23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX.This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, ID Experts, to aid in their recovery process. Enclosed is also an ID Theft Affidavit with their police report information, identification, and proof of residence. 

XXXX XXXX  is extremely difficult to reach and their phone lines often do not lead to human beings, so I am filing our complaint through the CFPB. 

Please accept this documentation as proof that XXXX XXXX did not apply for an account with NetspendXXXX XXXX  XXXX XXXX XXXX XXXX The account number is XXXX. It also lists a routing number of XXXX and account number of XXXX. The Visa was mailed to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Please close the account and/or application as fraud and remove all remnants of XXXX 's identity from your records.
Product: Debt collection

The automobile financed through CarMax was repossessed illegally per, Special Protections for Military Servicemembers Under Federal Law. I was a XXXX for the XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX while my automobile was repossessed and debt was charged illegally to my credit report. In total of {$6700.00}
Product: Debt collection

This debt collector helps calling me from a bunch of different numbers and asks me to verify my SSN. I have repeated told them to stop calling me and to write me if they need something. but they keep calling
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

Applied for 3 apartments and got rejected. Was referred to XXXX XXXX and have tried everyday to contact them with no success.
Product: Checking or savings account

XX/XX/2020 it was a fraud an they include me in voice recorder that I was working in Indiana employment with funds an I told them it was a mistaken but the security navy federal didn't won't to reopen my account.
Product: Credit reporting or other personal consumer reports

The information is completely wrong. Showing my oldest account is only 1 month old, see attached. Experian is not reporting information correctly
Product: Money transfer, virtual currency, or money service

Original Complaint. 

XXXX wires were sent totaling {$900000.00} for real estate XXXX and XXXX sent XXXX wires for {$900.00} to XXXX XXXX XXXX XXXX Wells Fargo received those in XXXX XXXX XXXX XXXX All wires were recalled. Initially, Wells Fargo said it was a large error on their part but since change from that recorded call to its XXXX and XXXX error and they carry lose accounts to cover these situations. We asked all three to self-report. XXXX and Wells Fargo said no on recorded lines. XXXX said report to cfpb and provide report number. Then they would self-report. A police report was filed, and Civil lawsuit. in XXXX XXXX Texas. The same individuals have many civil lawsuits. They have XXXX bankruptcies that have been reported as fraud. The XXXX DOJ is monitoring those bankruptcies but will not confirm or deny they have an open investigation. XXXX XXXX  issued a fraudulent XXXX XXXX loan to counter a second LOC in default. Unjustly putting themselves at the front of the line. They did a conforming loan without support. So much so they allowed a second lienholder to step in and take over the asset. They know they have a loan officer who committed fraud to save his year-end performance bonus. We asked them to self-report. Head of compliance was served, and they went silent. a lot of layers of fraud. XXXX. XXXX, Securities, Tax evasions. The great thing for investors is you have banks who committed XXXX and loan fraud. XXXX XXXX XXXX. His brother XXXX XXXX and daughter XXXX XXXX have trust fund with stolen investor 's money. XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX has XXXX children. He claimed XXXX exemptions in XXXX. Tax fraud. These individuals have both stated that they carry a XXXX at all times and should be considered armed and dangerous.
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand regarding the unresolved disputes on my credit report. Despite multiple attempts to resolve this matter, you have failed to provide a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

im trying to link my bank account with another financial app and my bank is telling me that they can not link accounts
Product: Checking or savings account

I have power of attorney for my uncle. His bank is the awful Wells Fargo. I sent the bank a newly prepared POA and asked them to close my uncle 's CD and move funds to my uncle 's checking account at the same awful bank. They denied my request saying the power of attorney language is too old. This is nonsense. It is accepted by everyone else. It was prepared by my uncle 's attorney and notarized just last week. At every turn this awful bank has denied my uncle his cd funds. Twice during prior rollovers they ignored prior written directions to not roll the CD over and move the funds to the checking account. This is XXXX XXXX XXXX veteran who needs the money to pay bills so he doesn't get thrown out on the street! 
PLEASE HELP MY UNCLE!!!
Product: Mortgage

We are building a home with XXXX XXXXXXXX XXXX. They offered a promotion on the house if we used their loan officer at Home American Mortgage. We signed our papers for the loan months ago and paid our deposit. We thought that our rate was locked in the day we signed. This week when the rates increased we were told that our rate increased over 2 points. The loan officer did not contact a head of time and did not return our phone calls. With this increase we can not afford our house.
Product: Debt collection

In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my information was exposed due to the breaching of data in Equifax system. Please check the information concerning the Equifax Data Breach below in attachments.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint again to address suspicious information on my credit report. The XXXX credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
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

XXXX XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block & DELETE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public informations Section account opened XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX Bank on XX/XX/XXXX under the account number ( XXXX ),. These accounts have resulted in ( 2 ) fraudulent collections appearing on my consumer FICO credit report.I do not recognize the aforementioned accounts, The aforementioned accounts, result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are a result of identity theft and fraud. 

