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

I am writing to formally request the removal of several fraudulent accounts from my credit report, which I have identified as a result of identity theft. My personal information was compromised in a recent data breach, and I have enclosed a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, along with my identification documents, to support my claim. 

This is my second request for the removal of these accounts, as I previously contacted you regarding this issue, and the fraudulent accounts were not removed from my credit report. I want to emphasize that my request to block this information is not an error or misrepresentation ; it is a legitimate claim resulting from identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I have specific rights regarding the accuracy and integrity of my credit information : 1. 15 U.S.C. 1681b : This section grants me the right to access my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are fraudulent in nature.

2. 15 U.S.C. 1681c-2 : This provision requires that you block the reporting of any information resulting from identity theft upon my request. I am formally requesting that you block the following fraudulent accounts from my credit report : Accounts - XXXX XXXX XXXX XXXX open XX/XX/XXXX balance XXXX - XXXX open XX/XX/XXXX balance XXXX -XXXXXXXX XXXX XXXX open XX/XX/XXXX balance XXXX XXXX XXXX open XX/XX/XXXX balance XXXX -XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX balance 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 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 XXXX . 15 U.S.C. 1681e ( b ) : This section mandates that you maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Given that these accounts are a result of identity theft, retaining them on my report violates this obligation.

4. 15 U.S.C. 1681c-2 : Furthermore, I invoke my right under this section to request the blocking of these fraudulent accounts based on the FTC report I've included.

5. 15 U.S.C. 1681c ( b ) : Additionally, I would like to reference this section, which emphasizes that you must ensure the accuracy of reported information and take necessary actions to correct any inaccuracies, including those arising from identity theft
Product: Debt collection

Apologies for any errors in reporting legal violations, my understanding is rudimentary at best. 

XX/XX/23 : Recieved call from National Credit Management, stating I owe {$2800.00}. I did not recognize this debt, so I state, " I'm not sure... I recognize this ( debt ) ... '' and asked for letter of validation of debt and to only recieve communications through mail. I did not state the debt was mine and did not agree to pay this debt. NCM consented to my request for written form of validation. 

XX/XX/23 : 5 days after initial communication, NCM has not provided validation of debt in any form, violating all parts of 12 CFR Part 1006 ( Regulation F ) Section 1006.34 ( a ) ( 1 ). 

XX/XX/23 : 30 days after initial communication. No further communications from NCM. Decided to allow another few days before reporting to allow them more time to correct clerical errors. 

XX/XX/23 : 42 days after original notification. NCM has neither attempted to collect on the supposed debt and has not fulfilled my request for validation of debt. Have not recieved any communication of any form from NCM.
Product: Student loan

I have been trying to get information about my interest rate and how high my variable rate can rise. Because last year it when from XXXX % to now it is at XXXX  %. I can not get an answer about if there is a cap or not, and the servicer will not send me any paperwork information about my loan interest rate. If the fed keeps increasing the rate, I could keep paying whatever the servicer decides. I do not think this is correct, I am sure there is a cap, but the servicer will not provide me with any information. Also, I ask if there are any options to refinance or change payments, I get told I do not qualify or that there are no programs available. Yet the servicer sends me emails and states information on their website advertising such options, but I have no options when I call. Instead, I am told to pay my bill and call next month. I am not the only individual struggling with the navient, and I think something needs to be done. This company has a history of treating customers like this. I have contacted my attorney general about this matter as well.
Product: Student loan

I have submitted my loan forgiveness XXXX  ago and was told my company was approved and to finish submitting my paperwork. I submitted it over XXXX XXXX  ago and not have heard anything back at all. In addition to that I have not been able to get statements from company, when I do get a statement it says that I have leas than XXXX XXXX to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent two Certificates Letters to Transunion LLC : ( XXXX and XXXX ) in order to validate the accuracy of two accounts which reported by XXXX XXXX and XXXX XXXX negative information : XXXX XXXX Acc. # XXXX XXXX XXXX # XXXX Its been more than 30 days since they received my certificates letters to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send two more Certificated Letters : ( XXXX and XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS. 

Please, resolve this matter as soon as possible and thanks for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

I knew we were behind, and I 've been working my tail off to get caught up on our bills. So, on XXXX XXXX, XXXX I called Quicken to make a mortgage payment and was told at that time they needed " 2 '' payments. Well I only had one. So on my next payday, XXXX XXXX, my wife XXXX called to make a double payment and she was told they could n't accept two payments but would need the entire past due. Well, obviously we did n't have it. So Quicken sent me an " Application for Success ''! We filled it out and emailed it back, the guys name was XXXX XXXXXXXXXXXX. All this was done on XXXX/XXXX/XXXX. 
At XXXX on XXXX/XXXX/XXXX XXXX XXXX called me at home and said they need the entire amount past due and that we do n't qualify for any of their repayment programs. We 've surrendered a vehicle already, and will be the second one at the end of XXXX, XXXX. I wanted to make sure we had enough money to pay the regular mortgage payment plus the repayment amount. 
Now am told they will only accept the full past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

*The Correct and Only Spelling Of My Name Is XXXX XXXX XXXXThese Following Addresses Do Not Belong To Me I Need It Removed Immediately XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Pl XXXX XXXX, NY XXXX XXXX These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 In Accordance with the Fair Credit Reporting act Convergent Accounts has Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.
Product: Checking or savings account

On XXXX, XX/XX/XXXX I entered the required information into Live Oak Banks website to connect to an external commercial bank account to move money to. On Tuesday, XX/XX/XXXX I received a message from Live Oak Bank that the two micro deposits were made to the external account. I logged into my Live Oak Bank account and proceeded to correctly verify the micro deposit amounts. After successfully verifying the micro deposits a pop up window stated " Your external account is pending verfication. Need to make a transfer right away? " For immediate assistance verifying your account, you may contact us at ... ( see attached photo ). '' I immediately called Live Oak Bank and spoke with XXXX XXXX on the customer success team. He verified all of my information and told me that I needed to provide a bank statement in order to finish linking to the external account and accessing the funds I have deposited in my Live Oak Bank savings account. I explained that XXXX XXXX XXXX XXXX  which I was trying to link to is a correspondent bank utilized by XXXX XXXX to receive wire transfers and ACH deposits on behalf of their customers and that it was impossible to provide the requested bank statement. Utilizing correspondent banks is common practice for brokerage firms that do not own federally chartered commercial banks. XXXX XXXX said Live Oak Bank was not willing to link to the verified XXXX XXXX XXXX XXXX  account unless I provided a bank statement. I proceeded to talk to XXXX XXXX, customer success supervisor, and was told the same thing. I then proceeded to talk to XXXX XXXX, deposit customer success manager, and was again told the same thing. I asked both XXXX XXXX and XXXX XXXX why the external account link was being denied even though I completed all the requisite verifications and under what banking law they were denying me access to my funds, their answers were " its internal policy, '' " we can deny external links at our sole discretion for any reason, '' and that " we are not setup to send funds to brokerage accounts. '' I once again explained, and they both acknowledged that the funds were being sent to a federally chartered, FDIC insured commercial bank, and was again told that Live Oak Bank would not link the account without a XXXX XXXX XXXX XXXX  statement. I then asked XXXX XXXX to connect me with her supervisor and she refused to provide her supervisor 's name or to connect me with anyone stating " they are not in the office at the moment and I need to see who is available to call you back. '' I asked where in Live Oak Bank 's customer account opening application or on its website does it state that customers can not link to external correspondent commercial banks to access their funds and she admitted neither the application or the website provides this information and that " it is internal policy that we are not required to disclose. '' This is completely outrageous and deceptive. I have never had a bank refuse to link a verified XXXX XXXX XXXX  account and deny me access to my own money.
Product: Debt collection

Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised
Product: Money transfer, virtual currency, or money service

Ive lost alot of money for no reason because it randomly takes money out its getting annoying im not buying anything but im losing money
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for an Auto Loan through XXXX XXXX XXXX and found out that Equifax has me filed as deceased. My wife received a letter stating they were sorry for her loss and that her husband had passed away. This was very upsetting to her and caused a lot of pain. 
I've contacted Equifax three times to resolve this issue and still they are unable to fix the problem. I don't understand how a dead guy can still make payments on an auto loan and that not alert any questions. It seemed to be so easy to file me as deceased, but impossible to bring me back to life. I'm not sure how a company like this is trusted to hold several accounts with personal information. 
I'm just curious if my information was part of the XX/XX/2018 breach? 
Thank you for your help, XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account and 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Company is receiver of scammed funds, and refuses to process complaint with evidence provided. 
XX/XX/2022 {$10000.00} USD converted into .XXXX XXXX Attempted to contact company and provide proof of transactions through XXXX audit but company would not acknowledge information provided. 
See attached complaint document in pdf format
Product: Bank account or service

For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 602 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

i have a negative balance on my american express magnet card. The organization ( american express ) has a 3 ACH transfer limit on these negative balances and wants to send me a check. I do not have a forwarding address on my mailing address, and have left that residence due to the corona outbreak. I am socially distancing from my family ( older member ) on a sand bar called XXXX XXXX where mail is also not deliverable. This negative balance will be used to pay off other credit card debt from my personal business that collapsed due to the corona outbreak ( XXXX industry ). 
Can you please get them to send me my money back via Wire or ACH? 
I have already asked them to cooperate with this request, but they said we can send via check, or you can spend the negative balance ....
Product: Credit reporting or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$5100.00} ; 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, credit repair services, or other personal consumer reports

There are 6 late payments being reported by DEPT OF EDUCATION/XXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in XXXX that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATION/XXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX  Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX Acct XXXX XXXX XXXX XXXX XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATION/XXXX Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, ITS HURTING MY ABILITY TO OBTAIN MY CREDIT.