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

I have already filed a complaint for this : XXXX, but nothing was done. 
This would be my second attempt since nothing was solved with my first attempt - i just got a computer generated response that did not address my needs. 
No matter how many times I fax or mail Experian the documents needed to unfreeze my credit report they still do not do it. I have not been able to refinance or open a credit card for this reason since XXXX of 2020. I assure you I follow their instructions and send in all the required paperwork and still my credit is frozen. Given that I have been trying for several months now, I want Experian to call me and help me fix this.
Product: Student loan

I submitted an IDR/SAVE plan application to MOHELA on XX/XX/2023. It still hasn't been processed. Instead I received a letter in mid XXXX ( letter is dated XX/XX/XXXX ) that informed me that the automatic forbearance that I was placed in ( due to their internal problems with servicing ) was ending on XXXX XXXX and that I am on a level payment plan, which is well over {$1000.00} per month. I have called numerous times and waited on hold for hours. No one ever answers. As I write this, I'm on hold with MOHELA and have been for almost an hour and a half. They close at XXXX. It's XXXX. I still have no update on my SAVE plan application and I can't afford to pay the amount they're trying to bill me. I have to work so spending more than 3 hours on hold waiting for someone to answer isn't an option. I've even tried the veteran liaison phone number and its still impossible to get ahold of anyone. Please help...
Product: Debt collection

Phoenix financial debt does not belong to me and I called them to verify it and the information doesnt match. Remove it from my credit report
Product: Credit card or prepaid card

Hi on XXXX i bought the XXXX the next day i try to return the phone but keep for XXXX  weeks after XXXX XXXXeek i return the phone Refund issued {$470.00} refund issued on XX/XX/XXXX, XXXX return {$120.00} to gift card and {$350.00} to my ceridet card XXXX XXXX **** XXXX Order Summary Item ( XXXX ) Subtotal : {$430.00} Shipping & Handling : {$0.00} Total before tax : {$430.00} Estimated tax to be collected : {$38.00} Gift Card Amount : - {$120.00} Grand Total : $ XXXX tax and seller information Refund Total {$470.00} now the credit co don't want to give me my # XXXX they said i didn't return the phone Refund issued {$470.00} refund issued on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX  XXXX {$940.00}
Product: Bank account or service

I was recently a victim of identity theft as my debit/check card information was compromised and XXXX individuals ( I know this as the local grocery store has them on video surveillance ) used my card information to purchase a {$1000.00} money order, ultimately charging my account {$1000.00} with the associated fee. I notified Chase of the transaction within 24 hours of it occurring, cancelled my card, and submitted a claim for the amount to be reimbursed. Chase, however, decided that it was a valid transaction and has charged me the {$100000.00} even after notifying them of the filed police report, video surveillance, etc. I have now involved a local attorney.
Product: Debt collection

Nationwide Recovery Systems are attempting to collect on an alleged / un-validated debt for {$640.00} ... .while they have reported this information to the credit bureaus, without EVER mailing me a notice. I was never given the opportunity to dispute the debt at all. I also believe that, this debt may have reached the statute of limitation for collection and this agency has re-aged this account over and over in an attempt to collect on it. I am not aware of any medical bills that is in my name in the amount of {$640.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX XXXX informing me that my credit score went down XXXX points. I pulled up the credit report details, and the details indicated that an open installment account for an education loan through XXXXDept of Ed with a balance of {$82000.00} was open in my account. I never opened this account or took out this loan. I contacted XXXX and they could find no record of me in their system at all, not with my social security number, my name, or my phone number. According to XXXX, I didn't have a loan. This account only showed up on my Experian credit report. I checked my XXXX and XXXX credit reports on annualcreditreport.com, but the education loan was not showing up on those reports, only Experian. I contacted Experian on XX/XX/XXXX and filed a dispute. They opened an investigation, and I should receive information in the mail regarding the outcome of that investigation within 30 days. To be clear, I did not open an account or take out an education loan with XXXX or any other agency. My Experian credit report indicated that the education loan was opened on XX/XX/XXXX and that the last payment was made on XX/XX/XXXX in the amount of {$2.00}, yet I have had no communication with XXXX and the account has never showed up on my credit report until this month. The representative from Experian that I spoke with recommended that I file a complaint on ftc.gov, which is what I am doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has 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 15 U.S.C 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 reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to XXXX XXXX, and Experian regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the XXXX data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX  . I have contacted local police and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got credit cards in my name since 2013
Product: Debt collection

