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

Recently went to open a bank account and found out that an account has been opened in my name and ssn # in another state. I live in Arizona but the account was opened in Connecticut. So i pulled my credit report and found over 30+ inquires that are fradulent and are not mine and I am requesting for all these items be removed from my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THE POLICE AND HAVE A CURRENT POLICE REPORT AND ALSO HAVE CONTACTED " ALL '' CREDITORS AND BUSINESS ABOUT THE INQUIRIES AND NO ONE WILL HELP REMOVE THESE INQUIRES WHICH WERE DONE WITHOUT MY PERMISSION AND FRADULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge TransUnion 's reporting, compliance and investigation on accounts with XXXX XXXX that are listed on my credit report. Multiple items of incorrect and incomplete information exist and TransUnion 's results into the most recent investigation indicated that the information had been verified with XXXX, despite logic and evidence to the contrary. 

XXXX Unsecured Installment Account : On one XXXX XXXX account ( an Unsecured Installment Account ), TransUnion/XXXX is reporting, inaccurately, the Date of Last Activity as well as the account having been Included in Bankruptcy. '' This account was a loan for {$7600.00} opened in XXXX and paid in full in a timely manner a couple of years afterward. TransUnion is also reporting an inaccurate Last Payment Made on XX/XX/XXXX and Date Closed on XX/XX/XXXX. This installment loan was opened in XXXX and paid in full in the late XXXX or early XXXX. Simply by way of logic, no installment loan for {$7600.00} has terms that would allow payments to go on for XXXX XXXX as this is being reported by TransUnion and XXXX. Additionally, TransUnion and XXXX continue to fraudulently re-age this account so that it continues to appear on my report many years after it should have been removed. 

XXXX Line of Credit : TransUnion and XXXX is also reporting another XXXX XXXX account as Account Included in Bankruptcy and Date Closed on XX/XX/XXXX. However, they continue to report a Last Payment Made on XX/XX/XXXX. This doesnt even make sense a payment made on an account that had been discharged through Chapter XXXX Bankruptcy nearly over a year prior? No payment was ever made to XXXX beyond the date my Chapter XXXX Bankruptcy was filed in XX/XX/XXXX. Again, TransUnion and XXXX continue to fraudulently re-age this account with inaccurate information. 

XXXX Credit Card : Another XXXX XXXX Credit Card account is inaccurately being reported as opened on XX/XX/XXXX. This account was not opened in XXXX. 

TransUnion and XXXX are reporting incomplete information on all three of the above-referenced accounts as the account numbers are all being reported as XXXX. 

Finally, each time TransUnion/XXXX purport to have verified this information, it has prompted inaccurate reporting as though my account with XXXX has fallen delinquent XXXX and that I have just recently filed a new bankruptcy or a tradeline bankruptcy as being reported by XXXX. Each time this has happened, I have received notices that my credit score has been negatively impacted - sometimes by dozens of points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In re : Report Number : XXXX Report Number : XXXX Report Number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ..promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible.
Product: Student loan

XXXX XXXX payments were around {$600.00} XXXX XXXX received information about payments restarting and was calculcated at a similar rate. I signed up for the SAVE plan XXXX XXXX Did not have any payments taken out. I called on XX/XX/XXXX and inquired. At this time they stated that there was an administrative hold on the account and that I owed {$850.00} per month despite being on the SAVE plan. During this time I asked for additional clarification and they stated that I would not need to start repayments for the next XXXX months but that it would be removed automatically from my account at that rate ( {$850.00} ). I reported concerns with the payment rate and requested it to be reviewed for accuracy. 
XXXX Received correspondence that XXXX payments were due in XXXX at the rate of {$960.00} without any additional updates on why the increase occurred. There was no recertification or any changes in the information provided, just an increase in payment yet again. This has made my increase from XXXX to XXXX at around a 50 % increase in cost. I called on XX/XX/XXXX and spoke with a trainee for over XXXX hours and they indicated that a supervisor would review ( XXXX submitted ) it but that no money would be taken out of my account in XXXX and to await further correspondence. They also indicated that I did not need to recertify on XX/XX/XXXX, but that I could wait until XXXX XXXX A payment of {$960.00} was removed from my account. I have called XXXX days in a row and been hung up on twice. I have also requested call backs and no calls have been provided. A supervisor has not contacted me despite requesting their services each time. I was also told that I need to recertify by XX/XX/XXXX. No one has been able to answer my questions and the company continues to avoid contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

Hello Sir/Madam, I appreciate you can assist this case. 

