation according to the Fair Credit Reporting act, 15 USC 1681i Procedure in case of disputed accuracy, for some accounts that are incomplete and inaccurate on my consumer report. Attached to my letter sent to Experian I added a copy of my drivers license, a copy of my utility bill and the last four of my social security number as proof of identity. Experian responded on XX/XX/2023, with a computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). I didnt receive a reason to why Experian didnt think it was me or what could be done for this to be fixed. According to 15 USC 1681i ( a ) ( 3 ) ( C ) I should have received : ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

I responded to Experian with another certified letter ( attached ) on XX/XX/2023, informing Experian of what is required under the Fair Credit Reporting Act and asked them to please contact me only by mail. I again attached the same documents, a copy of my drivers license, a copy of my utility bill and the last four digits of my social security number. Experian responded on XX/XX/2023, again with the same computer-generated email stating they would not be completing a re-investigation because they didnt think it was sent by me or authorized by me ( the email is attached ). 

My family is about to PCS ( Permanent Change of Station ) and we are trying to buy a house once we move. These errors are damaging my consumer report and Experian has committed so many violations with the inaccurate and incomplete accounts that are being reported and the violations for not completing my re-investigation. I attached a highlighted copy of an up-to-date copy of my consumer report. I would like the following accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 We are pass the 30 days that Experian were required to complete a re-investigation and the 15-day grace period for any additional evidence. I would like these accounts removed immediately according to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a business line of credit with Wells Fargo. The account was opened approx. XXXX when I lived at XXXXXXXX XXXX XXXX XXXX XXXX. The account has been inactive for some time as I am semi-retired. I am not a computer wizard and never used this account with online banking. I felt that the bank had a fiduciary responsibility to protect the account. On XX/XX/XXXX I received a call from my granddaughter in XXXXXXXX XXXX stating that we had a late payment on our Wells Fargo account around {$69000.00}. She e-mailed the info. to me and I quickly made an appt. with Wells Fargo Bank in XXXXXXXX XXXX. The Bank agent was XXXX XXXX who advised that several electronic transactions had transpired with a few accounts. I filed a fraud claim immediately with Wells Fargo. The perpetrator had stolen my identity, changed the phone numbers, emails and address on the account. That is why I was not aware of the transactions as the mail was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He used my name XXXX XXXX. ( I always sign as XXXX XXXX XXXX ) An additional fraudulent XXXX XXXX account with XXXX was opened without my knowledge and was used to pay the minimum payment on the Wells Fargo line. XXXX closed the account as it was determined to be Fraudulent. Wells Fargo Fraud dept. claims that I had made these transfers. Some of the transfers were $ XXXX to individuals that I have never heard of. I filed an Identity Theft claim with the XXXX XXXX XXXX, filed with the XXXX credit bureaus, XXXX XXXX, advised Social Security, FBI and several other organizations. The fraud department claims that it was my phone and computer used to make these transactions. I wouldn't have the foggiest idea how to do this. Wells Fargo sent a notice that I am responsible for {$69000.00} to {$80000.00}. I have no idea who these hackers are. I'm appalled at this decision. Wells Fargo allowed these individuals to make electronic changes to my account. Changed my name, address, email and phone number without any verification or identification. When I spoke to the fraud department they kept stating that the phone number and address were mine. They are not mine. In addition to the Wells Fargo incident, when I renewed my motor vehicle registrations at the XXXX  XXXX, all of my vehicles address had been changed to the same address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thank you for taking the time to review this Identity Theft and Fraudulent Theft claim. I very upset and losing sleep over this. There is definitely a problem in the electronic banking system. I have always paid my bills. If I made transactions, I would pay them. The people working in the branches at Wells Fargo were very helpful and I thank them for the help and direction. The Fraud Department at Wells Fargo should look at the people that have been scammed and ask how they would feel if it happened to them? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a medical debt owed by my father.  XXXX   XXXX   XXXX  for a hospital stay due to a  XXXX   XXXX . I am  XXXX   XXXX   XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Fl.  XXXX  (  XXXX  )  XXXX  if they would like to pursue the collection.
Product: Debt collection

ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 Equifax took it upon themselves to add an extended fraud alert to my credit report when I never asked for one. I do not want a fraud alert on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the laws that deals with identity theft in the United States is the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681. This federal law sets out rules and guidelines for how consumer credit information is collected, shared, and utilized. It also provides mechanisms for correcting any errors in credit reports, which can be critical for protecting my reputation and financial well-being.

Identity theft, when carried out using my personal information, could lead to defamation of my character because the thief 's actions might tarnish my credit history and financial reputation. For instance, if the identity thief uses my information to open fake accounts, default on loans, or engage in criminal activities, these actions could be attributed to me by creditors, potential employers, and others who might perform background checks. As a result, my ability to secure loans, find housing, gain employment, or make significant financial decisions like buying a house or starting a business could be seriously hindered.

As I'm working towards buying a house and establishing a business, having a strong financial reputation is crucial. Lenders, landlords, and potential business partners often assess my creditworthiness and character before entering into agreements. If someone has stolen my identity and used it for fraudulent purposes, it could result in financial liabilities that I'm not responsible for, which could negatively impact my credit score and overall reputation.

