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

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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 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: Payday loan, title loan, or personal loan

Grain technology creditor! So in XXXX a payment was due. I couldnt not be able to make payment because I need to change my bank. I contacted them and took almost a week! And it was pass the due date and try to call in the phone number and seem not to be working! So I had no choice and let it pass the due date that will count as a late payment on my credit report! So I told the support and they said the creditor leader will not be able to waved the late payment due to a decay support respond!!? This is very unfair and disappointing! I try reporting to the credit bureau and it seem like it not working and denying my complaint dispute! How is this fair? And how it is my fault when Im trying to make payment before the due date but I cant because I needed my bank to be change! But they did took very long time to respond! And that is why my XXXX report is late unfairly! I have no choice but to go further complaint!
Product: Credit card or prepaid card

This {$250.00} fee should have been refunded. 

Please confirm and provide proof please. 

See attached ; dateXX/XX/2023. 

Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION!
Product: Credit card or prepaid card

I received a new debit card and was told once I registered and activated the card I would be able to use it.Upon calling customer service I was told I would have to go online to the mobile app.The money on my account is there for a transaction, but I keep getting a " card is declined '' and " high call volume '', and try again later.Today, I got a response saying my card was unable to make these kind of purchases ( getting groceries delivered ) when I did so before previously with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks to cfpb, SPS is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE   on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but SPS has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire  has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.
Product: Credit reporting or other personal consumer reports

Despite my XXXXhree prior demands, the unverified items below still tarnish my credit report, blatantly violating Federal Law. In their so-called responses to my dispute letters, they claimed these items were verified but couldn't even produce the documents used for this so-called verification, despite my clear request. 

Their failure to provide these documents proves they can't and didn't verify any of the disputed accounts as they falsely claimed. Their refusal to delete the disputed accounts after three written demands shows a blatant disregard for Federal Law.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX and DOGE accessed my private personal financial information which is a direct violation of FERPA law. I am worried about my personal data security due to this security breach, as well as my loan values and payments.
Product: Credit reporting or other personal consumer reports

I am submitting this request to inform the credit Bureaus that I have been a victim of identity theft. According to FCRA section 605b, you are obligated to remove or eliminate these items listed in an identity theft report. Enclosed are the necessary documents to facilitate the removal of the inaccurate information from my report. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$XXXX XXXX  XXXX Balance : {$XXXX}, XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I had a mobile number with XXXX XXXX for several years but rarely used it. Early this year I tried to close it by doing each of the following ( sometimes multiple times ). Visit to store, call customer service, chat sessions with customer service. This account had never been in arrears and has been unused for most of XXXX. Not only has the account remained open, twice now, after my requests to close, it I get emails saying it has been reopened. 

Furthermore, they have continued to accrue charges and have now turned that over to collection agency. My credit rating is well over XXXX and I do not want this to impact that. Ironically, my last request was in written/ mailed format. The response I got was another collection notice and a " congratulations, we restored your line '' email. 

It almost seems that the policy at XXXX XXXX is similar to the cases where a company intentionally makes it difficult or impossible to discontinue service. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX will not allow me to access my consumer report at all, let alone with ease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Mortgage

I was approved for a loan because of doctored documentation Wells Fargo Financial submitted without my knowledge and they will not release the paperwork to me. This loan almost bankrupted me. I had over an XXXX % debt to equity ratio and should not have been given the refinance that caused me to pay XXXX a month vs. XXXX for a mortgage. They gave me cash on hand of over XXXX dollars and did it after the original paperwork was submitted. None of the checks were written to the big credit cards I had which is what they claimed this was for, a debt consolidation. Given the current additional wrong doings of the bank, I am hoping you can help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. XXXX and XXXX credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$510.00}.
Product: Student loan

This all started XXXX/XXXX I signed up with Premier Student Loans because they said they could get me signed up on the new Obama Plan, This plan was suppose t reduce my student loans from {$44000.00} to {$8000.00} if I paid 240 payments. I had to pay the first three months {$300.00} and the remaining months would be {$30.00} per month. 
I became aware of this XX/XX/XXXX when I received a call from XXXX stating I have n't paid them since XXXX/XXXX. They said I made a {$300.00} payment to them which I do n't remember paying so that must have been Premier paying on my behalf for that one time. 
I checked my credit report last month and discovered I still owe {$44000.00}. I received a call from Premier asking for me to provided income information and I did n't feel comfortable with it. So, I went on line and sent my income information to XXXX because they were the original loan company thinking that Premier would get the information. Premier then advised that they are a third party and not affiliated with XXXX. At this time I decided I wanted to cancel their services and stay with the known company of XXXX. Premier began to give me the run arounds. They would not give me an email confirmation of my cancellation. They just told me the check for {$330.00} will be sent to me, They did not verify that they will cancel the automatic charges of {$30.00} that they deduct from by debit card monthly. The number I call to reach the is XXXX and the case manager is XXXX. He 's extremely rude and arrogant. I have also spoken to a guy there name XXXX and neither one would provide me ID # 's or some form of cancellation receipt. They laugh in my face as though they have all the power. I just want them to cancel my service and refund my money. The main number to Premier is XXXX.
Product: Debt collection

