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

I am writing to formally dispute the reporting of a fraudulent account under the name XXXXXXXX XXXX ( # XXXX ) on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXXXX XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXXXX XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in Reporting 1. XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 5 Time ( S ). 
2. Equifax and XXXX : Was 30 Days Late 2 Time ( S ).

Was 60 Days Late 2 Time ( S ).

Was 90 Days Late 4 Time ( S ). 

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services.

Applicable Laws and Regulations 1. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft.

3. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( XXXX ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( XXXX ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( XXXX ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
XXXX. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within XXXX days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and XXXX also constitute fraud. If no response is received within the XXXX window, I will pursue all available legal actions to ensure compliance. 
XXXX. Correction of XXXX Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Student loan

Hello. 
I started to make payments on XX/XX/XXXX to XXXX. I continued to make payments to XXXX  until XX/XX/XXXX. Mohela was soon changed to my lender after XXXX  discontinued. I started to make payments to mohela in XX/XX/XXXX. I did not see the payments from XXXX  reflect on my balance. I paid around {$5000.00} and emailed them about it not reflecting. They then replied that itll take about 90 days to show, this was XX/XX/XXXX. I then followed up on XX/XX/XXXX and they said Id have to call. Every time I call I have waiting well past 30 minutes and dont have time to do so. I am currently on hold for 5 hours with no assistance on my situation. This is the worst experience with a lender. I am stressed and feel like Im paying into a black hole. I looked up online and many others complained with mohelas customer service and discrepancies.
Product: Credit reporting or other personal consumer reports

There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed.

PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well.
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " XXXX XXXX XXXX '' " closed '' accounts, " XXXX XXXX XXXX XXXX over XXXX XXXX XXXX. 
15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting.

FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all XXXX reporting credit agencies.
Product: Debt collection

XXXX  XXXX kept contacting me over and over about a credit card they said I signed up for online. I am Ive been informed them that was not my debt that My identity had been stolen. I then asked him to write the address that the supposed credit card was mailed to you and they werent allowed to do that because of confidentiality. Then I was told they wan na turn it over to a collection agency. I asked his agency to remove it, they said no. I told them I had provide them with a copy. I have a police report. Next thing I know its on my credit report.
Product: Credit reporting or other personal consumer reports

I recently purchased an automobile from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went to the dealership with a certified pre-approval letter for {$49000.00}. Which I presented to the finance manager at the dealership. At NO Time did I agree to my consumer report to be accessed by anyone at that dealership. I already had a pre-approval and an {$8000.00}. Cash down payment. Which to the finace manger XXXX said there was no need to run my consumer report because I had a pre-approval from XXXX XXXX already, and my exact statement was " Thank you because I do not want my consumer report accessed because I'm trying to get a mortgage loan and any extra inquiries would XXXX that process up for my XXXX XXXX and I, which I can not afford to happen which is why I brought in the pre-approval. " The dealership assured me the wouldn't access my report anyways without my consent because that would be in violation to the fair lending act and against the law. When I contacted Esperian consumer reporting agency to have these unauthorized hard inquiries removed they told me I would have to contact each company and ask them to remove them. I told them that was absurd because I didn't contact these companies in the first place, explained to them that my report was accessed without my explicit consent and that was a form of identity theft. Which the lady replied well hard inquiries don't impact your Consumer credit score and it will make an impact in the first few months. Well there are over 12 hard inquiries on my consumer report for auto financing within a 14 day period and there should be only one. The attached report from XXXX XXXX is highlighted for all the unauthorized inquiries placed through Esperian within 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX  ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  XXXX {$2100.00} XXXX XXXXXXXX {$1300.00} XXXX XXXXXXXX {$1100.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$140.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against the XXXX credit repair reporting agencies due to inaccurate credit reporting. Despite my efforts to resolve the matter, they have not addressed my concerns, negatively affecting my credit score. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate information in my credit report and a proper investigation of disputes. I also invoke the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding unfair or abusive debt collection practices. 

I request that the CFPB : Investigate this issue. 
Ensure corrections are made to my credit report. 
Enforce compliance with federal laws. 


Thank you for addressing this matter promptly. 

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

I was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX  XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Checking or savings account

XX/XX/2022, I received notice in the mail from Wells Fargo indicating : We received an online application to open a new deposit account using your personal information. Based on information we received, we were unable to successfully verify your identity. For your security, we declined this application and did not open an account. 
There's no need to contact us. We just wanted to assure you that no account has been opened and provided you with resources to help protect your identity. You'll find this information on the next page under " Didn't submit an Online Application ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00}
Product: Checking or savings account

The bank advertised a {$600.00} deal. {$300.00} for opening a checking account and arranging direct deposit, and, an additional {$300.00} to put {$200.00} every month for 3 months. After I opened the account and put in the {$200.00} for the months of XXXX XXXX and XXXX. During that time, I called to make sure I would be getting my {$600.00}. They checked and said it would come at the end of XXXX. Today I received the {$300.00} but when I called, they explained that the three consecutive months had to be XXXX, XXXX, and XXXX. Apparently, the customer service I had called failed to mention that my deposits were in the wrong months and the card I read the rules from had writing so tiny, that I could not read it correctly. I am XXXX XXXX XXXX and I was sure I had followed their directions to the letter. I feel ripped off and that the bank did that one purpose, knowing no one would follow those directions.
Product: Credit reporting

Experian is reporting an inaccurate Dismissed Chapter XXXX BK filing with the Illinois Federal BK Court case # XXXX associated with a social security number # XXXX I have disputed this several attempts to have it removed based on the FCRA Law of inaccurate filing. I have contacted XXXX XXXX XXXX that the Experian Bureau says they are verifying the information. Experian keeps stating " IT IS VERIFIED ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on EQ. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX  ) XX/XX/XXXX and XX/XX/XXXX 3.EQ reported 30 days late XX/XX/XXXX when the account was not. EQ also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( EQ ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Product: Payday loan, title loan, or personal loan

I paid off my 2019 XXXX XXXX in XXXX of 2019. I have been trying to get the title since. Its as if Volvo financial services took my {$63000.00} and have stolen ownership of the vehicle. I have made no less than 19 phone calls to this company. The people there lie, give false stories and are thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the list of inquires thats on my credit profile with XXXX, Transunion and XXXX these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2XXXX XXXX
Product: Checking or savings account

on XX/XX/22 i went to USPS Service to do my daughter passport i gave a check and the check came back with non sufficient fund. so i would like to know what to do now because i tried calling the place called XXXX to try to see what my next step is i called like 20 times and left 3 XXXX  no one has gotten back to me.
Product: Credit card

In XXXX of XXXX I looked at my Macy 's statement and seen there was an additional interest charge for a 12-month promotional credit program that expired. The interest charge was {$520.00} for a purchase that was made for {$1600.00} on XX/XX/XXXX for a loveseat that was delivered and sent back because it was damaged. Macys took of the interest charge but not the charged amount. The loveseat was delivered but sent back and my account was not credited. Macy did remove the additional interest but didn't remove the charge for {$1600.00} from my account. I paid the entire balance of {$1600.00}. I've been trying since XXXX of XXXX to get this charge removed and I am not getting anywhere. Macys keep closing the case. I feel at this time there is nothing I can do about it unless I just don't pay my bill. Also, Macys is not allocating the paid monthly payments to the promotional balances evenly. This is causing us consumers to get hit with an extremely higher interest rate. They charge you the interest on the original balance and not what is the current balance. Macy changed the account number. The original account ended in XXXX. Now the account is XXXX. 

Macys is continuing to give me the run around. I have been trying to get this removed from my account for over six months.