Considering 15 USC 1681, a part of the Fair Credit Reporting Act, this law offers specific protections for consumers like me whose credit information has been compromised. It includes provisions for accurate credit reporting and avenues to dispute incorrect information. These measures are vital in rectifying the harm caused by identity theft and preventing further damage to my character and financial prospects.

Identity theft involves someone using my personal information without authorization, such as my name, social security number, or financial details, for fraudulent purposes. This act can have serious consequences both legally and personally, including potentially damaging my reputation, which is a form of defamation. Defamation refers to making false statements that harm someone's reputation, and in the case of identity theft, it can happen when the thief uses my stolen identity for illegal activities, which can damage my character and stand in the community.
Product: Mortgage

I called US Bank several months before I suspected I would be having a seasonal hardship and asked them what my options were before we had any potential delinquency. 

They recommended that we utilize the XXXX loan modification. 
They instructed us to not make any mortgage payments for 6 months and then the XXXX loan modification would take over, we would receive a loan from the government and our home would be refinanced. 

They did not disclose that this would come at the cost of them reporting delinquency and an initiation to foreclosure. 

We sold our home in XXXX and have been renting. We just applied for a home loan and discovered all of this for the first time. I called USBank and asked them to remove those remarks. They would not. 

We can't get a loan and we are currently homeless as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 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: Money transfer, virtual currency, or money service

Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. Monday, XX/XX/2020 I made a sale on XXXX for an XXXX  XXXX   XXXX '' XXXX generation XXXX GB. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? Account ID : XXXX Furthermore in PayPals last response they stated the reason for holding the funds was so there would be sufficient funds in the event of a chargeback or refund. I HAVE ALREADY WON TWO, not one but TWO OPENED CASES FROM THIS ONE BUYER. The last case I won was because the buyer claimed unauthorized transaction, but the transaction was indeed authorized so I beat that case as well. Because of this there is NO OTHER REASON FOR PAYPAL TO CONTINUE HOLDING MY FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following acounts are not mine. 

XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have contacted both Experian and XXXX to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, Experian still has one account remaining on my credit. XXXX XXXX XXXX XXXX  and XXXX still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX  and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report NumbeXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A.

State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Product: Debt collection

When checking credit report I found an account from XXXX XXXX XXXX that I did not authorized. I was informed that it was sent to LVNV funding for collection. I did an ftc affidavit stating I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.
Product: Vehicle loan or lease

Account not mines never had the car.XXXX never investigated but vertified the account.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX in XXXX. The dealership facilitating the financing with Wells Fargo Dealer Services. I have made several requests for the Credit Score Disclosure to be provided to me, to no avail.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. These accounts were opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing these accounts from my credit history, as they were opened due to identity theft. 
XXXX XXXX. 
Your help in resolving this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XX/XX/XXXX - INQUIRIES/EQ XXXX XX/XX/XXXX - INQUIRIES/EQ XXXX XX/XX/XXXX - INQUIRIES/EQ
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made an online purchase from XXXX XXXX. I used my Apple Card to make the purchase, in the amount of {$100.00}. When I received the item I ordered I was not able to use it. It was wireless headphones and I was not able to sync the headphones with my bluetooth. I requested a return from XXXX and sent them back on XX/XX/XXXX. I tracked the return through XXXX and the package was received received by the XXXX XXXX XXXX on XX/XX/XXXX. When I did not receive a credit from XXXX I called XXXX on XX/XX/XXXX. XXXX and was told that if I did not receive the credit by XX/XX/XXXX to call back. When I still did not receive a refund I called XXXX and was told they would do an investigation to find out why I did not receive a refund. On XX/XX/XXXX I received an email from XXXX stating they were refusing a refund. 
On XX/XX/XXXX I initiated a dispute claim using the XXXX XXXX app on my phone. I received a temporary refund of {$100.00} for the amount of the purchase. On XX/XX/XXXX I received an email from Apple Card Support telling me that XXXX stated they never received the item and I was being charged for the purchase. When I initiated the dispute on the app I had to answer a few questions, one of which was if I could provide documentation to support my claim. I answered Yes and they stated that they might request the documents in the future. They never contacted me or gave me the opportunity to submit my documentation.
Product: Debt collection

I have a debt on my credit report for XXXX that i have no knowledge of or gotten no notification of it
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX Partial Acct # XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, someone stole my identity and opened an account with XXXX XXXX. The balance was sent to a collection agency RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 
We filed a police report in XXXX of XXXX  and did the required paperwork from XXXX XXXX. At that time, the other credit bureaus had it removed, but XXXX did not. We recently found out that the fraud is still on our credit report with XXXX, and filed a dispute, but they refused to remove it. 
Today we called XXXX XXXX who told us they had it removed from the XXXX XXXX XXXX, but they refused to do anything else about it. We called the credit collection agency, who said the debt is still valid and was not removed by XXXX XXXX. They hung up on us and wouldn't tell us anything else. 
XXXX, XXXX XXXX, and the collection agency will not help us have this removed and we are trying to buy a house.