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

I no longer live

in America and I havent lived there for some time. I noticed inquires and accounts on my report today that I didnt recognize and believe that I have been a victim of identty theft. I need for these to be removed immediately. I have detailed the following list please remove. I have already contacted all of the different agencies, and basically they are on their own timelines. Takes months toget back to me and when they do they just say it was verified. How is this possible. How do you verifiy something that is fraud. No one contacted me, they couldnt have went to my address because I dont live there anymore. It just says verified. Now I need it removed. It is stopping me from being able to aquire housing
. 

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 Acct # XXXX XXXX Please remove I have filed identity theft through the authorities and now need this removed. I have taken all the steps they said I needed to take. Now they are just making excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency as JP Morgan Chase told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the  moment.
Product: Student loan

On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer XXXX ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to ESCI XXXX XXXX XXXX XXXX ( EFPLS ). EFPLS has no record of the {$5400.00} payment being made. XXXX ESCI still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However EFPLS provides no mechanism to submit any documents and their customer service line insists that the university ( IIT ) must reach out to them directly. I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the EFPLS account. As of XX/XX/XXXX with the end of the student loan pause EFPLS has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( IIT and EFPLS ) to resolve this matter or allow me to do so, I now escalate it. NOTE : This complaint was previously submitted and sent to XXXXESCI . They were not the appropriate subject of the complaint. The complaint should be directed to EFPLS and to a lesser extent IIT.
Product: Credit card or prepaid card

Opened multiple XXXX XXXX credit card accounts with citi bank. Citi bank offered miles in return for money spent. Many thousands of dollars spent resulted in award mileage of XXXX as of XX/XX/2019. Mileage account tied to citi spending was involuntarily closed and all mileage earned was taken away without any communication or compensation offered by the bank.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.
Product: Vehicle loan or lease

Case # XXXX For your reference, we have provided your case information Case # XXXX Topic : XXXX XXXX  First Name : XXXX Last Name : XXXX Email Address : XXXX Zip Code : XXXX Phone : XXXX ( XXXX ) XXXX VIN : Vehicle Mileage : Description : I went to this dealership on Saturday afternoon to purchase a vehicle. Over the phone they told me I could get a vehicle for as little as {$500.00} down and a {$420.00} per month payment. I test drove a XXXX XXXXXXXX XXXX and told the sales person, XXXX, that I like the vehicle. He said someone had already bought it by the time we got back from the test drive. He said he had another one located in Alabama that would be on the lot by Monday. I did the credit application and put the {$500.00} down. We never discussed the price of the car, an interest rate, nor a monthly payment. 
I had seen nor signed a contract on the car as I had never seen the car. They gave me a loaner to drive home until Monday. They told me to come back on Monday with a blank check, not sure what the blank check was supposed to be for. When I arrived on Monday, they were closed so I went back on Tuesday. After hearing about shady dealings with family members that I referred to the dealership, I decided I did not want the car. When I arrived on Tuesday, I told them I was no longer interested and wanted my money back. They refused to give me my money back and told me I could not change my mind. I never signed a contract and I've never even seen the vehicle they are trying to lock me into. Now they are sending me harassing messages telling if I don't pick up the vehicle they are going to report it on my credit as a voluntary repossession. I work hard to improve my credit and this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Money transfer, virtual currency, or money service