I rented a vehicle from XXXX XXXX XXXX company in 2017 and returned the car and paid the fees agreed upon. Upon approval, I let the company know of a crack in the windshield that was caused by a stone hitting the windshield while driving on the highway. I explained that the State of Florida fixes cracked windshields free of charge " In the state of Florida, windshield cracks and chips are repaired free of charge. According to Florida statute 627.7288, if you have comprehensive coverage on your vehicle your insurance company will pick up the tab for any repair or replacement that you may need. The law states that your deductible will be waived. '' After discussing they took my insurance information in case of the claim being escalated and said if any needed further action was needed they would be in contact. I signed the paperwork and never heard back from them. I received a call from a " Debt Collection Agency '' from a New Jersey number stating that they were calling to claim the debts owed and when I explained that was handled they began to over speak me and not let me explain. I finally told them I would be in contact with XXXX to figure out the issue. The next morning around XXXX XXXX  I received another collections call form a Mississippi number from a gentlemen that would not let me say a work and asked what is it I think will happen? Just give him my debit or credit card number. When I asked for his company name he said XXXX XXXX and hung up. I attempted to call XXXX but states they are busy or not open. I am trying to find out exactly what was done on the companies part for the last two 3 years that they took my insurance information and never filed a claimed and expect me to pay for a service in FL that is free.
Product: Debt collection

AMSHER COLLECTIONS IS ATTEMPTING TO COLLECT A DEBT NOT OWED TO THEM AND HAS FRAUDULENTLY REPORTED THIS TO MY CREDIT REPORT. THIS REPORTING HAS NOT ONLY NEGATIVELY IMPACTED MY CREDIT RATING BUT ALSO IS A GROSS VIOLATION OF MY RIGHT TO PRIVACY. I DID NOT GIVE ANY CONSENT FOR THIS COMPANY TO ACCESS OR DISTRIBUTE MY PERSONAL INFORMATION. 15USC 1681 ( a ) ( 4 ) You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 

NO WRITTEN INSTRUCTION WAS GIVEN TO REPORT THIS ALLEDGED ACCOUNT ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I have not done or agreed to do any business with AMSHER nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is another direct violation of my rights 15 USC 1681. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FDCPA 813 [ 15 USC 1692k ]
Product: Student loan

I 've applied to the Department of Education for a Student Loan Discharge based on False Certification - Disqualifying Status, as outlined in 34 CFR 685.215. They have denied me four times, citing a reason that is not supported in law. I have met the eligibility requirements to have my student loan discharged, but they are unwilling to do so since they are the holders of the debt. I am attempting to seek relief. Keep in mind, that the only reason they can come up with to deny my application is one that is specifically not included in the law. This is testament to how strong my application is.
Product: Bank account or service

I applied for an Ally Bank online savings account on XXXX/XXXX/XXXX and transferred, via ACH, {$1000.00}. On XXXX/XXXX/XXXX I logged on and the screen informed me the account was blocked. I called and was assigned Loss Prevention Specialist XXXX XXXX XXXX. I was told to provide copies of an original social security card, recent mail to my address and a state issued photo id. I supplied a copy of my passport, which expired in XXXX XXXX, plus the other XXXX items requested. I am not going to renew my passport until my hair and eyebrows grow back. I am not planning on making any foreign trips, nor even getting on an airplane for a while. My XXXX make getting my drivers license problematic for the foreseeable future. 
I was informed that the passport was not acceptable since it had expired and I had to provide a " state '' photo id. I asked for an alternative, such as providing a notarized affidavit or something similar. On XXXX/XXXX/XXXX, late in the evening, XXXX XXXX told me I could not get my opening deposit back either. I specifically asked for the opening deposit to be sent back the way it came. I am sure the transaction shows the routing & accounting numbers of my account at XXXX. She said that was not going to happen. She asked if I wanted to speak with her supervisor. 
XXXX XXXX called on XXXX/XXXX/XXXX and left a message for me to call her. I called her back the next day and left a message as XXXX XXXX works an XXXX XXXX to XXXX XXXX shift. I asked for our communication to be via email or USPS mail going forward so there would be a documentation trail. I also mentioned that I would like for someone to handle this matter for me and asked where I send a power of attorney or how to handle designating a proxy for me. XXXX XXXX left another message for me to call her on XXXX/XXXX/XXXX. 
I mailed a complaint letter to the CEO, XXXX XXXX XXXX on XXXX/XXXX/XXXX. I have not heard anything as a result, nor do I expect to. I have since taken the opportunity to read the complaints about Ally online and regret not doing my homework beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX  XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was awere that someone applied for a line of credit in my name, when I am absolutely sure I was not the one who applied to this line of credit. 

Installment Loan or XXXX Bank Account XXXX NORDSTROM/TD BANK USA got a copy of your XXXX Credit Report. 