There was a advertising, which mentioned I can earn 2 tier-qualifying night credits for each night I stay from XX/XX/2021 to XX/XX/2021 as long as you applied by XXXX XX/XX/2021 ( as attached ). Then I applied the credit card on XXXX XX/XX/2021. 

When I checked with Chase about my sign-up bonus, the customer service replied I'm not qualified as Chase approved XXXX XX/XX/2021. It doesn't make sense to me as the terms of condition was indicated apply by XXXX XX/XX/2021 not approve by XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX XXXX XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Money transfer, virtual currency, or money service

I received a text from Wells Fargo on XXXX  XX/XX/XXXX : " Free Msg- Wells Fargo Fraud Alert- Did you attempt to do a XXXX transfer for the amount of {$1500.00}? Reply YES to authorize ; reply NO or 1 to decline transaction ''. I've received messages such as this previously, so I responded No and received the following text : " Thank you for your confirmation case ID XXXX ''. Within minutes I received a call from a Wells Fargo phone number and the guy on the other end was able to convince me to go through with a a XXXX transfer of {$1000.00}. He made me panic and feel like my bank account and information was compromised! He truly sounded like a Wells Fargo employee and they had all of my information. I am young and savvy, use XXXX and XXXX, but I had never heard of XXXX before this day. I immediately opened a fraud case with Wells Fargo, which was denied, though I feel like I should have recourse under the Electronic Fund Transfer Act. It is frustrating that it's impossible to know if the bank calls if you're being scammed or not! Further, I don't see any of the letters/ documentation regarding my claim on their online portal, which leads me to believe that they just want consumers to forget about it once denied. I have no idea what steps to take to recover this money
Product: Credit card or prepaid card

Dear American Express Compliance/Legal Department, On XX/XX/XXXX I was informed via email by American Express that charging on my credit card account was suspended, and that I would need to complete and return a tax form called the 4506T in order to conduct a financial review. I promptly completed the form and followed American Expresss instructions to securely submit it. However, I mistakenly signed my name electronically whereas the form required me to sign it in ink. I was informed that I had made this honest error by XXXX XXXX, an Account Manager with  the American Express Financial Review Team. His direct line is XXXX, extension XXXX. 

I summarily completed the form again, signed it, and electronically scanned the document to send to American Express on XX/XX/XXXX. However, as I can now see, I mistakenly wrote the date as XXXX, instead of XXXX, due to my forgetting the recent New Years change. Today, XX/XX/XXXX, I contacted Mr. XXXX via phone to request an update on the status of my account. He informed me that the IRS had rejected my form 4506T because of my clerical error. This matter was also an honest mistake ; however, Mr. XXXX told me that American Express will not allow me to submit the 4506T document more than two times, but he specifically stated over the phone that this policy is American Expresss, not the IRSs ; the IRS would gladly allow me to submit another form. Mr. XXXX explained that because I had already submitted the document two times, I had no more chances to verify my income with American Express and that my account would be closed. Nevertheless, I would be very distraught if I were to lose my American Express credit card account. 

I am submitting this complaint, along with the attached documents, to respectfully request that I may be allowed to submit my documents one more time, without error, so that my account may be reinstated, and I may enjoy the benefits of being an American Express Blue Cash Preferred cardholder. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

After checking the information that's being reported on my most recent credit report, I noticed two inaccurate late payments that are being reported on my credit report for my auto loan account which was never late. 

