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

I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with XXXX XXXX. The card in question was opened when I was underage, making it impossible for me to have initiated the application process or provided the necessary identification. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX 's customer service hotline to report the issue and seek assistance in resolving the matter. I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including the fact that I was underage at the time of its opening, XXXX XXXX has continuously disregarded my pleas for assistance. I have taken several steps to prove my innocence, such as providing copies of my birth certificate and school records to verify my age during the time the account was opened. However, these efforts were met with indifference and were seemingly ignored by your company. 

I am appalled by the lack of urgency and concern displayed by XXXX XXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that XXXX XXXX promptly initiates a thorough investigation into this matter and takes immediate action to remove the fraudulent credit card account from my name. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that XXXX XXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXXXXXX XXXX  XXXX Account numberXXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.
Product: Checking or savings account

IN XXXX I WAS A VICTIM OF IDENTITY THEFT ... MY WELLS FARGO ACCOUNT WAS COMPROMISED ALSO THERES OTHER BANKS ON MY CREDIT REPORT THAT NEED TO BE REMOVED ALSO & CREDITORS & SEVERAL INQUIRIES THAT WERE DONE WITHOUT MY AUTHORIZATION THIS HAS BEEN A DEPRESSING PROBLEM PLEASE REMOVE THE WELLS FARGO UNAUTHORIZED XXXX XXXX ASAP TY ATTACHED IS A POLICE REPORT FROM XXXX TY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.
Product: Debt collection

This is my second complaint against Portfolio Recovery. 

On XX/XX/2022 I made a complaint against Portfolio Recovery Associates , LLC ( XXXX ) for violation of the FDCPA and accusing them of participating in racketeering activity and defamation of character. See Complaint XXXX On XX/XX/2022 the company responded denying all allegations but failed to provide any evidence or proof of claim. In their response they stated Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. What was the method of verification used? Who was interviewed and what documents were reviewed? 

The company also stated that it purchased the account from XXXX Bank ( " XXXX '' ) XXXX XXXX. However the company failed to provide any Purchase Agreement, Bill of Assignment, Chain of Custody or any account-level documents. 

PRA is reporting to XXXX that the account balance is {$570.00}. However in their response they state the account balance is {$610.00}. XXXX also is reporting a High Balance of {$610.00}. How was this amount calculated and why is there a discrepancy in amounts? It is clear that PRAs business records are not accurate and they are reporting negative false information about me to the credit reporting agencies. This defamation of character is affecting my right to obtain credit. 

Providing the credit reporting agencies with deceptive forms and attempting to extort money from me is racketeering activity. Continuing to engage in these fraudulent business practices will make legal action necessary.
Product: Checking or savings account

I received a letter to my old address on Wells Fargo letterhead dated XX/XX/2023 that I had not cashed a check dated XX/XX/2023 sent by Wells Fargo " due to account closing issues ''. I never received a letter explaining the check from XXXX to current. So, I was hesitant to call the number on the letter and instead, called Wells Fargo customer service. I was transferred to 4 different people and 3 of the 4 told me they didn't know anything about me receiving a letter/did n't have enough information from the letter to do anything for me. Finally, I was transferred outside of Wells Fargo to a rep that stated they were the third party teaming with Wells Fargo under the settlement to issue payments to clients for wrongful charges. The rep was able to resend me a check to my current address and with my current name but was unable to explain what I was being reimbursed and from what year. She explained that I needed to talk to customer service, which I was transferred to. The Wells Fargo associate told me that because I had no accounts ( opened or closed ) associated with the account number on the letter, that they could not look up any information to find the activity that warranted the refund. I explained that I have only ever had a checking and savings account with Wells Fargo and their account numbers never changed and I asked her how the number could be different. She was unable to explain the random account number and unable to give me any basis as to where the check amount came from. I spent over an hour on the phone looking for answers and no one was able to help. i was told that the letter had an account number that I do not have with Wells Fargo and that I needed to give them the full account number on the letter although only the last 4 digits were included. This number did not match either my checking or savings account numbers. They also checked to see if there was a closed account with that number and confirmed there was not. This raises concerns as to why the letter would say that the check was due to account closure issues. I find this concerning and frustrating that I was not informed on where the check came from and how the number was calculated. I am unable to check the accuracy and must rely on Wells Fargo, who was negligent in the first place, to be accurate on this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wow! This has been a roller coaster for me! I have been fighting to improve my credit and XXXX XXXX, XXXX XXXX  is extremely difficult to work with. I am trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe my credit report doesnt accurately reflect my creditworthiness or my dedication to paying back my debts. Also, I am working with XXXX XXXX XXXX and the XXXX XXXX XXXX in order to reach my goal of Homeownership. 

After reviewing my credit report, I discovered a late payment was reported in XXXX of 2020. With that said, I wrote a Good- Will letter ( attached ) to XXXX XXXX as a second attempt in working with them. The only response that I received back was under-reinvestigation. Now, the other issue I have is they haven't reported my last three payments?? Ahhhh! I got a little crazy and analyzed the XXXX out of my bills and comparing to my credit reports. Come to find out, I was humbly requesting for a good will adjustment and they are the ones that caused every single one of my late payments ( attachments included ). I made XXXX sheets to compare. I was one day late, paid account in full and had a negative balance. If you compare some of the reversals I was able to get in the past you will see they are admitting fault yet still reported significant damaging items on my credit report. I had a XXXX  balance, and then for 2 months a - {$12.00} balance due them keep charging me late fees. 