In XX/XX/2022 I had a title search done to identify any outstanding debts that I might have.This debt did show up on the report but I did not recognize it as mine, and there was no address to indicate that it might be me.I never have or would have accumulated that large a debt. My lawyer sent a signed affidavit that said I had no known responsibility of this debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I hav contacted Wells Fargo numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. Wells Fargo did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to Wells Fargo that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if Wells Fargo just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but Wells Fargo case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from Wells Fargo dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission Affidavit has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Product: Credit reporting or other personal consumer reports

My information was breeched multiple times from XXXX. I went through XXXX app to dispute the companies and they are still processing the information on my credit. I asked that they remove those accounts immediately and they failed to do so and update my credit report.
Product: Debt collection

My wife and I lived at The XXXX of XXXX XXXX apts for XXXX years with no issues ever. We were purchasing a new home at some point in middle of 2020 so we didn't want to sign a lease term because we weren't sure how long it would be until we bought a home and we didn't want to pay an early term fee. We submitted our 2 months notice on XX/XX/2020 and we moved out 60 days thereafter and paid our final bill, which showed that we actually were owed a bit of money back after our deposits were applied. However, I just received a notice on our credit report that we were sent to collections for nearly {$3000.00}, in spite of never receiving any communication prior letting us know about this balance, as we would have had the chance to dispute the inaccurate amount before it damaged our credit in the midst of a refinance of our new home. The collection agency doesn't have sufficient information that proves this balance is owed whatsoever ( because it isn't owed at all ). This is a violation of the Fair Debt Collection Act and we are entitled to damages resulting from their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX  XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX CLOSED : XXXX XXXX, XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account ACIMA DIGITAL XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX or XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  please delete addresses immediately
Product: Debt collection

On XX/XX/2017 I opened a letter from IQ Data Collection in regards to an amount they are claiming I owe to an apartment of some sort that judging by the address I have never lived at. I asked the debt collector to provide me with more information and she refused saying she talked to me on the phone and I know it 's my debt. I have no idea who this lady has talked to and what she is talking about. She proceeds to overall me and say that I lived there. The conversation got aggressive and I ended the phone call. Still concerned that they are trying to hold me accountable for a debt I did n't make I ask to send me information and she began to refuse. This company is fraudulent and trying to bully money out of me for something I did not do and then refuses to show me proof.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from SoFi : Dear XXXX, In reviewing your SoFi Money account, we noticed activity that indicates the account may have been used in violation of the SoFi Money Customer Agreement. 
Because of this, your account will be closed effective immediately. You will no longer be able to use your account online or use your debit card.

I immediately called SoFi 's support to obtain more information. I did not receive any clarification behind why my account was closed. I did not initiate any chargebacks, commit fraud, nor did I have any account fees/late fees. SoFi 's representative said Sofi 's internatl team deemed my account necessary for closure and my account would be closed and my money soon returned to me. 

On XX/XX/XXXX, I called SoFi as I still have not received my money from them. Sofi 's representative said Sofi 's internal team was " still reviewing my account and would eventually close my account to return my money ''. I find this unacceptable and unprofessional.
Product: Debt collection

I was a victim of identity thief my information was leaked to the dark. Web I notice accounts I did not recognize I reached out to the creditor and they refused to remove it even after I made them aware it did not belong to me
Product: Credit reporting or other personal consumer reports

This collection company has broke the law but placing a fraudulent account on my credit Report within giving me a five day notice to verify if this account is legitimate. 


I do not have a written contract with this company where they say how old is alleged that I asked them to produce debt validation statements are not acceptable I also request a forward flow agreement and or purchase agreement that lets me know I owe this alleged that if this can not be produced this shall be deleted from our credit report immediately see attachments below. 

I fully intend to sue this company for placing a false account on my credit Report. Experian and XXXX you are to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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: Payday loan, title loan, or personal loan

I received a title loan from Title Max in XXXX, Tx. When applying for the loan the branch manager gave false information for my employment, she also never went over any of the paperwork with me. When COVID-19 happened I contacted the loan company to advise them that I would not be able to make my payment due to a cut in my hours. I was never told that the interest on the loan would still accrue. When I spoke with the district manager today he was not very helpful at all even after I explained the whole situation. I now lost my vehicle due to lack of compassion for the COVID-19 pandemic and how it has affected my family.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists