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

Complaint Details What Happened : I am a victim of identity theft, and my Equifax credit report contains fraudulent and inaccurate information that is negatively impacting my creditworthiness. My situation is further complicated by my status as a victim of the Equifax data breach, which exposed my personal information and has led to fraudulent activity on my credit file. 

The following discrepancies and issues require immediate resolution : 1. Fraudulent Accounts The following accounts are fraudulent and were opened or reported without my authorization : XXXX XXXX XXXX Account Number : XXXX Details : Fraudulent auto loan, charged off with a balance of {$10000.00}. 
XXXX XXXX XXXX. 

Account Number : XXXX XXXX : Fraudulent auto loan, charged off with a balance of {$21000.00}. 
XXXX XXXX XXXX XXXX ( Collection Account ) Account Number : XXXX Details : Fraudulent credit card, charged off with a balance of {$480.00}. 
XXXX XXXX XXXX Account Number : XXXX Details : Collection account, fraudulent balance of {$1400.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Details : Collection account with a fraudulent balance of {$1000.00}. 
2. Unauthorized Credit Inquiries The following credit inquiries were made without my knowledge or consent. These inquiries are tied to fraudulent activity and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. Incorrect Personal Information The following personal information on my report is inaccurate or fraudulent : Names Listed Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request : Retain only my correct legal name : XXXX XXXX XXXX. 
Addresses Incorrect/Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Request : Retain only my correct address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
Employers Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request : Remove all employer information, as it is irrelevant and inaccurate. 
Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 ( a ) : Fraudulent accounts must be blocked within four business days upon receiving notice of identity theft. 
15 U.S.C. 1681b ( c ) : Prohibits unauthorized credit inquiries.

15 U.S.C. 1681i ( a ) : Requires disputes to be investigated and resolved within 30 days.

FACTA ( Fair and Accurate Credit Transactions Act ) : Victims of identity theft are entitled to block fraudulent information. 
XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX XXXX  ) : Credit bureaus are liable for failing to investigate disputes reasonably.
Product: Credit card or prepaid card

I contacted CareCredit to dispute a charge against XXXX XXXX, which made a charge on my account. The dispute was because XXXX XXXX promised me a refund of {$1600.00} after I returned their product but had not paid it. Synchrony subsequently sent me a letter ( attached ) stating that they would remove the disputed amount from my account during the dispute investigation but never asked for any further documentation to assist with their investigation. 

My complaint today is because THEY NEVER REVERSED THE FUNDS FROM MY ACCOUNT AS PROMISED. There should be no question that I deserve to have the {$1600.00} refunded from my account because you can see I have in writing from XXXX XXXX that they supposedly already submitted this refund already and Synchrony should have credited it ( see attached ). Yet, CareCredit has continued to keep this amount on my account. They must remove this amount from my account immediately. This problem has been compounded because the customer service agents do not speak English with enough proficiency to actually assist you.
Product: Mortgage

A few months back, Shellpoint Mortgage Servicing notified me that my lender place insurance had increased to {$3400.00} from the {$1700.00} that it cost me last year. As a result, I bought insurance out of my pocket from XXXX XXXX to cover my property for the period of XXXX. For some reason, Shellpoint continues to use this {$3400.00} in its calculations including future project calculations, in addition to some bogus numbers. As a result, it overcharged me. I tried to contact Shellpoint on this issue on several occasions, and every time they ran a new escrow for me, my total monthly payment kept on going up and up. And, right now, they said that I owed them {$3000.00}. And my monthly payment went up from {$2100.00} to {$2600.00}.
Product: Debt collection

The company of XXXX is trying to say I still owe {$1000.00} dollars for the services, which is already paid. Ive paid them and tried disputing the debt from my credit but nothing ever works.
Product: Debt collection

We have continuously been paying over {$500.00} a month to Navient, however, they still report late or non payment default on 5 of the loans, I am unable to make payments of any more than that because I am XXXX as of XX/XX/2020 and this is 1/2 my XXXX payment from the government and my physicians refuse to sign the letter to dismiss my student loans because of fear of legality which I am verified XXXX from XXXX and have not and can not return to work or complete my studies because of brain damage. We get a call every hour to two hours a day to threaten and harass us to pay. It is very disheartening even with me calling the XXXX student loan line that they can not get them to stop harassment even when Biden said that we would get a hold while in pandemic, it became even worse harassment they call from a Tennessee number every hour to two hours, everyday of the week, we have asked nicely to stop and to spread that amount across all 5 loans and they still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect address on my credit report ; XXXX XXXX XXXX, XXXX, TN. I am requesting that Experian provide he source of who is reporting this information on my credit reports.
Product: Credit card or prepaid card

A law firm charged my Citi Double Cash card {$1500.00} onXX/XX/2021. This charge was completely unauthorized. I disputed the charge. The law firm submitted 23 pages of documentation to Citi. I had extensive conversations with this attorney but never agreed to hire her or pay them {$1500.00}. Nowhere in those 23 pages could they show that I authorized any type of charge to my card. Above that, they could not even show that I HIRED the attorney. You file out a retainer agreement when you hire attorney. Not only did I not authorize the charge, I never agreed to hire the attorney. Citi Bank then put a negative mark on my credit bureau report and Macy 's closed my Amex card. Citi then closed my 2 credit cards. Over a completely UNAUTHORIZED charge. They gave the merchant the chance to show authorization but the merchant couldn't even come close to showing that. They couldn't even show that I agreed to hire them. Citi Bank 's practices are abusive and predatory.
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  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$2100.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX  XXXX {$3700.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX XXXX  to dispute information that was reporting incorrectly on my credit report. I was transferred to the Credit Reporting Department with XXXX XXXX  and was told that " your account has been purged and is no longer in our system ''. I then asked if she could at least pull up my payment history on the account and she said, " No, I can't pull up anything about you in our system because your account has been purged from our system ''. 