Santander Account # XXXX 60 Days Past Due ( XX/XX/2020 ) 30 Days Past Due ( XX/XX/2020 )
Product: Student loan

On XX/XX/XXXX I was contacted on my personal phone by a person named XXXX XXXX who said he worked with the Department of Education and that they were giving calls to everyone who has student loans and assist them to modify current plans to a better one where my loan will be forgiving at the end. This person was well trained and talked for many minutes regarding different plans and how this will help me reduce my payments and then qualify for a student loan forgiveness by the department of education. We ended up agreeing that a {$39.00} payment a month for 240 months will be my best plan giving my salary in that time and that by the end of 240 months, the rest of my student loan will be forgiving by the Department of Education. He sent me a contract which stated all this and I agreed to it giving my bank information. In that time I never thought people would be so evil to get to all that trouble to scam people with student loans. I mean its student loans for XXXX sakes! I was stressed and just wanted to pay off my student loan among others, so I agreed. My first payment was done of {$790.00} for filing fee to a company working with the Department of Education named XXXX XXXX and then {$39.00} a month after that for 240 months. First payment was done on XX/XX/2020. Second and all other consecutive payments of {$39.00} will de done on XX/XX/2020 and onwards. As he said every month I was paying {$39.00} a month and I was relieved as I was paying my student loan and doing the right thing. On XX/XX/XXXX my new student loan servicer ( NAVIENT ) that was appointed by this person called me to inform me that on XX/XX/XXXX covid 19 National Emergency Forbearance , will finish and I will have to start paying my debt again. I wasn't sure what he was talking about because on my side I was paying my student loan at {$39.00} in autopayment for the next 240 months! I searched my old emails and opened one that said Navient logged in and noticed no payments have been made. I realized I was a victim of fraud and didn't know what to do. This is unacceptable to have companies like this exist and I honestly believe NAVIENT is also to blame as it was their bank of choice which also belongs to the DEPARTMENT OF EDUCATION! 
They should be trialed by court and pay for being accomplices to this XXXX XXXX and XXXX XXXX. They should all be sued and trialed by court. I can't imagine how many others are victims of this. 
I have closed my bank account and submitted a claim fraud to fight this act of fraud. 
Please if you have any way to assist me to regain the money I lost in this fraud. Please let me know. I made one payment of {$790.00} and 23 payments of {$39.00} it all adds up to {$1600.00}. 
Thank you.
Product: Debt collection

I am a victim of identity theft due to a data breach, and as a result, seven fraudulent accounts and multiple unauthorized inquiries have been added to my credit report across all three credit bureaus : XXXX, XXXX, and XXXX. The fraudulent accounts in question are as follows : XXXX XXXX ( Account Number : XXXX ) XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  Midland Credit Management XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Midland Credit Management XXXX XXXXXXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ) I did not open or authorize these accounts, nor am I responsible for any transactions, balances, or inquiries associated with them. These accounts are now showing up on reports from XXXX, XXXX, and XXXX, severely impacting my XXXX XXXX and misrepresenting my financial behavior. 

On XX/XX/year>, I sent written requests to the creditors involved to verify the accuracy of these debts, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). To date, I have not received any response or validation. Failure to verify these debts within 30 days violates my rights under the FCRA, and these accounts should have been removed as a result.

Furthermore, the FCRA 605B ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block information resulting from identity theft upon notification. I have provided sufficient evidence that these accounts are fraudulent and demand immediate action to correct my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 a refund request along with XXXX dollar fee for each money order totaling XXXX dollars was sent certified mail to Western Union. We still have not received the refund. I have filed a complaint with western union as they are hard to understand and give us different information every time. I along with my boyfriend have called 20-30 times. I was assured for the third time these refunds would be here but the last time I spoke with them XX/XX/2018 they had an address that is not ours at all. Now we have to wait 10-15 more business days on top of the three months we have already waited. The customer service is the worst I have ever seen and if you ask to speak with a supervisor, they never answer. I need this resolved immediately! Thank you.
Product: Student loan

I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe. 

Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious. 

I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder. 

After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws. 

Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue. 

XXXX University is the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Product: Credit card or prepaid card

I applied for a Chase credit card after receiving a message in the mobile app that I ha

d already been approved. However, after submitting my details, I was not approved, and have been led to believe my application is still conditional on some variable, which is directly contradictory to the notion of pre-approval. We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up
to 30 days.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}.