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

There has been XXXX credit cards opened in my name that was not me dating back from 2014. They are all listed as charged off. I've disputed these accounts with the credit card companies, filled out affidavits for multiple companies. Ive also disputed these accounts with XXXX XXXX, XXXX, XXXX, and XXXX and need these to be removed from my credit report. There are credit cards opened for XXXX, Target who refused to acknowledge my dispute, XXXX, multiple from XXXX XXXX, XXXXXXXX XXXX Comenity BankXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and multiple from XXXX XXXX. Dating ranges from XXXX. All opened under my name, assuming by my ex wife without my permission or knowledge.
Product: Student loan

Nelnet is inaccurately reporting information on my account. On two instances, my trustee has submitted large payments that have not posted for almost two months on the first instance and the second has been pending since XX/XX/24 despite Nelnet claiming processing time is 2-5 business days. This inaccurate reporting causes interest to accrue based off a principle balance that has been paid against- this practice is fraudulent. The downstream effect has the potential to cause damage to my credit worthiness and therein the idea to secure most favorable terms would likely be jeopardized. I have attempted contact 6 times with response to one of submissions and no follow up after.
Product: Debt collection

I have a collection on my credit that does not belong to me and It would like remember immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Debt collection

I believe the account is invalid. THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

THE MOORE LAW GROUP, A PROFESSIONAL CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through zelle and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. XXXX XXXX verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through Zelle. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple Zelle and wire transfers. So i did XXXX dollar through three Zelle transactions to XXXX XXXX ( XXXX ) and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from XXXX XXXX that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report XXXX XXXX XXXX XXXX  I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Product: Debt collection

Company keeps harassing me sending me emails everyday and phone calls. I've stated to the company that this is not me and I've never had the account. ive asked several XXXX to remove from my credit reports.
Product: Mortgage

Freedom mortgage calling every day try to force me to refinance my mortgage Lying to, using deceptive methods.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( XXXX, Equifax, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

On XX/XX/year>, XXXX XXXX, XXXX XXXX, office of XXXX XXXX XXXX, had sent me a letter with a response from Solar Mosaic regarding my complaint against them regarding fraudulent financial practices against my XXXX, costing him over {$30000.00}. Mosaic 's response stated that they would cancel his contract. I have been trying to assist my XXXXXXXX with this entire situation since he can not XXXX XXXX XXXX XXXX well. His is age XXXX  years, so my XXXX and I are trying to aid him in his time of need. Since XX/XX/year>, I have been submitting Mosaic 's required Third Party Authorization form to allow me access to my XXXX XXXX account. They have repeatedly shut me out, not accepting their own form due to it not being sent from my XXXX XXXX email address. Nowhere on the form does it provide this direction. So, after multiple calls and emails, they are refusing to accept the form which authorizes me to help my XXXX. Since he has yet to receive any communication from Mosaic showing the contract cancellation, he needs me to help obtain the documentation to protect himself. As per Mosaic 's response that the XXXX XXXX sent me, from their general counsel, XXXX XXXX, saying that if I had questions, that I could contact them directly. I emailed their legal office on XX/XX/year>, Attn : XXXX XXXX. and received no response. I emailed again as a follow-up on XX/XX/year>, and again, I was shut out, stating that they needed a 3rd party authorization submitted by the " borrower, '' which is my XXXX. So, in summary, Mosaic is inhibiting my XXXX XXXX XXXX right to required assistance in this fraudulent financial matter and my right, as his XXXX, to assist my XXXX XXXX in this fraudulent financial matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, {$63000.00} Identity Theft XX/XX/XXXX, {$100000.00}, Identity Theft XX/XX/XXXX, {$3300.00}, Identity Theft XX/XX/XXXX, {$3900.00}, Identity Theft XX/XX/XXXX, {$220.00} Identity Theft I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Based On, 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

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

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Experian has violated many of my federally protected rights. Experian Is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report. Direct violation of 15 USC 1681B- permissible purposes, as I did not give Experian any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to Direct Violation of 15 USC 1666B and 15 USC 6802 please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I saw a new credit card in my online banking with XXXX that I did not apply for. I called XXXX immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( Experian ). 

XX/XX/XXXX I received a letter from XXXX stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from XXXX from the fraudulent credit card still on my Experian credit report so I called XXXX. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through Experian but they told me they dont handle inquiry disputes and to contact XXXX XXXX. 

XX/XX/XXXX Hard inquiry still on my Experian credit. report So I tried to call XXXX again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the XXXX XXXX XXXX. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the XXXX XXXX. at XXXX, I spoke with someone in their Credit Bureau XXXX. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in XXXX days. 

I then received a letter from XXXX dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from XXXX from XX/XX/XXXX is still showing as a hard inquiry.
Product: Credit reporting or other personal consumer reports

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

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all XXXX should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. Equifax did not respond at all. XXXX sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of Equifax, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.