XX/XX/2022 NORDSTROM/TD BANK USA recently checked your XXXX credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years.
Product: Checking or savings account

I checked my account balance on Monday XX/XX/ to verify if I had received my tax refunds. When I checked my balance I noticed that I indeed did get my tax refund on the XXXX XXXX XXXX {$2500.00} USD but my balanced was negative {$41.00}. When I look at my transactions I noticed multiple transactions from this merchant called XXXX XXXX and XXXX both located out of the state of Florida. The total debited from XXXX XXXX was a total of {$1600.00} USD and from XXXX was {$900.00} USD on the description they both said groceries how in the world someone can spend this much money on groceries and how can Chime authorize this transaction when they are obviously FRAUD! 

Once I noticed this transaction I immediately contacted Chime on XXXX XXXX XXXX and open a Dispute, claim number # XXXX. They said they will investigate and give me a credit within 10 days. 

Today, XX/XX/2023 at XXXX XXXX  I get an email from Chime stating they have ended the investigation and that they determined no error occurred. How in the world is possible, how can someone scam me for more than XXXX  and my bank can not help me get my funds back. My tax money that I had to wait a whole year to received now is gone!!! 

Please help me get my funds back, I bed you guys to please help me. 

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

In XX/XX/XXXX, I was seeking a loan from a bank, but I have not used my credit since XXXX due to a serious identity theft incident. In that year, my social security number was stolen by XXXX XXXX and XXXX XXXX, who opened multiple credit cards in my name, ultimately leading me to declare XXXX. Since then, I have refrained from using credit and have never checked my credit report. However, I recently discovered XXXX charges from " Ginny 's '' on my credit report from XXXX. I have never heard of Ginny 's and did not authorize any credit card from them. I have made numerous disputes with Ginny 's, as well as with XXXX, XXXX, and XXXX, explaining my situation and asserting that I am a victim of identity theft. Despite my efforts, Ginny 's insists that I must have made these purchases, citing the timing of my disputes as evidence. However, I believed my credit had not been used since XXXX, and I only became aware of these charges recently. Additionally, I informed Ginny 's that I do not live in XXXX, where the charges were made, and I provided documentation of my addresses over the past XXXX years. Unfortunately, despite my clear evidence and repeated attempts to resolve this issue, Ginny 's has sent my account to collections. I find it deeply unfair that my credit is suffering due to charges I did not incur, and I am being held responsible for credit cards I never applied for. I have invested countless hours, time, and money trying to rectify this situation, and I am determined to clear my name and restore my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXXXXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX has consistently failed to provide the necessary documentation proving ownership of the debt in question. Instead, they have only responded with billing statements and a bill of sale, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) debt collectors must provide adequate validation of a debt upon request, which includes proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not prove that the debt collector has the right to collect the debt. Furthermore, providing a bill of sale is not proof of ownership ; it simply confirms that the debt was purchased, but it does not demonstrate that the purchaser has legal authority to collect the debt.

Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation, the continued reporting of this account on my credit report is a violation of federal law. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and promptly remove any and all references to XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

Subservice XXXX Nationsart Mortgage LLC On XXXX XXXX, 2011 I sent QRW and the information I requested in the letter are proprietary information exceed the scoop information under XXXX. I have the letter here form XXXX XXXX XXXX. 
Email XXXXXXXXXXXX I have been paying PMI on this loan for 10 years and N/S will not tell me any information. At the end of the year and every month I see where they take the payment out but other I do n't not statements. N/S say I making payment to a company that has been out of business for years RMIC. 
N/S inadvertently would not disclosed and release any information too me about loan and did so intentionally. to charge fees and interested that I would not be aware of. It was not until I contacted H.O.P.E for a modification anyone started offing me help. I had to mail N/S everything I mailed HOPE two and three times over and over. But if they have continued to honor XXXX Modification the XXXX modification I would not have need this set me back over XXXX and 120 Day late on my credit report. 
I feel N/S needs to be investigated for Modification Abuse The incentive payment from the Federal government HAMP were used for profit and big business.
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke with XXXX in regards to the late fees associated with my account. I was told to reach out to the credit bureau to remove those late payments from my credit report. It clearly states on the website of my Victoria secret card that I can call them regarding issues with financial issues during this pandemic. 

Then I called the number and spoke to XXXX and was referred to contact the Credit Bureau. This was odd to me because in the past I was taken care of by my creditor directly. 

I have Late payment fees and negative credit reporting statuses for XX/XX/17, XX/XX/17, and XX/XX/17. This was all associated with my loss of income due to COVID 19. I would like those payment statuses removed from my credit report because it is negatively ruining my credit score.
Product: Debt collection

I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt  reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???