Two Side Note Questions you may be able to assist me with ; I have truly come full circle and deserve a break. At XXXX, I Graduated this year Covid-2020 with my XXXX XXXX in XXXX XXXX and have come full circle as a XXXX XXXX of the XXXX. I was given student loans prior to having my XXXX  and did not understand the effects of MASSIVE student loan debt. I have multiple Late Payments on my XXXX XXXX as well. Not sure if there is even a way to remove? I wish I would have been able to view the interactive webinar explanations! 

My Credit score is increasing and I am in a position that my lease has expired and I need to move fast with getting my credit scores to par. It seems as though Equifax is not reporting many things and really behind in staying updated on accounts I have paid off. The score is significantly less than that of XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

Experian penalized my score because I vigorously attended to my credit to have my credit and credit score correct. My score was XXXX with some debt, but I complained to keep my credit report correct, and Experian dinged my credit score XXXX points, even when I got to XXXX debt, because Experian was angry you had to do your job. I want to exhaust with Consumer Financial Protection Bureau all remedies to redress my grievance with Experian. I will then take it to the next level until Experian fairly treats me, and truthfully and honestly reports my true credit. I will guess this is my last remedy for redress of my grievance with your company, Consumer Financial Protection Bureau. 

I do have recording of each conversation if you need to have a transcript. 

I called twice to Experian, and I was rudely hung up on further prohibiting me my due process right. This will set up my next remedy in Superior Court.
Product: Debt collection

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.. 

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

Not sure why lvnv funding is on my credit report in the amount of {$2700.00} I didnt give permission to release my info to this debt collector XXXXXXXX XXXX XXXX  as well in the amount of {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 XXXX  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 XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries was discovered on my account XXXX XXXX Capital one bank USA XX/XX/22
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXX BANK XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX CREDIT XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX BANK XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

Please see attached. Exhbits to follow by Fax. Additionally, Please refer to exhibit on Defective Notice of Default on CFPB files # XXXX and XXXX - LENDER is NOT Identified - and other matters that lend support to a deceptive practice to steal our home " with the stroke of a pen. '' Likewise, Quality Loan 's Notice of Trustee SALE issued XXXX XXXX, 2016 for auction sale against our home two days from now - XXXX XXXX - DOES NOT IDENTIFY LENDER. THANK YOU FOR YOUR URGENT INVESTIGATION and ENFORCEMENT action.
Product: Debt collection

When checking my credit score in early XX/XX/XXXX I became aware that since XX/XX/XXXX a {$160.00} debt in my name had been in collection by IC System, on behalf of XXXX XXXX. I had not received any written notification of this debt collection at my current address, where I have lived for 3.5 years. 

I disputed the collection on my credit report, since it seemed to be a mistake. But when XXXX refused to dismiss the collection from my credit score, I contacted IC System today ( XXXX XXXX, XXXX ). IC System confirmed that this amount in collection is a small outstanding cable bill from my previous residence, where I have not lived since XX/XX/XXXX. Obviously I would have paid this amount if it was fairly owed and I was made aware of it. My mail was forwarded for 12 months after my move, and this is the first I have heard of a debt from XXXX XXXX. Unfortunately the damage to my credit will cost me much more than the disputed amount. 

Despite my current address being publicly available, XXXX XXXX and IC System made no attempt to contact me about the collection at my current address. Thus, for four months, I was completely unaware of the collection attempt and the negative affect it has had on my credit score. 

Surely, a debt collection agency should be required to contact individuals at their current address when it has been publicly available for many years. It should not be the responsibility of the consumer to do their work for them, and accept demerits to their credit scores in the process. 

Thank you for your help investigating this issue.
Product: Student loan

I am writing to formally file a complaint against Nelnet, my student loan servicing company, regarding their mishandling of my account and the inaccurate reflection of my payments. 

Despite my consistent and timely payments to my student loan account through Nelnet, and receiving confirmation from Nelnet that these payments have been received, their website does not accurately reflect these payments on my accounts. This discrepancy has resulted in my account being incorrectly marked as delinquent or late on payments. 

I have called Nelnet 's customer support multiple times to address this issue, spending many hours on the phone trying to resolve it. Despite these efforts and enduring long hold times, the problem remains unresolved. My account continues to show an incorrect status, which is causing me significant stress and concern. 

The payments that I made that were not posted to my account in a timely manner include my payments for XXXX, XXXX, and XXXX. While Nelnet did post my payment for XXXX as an " other '' payment type rather than electronic ( there has been no change in the way I am making my payments ), payments are still not showing for XXXX or XXXX. 

I am worried that this inaccurate reporting will negatively impact my student loan balance and could potentially lead to a default on my loan through no fault of my own. This situation is not only unfair but also detrimental to my financial standing. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Nelnet accurately updates my account to reflect my payments and corrects my account status promptly. 

Thank you for your attention to this serious matter.
Product: Vehicle loan or lease

Mid Atlantic finance has terrible business practices and they are not good on their word when they say the payment stays the same They have received payments and I only been behind due to My job not paying me on time and not Enough They have overcharged my account They threatened to repo my XXXX XXXX XXXX car I should be able to keep my car in order to go to work I will seek legal action if Mid Atlantic does not stops with the phone calls and over charging late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert from XXXX XXXX XXXX that I had negative information posted to my credit report. Went to XXXX to review the Item. XXXX, XXXX, and XXXX  were displaying that I had a late payment for XXXX for Specialized Loan Servicing that is now 60 days past due. Filed a dispute on XX/XX/2020 with all three agencies and provided receipts that I had not missed a payment for XXXX, XXXX and XXXX. Also, contacted Specialized Loan Servicing on XX/XX/2020 and they had stated that they had received my payments, but had not posted them to my account. That they would put in a ticket to escalate this issue. Nothing has been updated on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT ACCOUNT WAS NEVER LATE. ACCOUNT HAS ALWAYS BEEN CURRENT.