On that same date, following the call with XXXX XXXX, I filed Credit Disputes with Transunion and XXXX online. I submitted a dispute letter and several files of evidence to support my claims. 

Transunion completed their investigation within XXXX business days and XXXX also completed theirs within XXXX business days. Neither of the Credit Agencies updated my credit reports with the disputed information although they both did make minor changes. 

If XXXX XXXX  has told me themselves that my account was purged and removed from their system, how did Transunion and XXXX verify any of the information that is showing on my credit report or the disputed information? 

The credit agencies actually removed half of my payment history from the disputed account. I was showing 79 % of on time payments prior to the dispute and because much of the monthly payment history was removed, my on time payment history dropped to 52 %. This account has been closed for XXXX  years and there haven't been any additional payments made on the account once it was closed. So, there's no way that my actual payment history percentage should have changed as that's not what the dispute was regarding.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

This company did NOT honor my request for removal. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Product: Debt collection

I received a call on XXXX/XXXX/15 at XXXX from Greene & Cooper XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of XXXX XXXX XXXX and that they took over the account. I told her that the the office of XXXX XXXX was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I disputed the reporting of a voluntary repossession by Credit Acceptance to Equifax and requested removal from my credit, on the grounds of a class action lawsuit ( which I am also a part of ) against XXXX XXXX for purposely hiding costs from consumers in loan agreements, deceptive and extremely predatory lending practices, unfair treatment of consumers, violating XXXX code, unlawful repossessions, and abusive communication practices. Instead of investigating the dispute, Equifax denied my removal request and closed the dispute on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

This is really frustrating, I have notified you several times of fraudulent inquiries that keeps appearing on my credit report yet nothing has been done. I never applied to these companies nor given them consent to access my information or pull up my credit report. This is absolutely stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXXXXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On approx. Tuesday the XXXX of XX/XX/2022 while relocating me and my daughter from XXXX XXXX XXXX XXXX with a move to our new home I called Wells Fargo to make sure that the {$250.00} dollars in my account were cleared funds left over based on my debit card usage for the move. Wells Fargo started yes if I use them my account will not have any type of negative funds in my account as in no I would not have an overdrawn account. 9 YOU CAN REQUEST THE CALL FROM WELLS FARGO CONCERNING ME ASKING THIS VERY QUESTON AND THE WELLS FARGO REP STATING THERE WOULD BE NO OVERDRAWN ISSUES WITH ME USING THIS AMOUNT OF {$250.00}. I asked the Wells Fargo Customer Service Rep several times to check all charges on my account before I use the funds for gas and hotel fees me and my daughter needed for the relocation move which we were in the process of from XXXX XXXX XXXX. After the Wells Fargo rep verfied and confirmed my checking account was in good standing and no overage would occur if used the funds for the trip fees in hotel and gas to get us to XXXX  I then proceeded to use the funds for our trip. The next day my checking accout began overdrafting and Wells Fargo through their deception caused my checking account to have fees of $ XXXX as of me filing this complaint. Wells Fargo then attempted to coerce me into signing up for overdraft protection, I did not do so because its a trap to run up even more fees that I can not afford since I get SSI at {$840.00} a month. Wells Fargo, due to its false information. is trying to collect {$310.00} from me based on their success at making me believe I had money in my account that was not there. I should not have to pay any of these fees based on false information given to me by Wells Fargo concerning my checking account. They do this to make money off of account holders.They act as if items have cleared and we as consumers see them as cleared on our accounts and in my case even had a Wells Fargo rep VERIFY THEY ARE AVAILABLE AND NO PENDING CHARGES FROM OVERDRAWN WILL OCCUR. Then Wells Fargo puts the same items back on the account which then overdrafts the account causing undue charges. You can see the text messages I received from Well Fargo account information concerning the {$250.00} available, then the overdrawn charges added later.
Product: Credit card or prepaid card

so back XXXX had problems with the paying the bill because of the corona virus because of my job cutting back my hours. I made arrangements with and caught up my payment s on both of my accounts ending in XXXX XXXX I had some problems starting in XXXX with the corona virus and I could nt make my min payment in XXXX on both of accounts I know I had some waivers on my account in the past but these 2 were def due to corona virus and none of the customer wants to help get those removed saying I have already had waiver s in the past and another I talked to them on the XXXX caught up my account they told me I wouldn't have to make another payment its still shows on both accounts that a minimum is due I want the late fees. Your customer service is like robots with the power to do nothing I want my late fees  for XXXX waived these late fees on both accounts due to corona virus but none of your reps wan na listen
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I am not associated with the listed creditors.