DEMAND FOR ACTION : Please remove this inaccurate information from my credit report, Please investigate and delete from my credit report.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Lexis Nexis credit reporting agency block all of the accounts, DELETE accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing discrepancies. These late payments do not align with my usual payment pattern.
Product: Credit reporting or other personal consumer reports

Someone from Transunion added 42 inquiry on my credit report with out my knowledge which is illegal
Product: Credit card or prepaid card

I was not able to make my XX/XX/XXXX payment because I moved and because some unscrupulous realtors stole my deposit I fell behind on everything. I was not able to pay any of my credit cards on time which resulted in several of them constantly calling and re arranging the payment. Oportun credit card was one of them that did not stop calling, even after explaining the situation and even giving them a date that the payment will be made ( XXXX XXXX ). I was stated by the representative, a lady that if I paid {$120.00} by XX/XX/XXXX everything will be fine and I be back to normal, II was like " oh perfect, I will definitely try to do that. My card statement was {$1000.00} for XXXX. Now I am checking the statement and once again it is {$1000.00}. I called and XXXX, answered. XXXX is the CSR rep that works on the weekends as he stated. I explained the situation and that my card is over the limit again, with the interest of {$36.00} monthly I am not going to be able to bring it back current. I am going thru a financial hardship and need to get help. He stated that they only do medical hardships. I need help because I am a XXXX veteran that depends on their check to pay my bills and I have other debts that leave me no additional money. I would also like to state that I have a personal loan with Oportun lending, which I guess is another division completely different because as soon as I explained to them my hardship they were more than helpful in assisting me and even postponing my payments until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, I went on line on the Experian website to check my credit score. I did see that my FICO score dropped 13 points at once. So I went to the Review new Data to find out what did happen for such a drop down of my Score, I read : '' We found no New items on your report in the last 60 days, no new public records, late payments, accounts, or inquiries have been added to your Experian Credit Report ''. Further down They mentioned that my credit usage is 19 % which is very good, but my credit snapshot Boosted XXXX to XXXX with a drop of 13 points. I said that is a mistake, if the credit got boosted it should go up not down. On XX/XX/XXXX, I called Experian to report the problem, a customer care named XXXX ( Reference claim # XXXX ), said that what ever I saw on my report it is accurate and that they can not do anything about it. I believe that they have to do something about it. Because I know how hard that I have been working to rebuild my credit that has been messed up after I lost my job in 2017. Now that my credit gets to a FAIR statute, I am not going to let Experian bring it back to trash. They must give the reason why they decided to lower my score. If my credit gets boosted it definitely should go up not down. I do count on the Consumer Financial Protection Bureau to see through with my situation, how unfair my credit report has been treated by Experian Credit Bureau. Lastly the only thing that comes into my mind is that Experian has offered me a Credit Protection & Monitoring coverage for {$24.00}, I just took the {$4.00} coverage which they automatically charge my account every month, I don't want to believe that they would lower my Score to force me to take the most expensive coverage which I can not afford. Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX XXXX XXXX Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Product: Credit reporting or other personal consumer reports

Experian keeps showing a duplicate from my XXXX that was opened on XX/XX/XXXX, current amount due is {$800.00}. They keep showing this account twice, which is lowering my credit rating. I first filed a dispute with XXXX XXXX who says they are only reporting the one account once, and that I must go to Experian to get this fixed. But Experian keeps opening the dispute and then closing it without correcting the problem. I've disputed this 4 times already they aren't even really looking at it or they would easily see it is a duplicate. ( Same date opened, same exact amount owed, same payment dates ). I've copied and pasted below. The last report number is Report XXXX XXXX. This is really hurting my credit and I don't know who else to report this to since both XXXX and Experian are blaming the other party. 


Account info Account name XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$800.00} Balance updated XX/XX/XXXX Recent payment {$30.00} as of XX/XX/XXXX Monthly payment {$30.00} Original balance {$910.00} Highest balance {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Product: Mortgage

have been paying XXXX years on a XXXX mortgage and company say I owe XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

Party Owed : XXXX XXXXXXXX XXXX Amount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 
Party Owed : XXXX XXXXXXXX XXXXAmount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Debt collection

I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX RETAIL - Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I was let go from my job today XX/XX/XXXX and I reached out to AES and they stated there was nothing they can do to help me. 

Im struggling here because I already filed bankruptcy in XX/XX/XXXX due to having over $ 232k in student loans and I got upside down using credit cards to make loan payments. 

My student loans were not discharged or lowered and Im not in that same position. 

Its sad. I have tried to work with AES so much but, they are impossible. Multiple emails, live chats and calls and same thing - they can not do anything. My salary made it look like I could afford it but, with $ XXXX in student loans l, $ XXXX in cc, a car payment, rent and medical bills. Im hurting - bad. Now losing my job Im terrified. 

I did put a borrower defense claim in for my grad school loans with XXXX XXXX because of false advertising, misleading info and not transferring credits, etc. then I have mother private loan with XXXX XXXX but they are working with me nicely. 

XXXX : XXXX XX/XX/XXXX-XX/XX/XXXX and XXXX XXXX XX/XX/XXXX-XX/XX/XXXX Grad : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX AES ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  ID : XXXX
Product: Debt collection

Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

An initial letter dated on XX/XX/20, along with my driver 's license was sent to dispute inaccurate information on my credit report. The company sent a response letter dated on XX/XX/20, deleted some inaccurate information but left some inaccurate information. I sent a follow up letter dated on XX/XX/20, requesting method of verification as per F.C.R.A. 611 ( a ) and F.C.R.A. 611 ( a ) 7. 

The company sent three ( 3 ) response letters dated on XX/XX/20, with additional inaccurate information on my report and they sent another person 's credit information. The company also included the other person 's credit information with my credit information. 

The other person 's name and information is XXXX XXXX and my name is XXXX XXXX XXXX.