Last XX/XX/XXXX my Remitly account did a transaction of {$710.00} using my XXXX account. They used my recipient name but changed the mode of payment/pick up to XXXX which is I never did used before. I only used XXXX pick up as I want my recipient to show there identification card when they do pick up money and the other one is a bank transfer. There is a lot of transaction made at the same time during that day that tried to withdraw money on my bank accounts and XXXX credit card which was saved on there application fortunately the other transactions was declined because of those XXXX accounts sent me notifications that the transaction was declined that's when I knew my account were compromised. I right away contacted Remitly and filed a dispute and was trying to cancel my account with them. I told them that it wasn't me who is doing the transactions and I am also currently at work at that time. I was talking to the fraud specialist during that time over the phone and he mentioned to me that the transaction was made in Texas and I told him that there is no way I did that transaction as I am currently living in California. He did insist that it was sent to my recipient that was on my file and i told him she did not received any money and I never sent money through XXXX. I told him I don't even know what Gcash means and how it works I have been here in the XXXX since XXXX. I was getting upset with the reasoning that he was telling me and the way he talked to me he seems to not believe my report. He said since the recipient was my cousin he assumed she has the money. During our conversation the line was cutoff and there is no resolution that was made. I also contacted my cousin and all the recipient on my account to ask them if they received money from me via Remitly and all of them said no. I also warned them about this case and what's going on. I contacted Remitly again today via chat and I have a screenshot of this conversation and all he ( XXXX ) have to say was this transaction was complete. I asked a lot of follow up question about that and he didn't reply at all.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently been a victim of identity theft. This unfortunate event has led to unauthorized and fraudulent activities on my credit report. I am deeply concerned about the security and accuracy of my personal information under your stewardship. 

In addition, I believe there may have been violations of the following United States Code ( USC ) sections : 1. **42 USC 408** : This statute makes it a felony to misuse Social Security numbers . If my Social Security number was used improperly or without proper authorization, it could potentially indicate a violation of this statute.

2. **15 USC 1602** : Part of the Truth in Lending Act, this statute provides definitions for various terms related to consumer credit. If there was any misrepresentation of credit terms or failure to provide necessary disclosures, it could suggest a violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply unless there's an issue with a specific financial instrument involved in the identity theft.

I kindly request that you investigate these matters promptly and take necessary actions to correct any inaccuracies in my credit report due to the identity theft. I also urge you to enhance your security measures to prevent such incidents in the future. 

In addition, I would like to request the deletion of certain items from my credit report that are inaccurate or have been affected by the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus ( XXXX, XXXX  & Transunion ) to have information removed that does not belong to me. After the disputes, they return a message that states they have verified the information belongs to me. This can't possibly be the case since they do not belong to me. How do I get this information disputes correctly with true results?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and overall financial well-being, and my numerous efforts to rectify this situation have yet to yield a satisfactory resolution. 

The following issues persist on my credit report despite my repeated efforts : I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent accounts and transactions on my credit report. I have diligently reported these fraudulent activities to the respective creditors, filed police reports, and submitted identity theft affidavits as required by law. Despite my numerous attempts to rectify these errors, these fraudulent items continue to tarnish my credit history. 

I have submitted multiple dispute letters to the credit bureaus, providing detailed information on the fraudulent nature of these entries and furnishing all the necessary supporting evidence to substantiate my claims. Unfortunately, the response from the credit bureaus has been inadequate, and the fraudulent items remain on my credit report. 

I understand the vital importance of accurate credit reporting and am committed to restoring my financial integrity. It is imperative that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. Furthermore, I request written updates on the progress of this dispute and the results of your investigation. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove the fraud items : 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
Product: Money transfer, virtual currency, or money service

My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.
Product: Credit card

Chase bank security called me and stated they had charges to a credit in XXXX for XXXX dollars. Also another one for XXXX XXXX dollars at XXXX in XXXX. They had my SSN. They told me to call this phone number first, XXXX. I called and it did not sound like chase security. They tried to transfer me to your agency. I asked them for the number and they gave me this number XXXX. I am not sure if this is a scam or real. I did call Chase Customer service and they said I have no open credit cards with them except for XXXX XXXX which there was only 1 charge that I made. Please help, i do not know what to do. They also gave me a case number of XXXX.
Product: Checking or savings account

One Main Financial I advise to them that I get paid twice a month and still despises to take money from my account on the date I did not authorize in which overdraft my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not have the most recent XXXX account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by XXXX, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that XXXX credit account is currently 30 days late.
Product: Credit reporting or other personal consumer reports

As a consumer and natural person am a victim of identity theft. Transunion, XXXX, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Transunion, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! Transunion, XXXX, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I hired a lawyer and informed XXXX XXXX that I would be filing for Chapter XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>, and it was XXXX at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, XXXX XXXX continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Product: Student loan

Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.
Product: Credit reporting or other personal consumer reports

I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : DEPTEDXXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX :