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

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX - XXXX XXXX INQURIES BEING CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C XXXX. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is a big part of, my identity, everyone has made mistakes, however I have made improvements towards, all three credit bureaus, having a poor credit score is embarrassing, unpleasant and frustrating for everyone, especially those who dont have any money to invest or make payments for their loans or mortgages.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have filed disputes in accordance with the FCRA. My disputes are not being processed correctly and the paperwork and my FTC report is not being attached. I am not getting copies of the verification process per the FCRA> These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a certified letter on XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law on XX/XX/2024. I stated I was filing complaints regarding inaccurate items on my credit. Despite my efforts to resolve this directly it remains unresolved. I requested immediate investigation pursuant to 15 USC 1692g. 

15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1635 15 U.S. Code 1692g I havent heard anything back and my credit continues to remain the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX CARD Inquiry : XX/XX/XXXX
Product: Mortgage

Hello, I am a XXXX on XXXX XXXX. I utilized my XXXX mo loan payment deferral benefits with XXXX mortgage starting XXXX XX/XX/2022. I submitted my XXXX XXXX orders and a written request. When I called the mortgage company several times, I was told that I was ok to go ahead and proceed with deferral. The website did not reflect any changes and looked like I was delinquent. I started calling to attempt to make XXXX payment, which is 5 months of deferral. I had a feeling that it was not registering right. The customer service department is not helping me and my husband and is very disorganized. It is now XXXX, I am trying to make payment and I am being hung up on. The customer service has turned into collections department. There is severe misunderstanding and miscommunication within United Wholesale Mortgage XXXX. We need help. I do not want my credit score affected. I also see now that XXXX has taken one of my last payments and applied it to their Mortgage insurance. I am worried there will be confusion and our house will be affected erroneously.
Product: Credit reporting or other personal consumer reports

I received the results of my credit report dispute from XXXX, CREDIT FILE : XX/XX/2023 Confirmation # XXXX and TransUnion Report Created On : XXXX File Identification Number : XXXX. The results was not to my satisfaction, because my credit score did not change. XXXX and TransUnion reports a credit score that is XXXX points lower than XXXX, which is a drastic difference. This amount of difference shows that XXXX and TransUnion are not reporting my credit score correctly.
Product: Money transfer, virtual currency, or money service

My Venmo account is linked to my bank account. Someone virtually used my Venmo card without my knowledge and my account was overdrawn by over {$100.00}. I contacted my bank as well as Venmo to remedy this issue. My bank initiated an investigation but they determined that Venmo is fault and I must pursue them in order to get my money back. Even though I properly notified Venmo of the Unauthorized transaction, Venmo did not properly address my grievances, I do not believe they even filed the dispute or began any sort of investigation. It has been well over 10 business days, and nothing from Venmo. In the meantime I have accrued over XXXX $ in overdraft fees due to Venmo 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion CFPB Complaint Transunion has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Transunion any written instructions to do so. Transunion has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions Delete the following accounts. XXXX XXXX are not to be reported and are longer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Requesting {$1000.00} for each violation of reporting after this was demanded to be removed by the XXXX
Product: Debt collection

Here 's the history of my saga with Bank of America : XXXX  of XXXX - I don't have the exact date. 
I notified B of A credit card fraud department after seeing it in my credit report that I had a claim against me. I assumed it would get resolved much like it did with XXXX credit card with the same identity theft. Both credit cards were obtained using an old mailing address and not obtained by me. 

Early this year - I received a summons and complaint form Bank of America to appear dated XX/XX/XXXX. 

On XX/XX/XXXX after numerous attempts to get someone who understood my situation, I got hold of XXXX at the fraud dept. I explained that I never heard back about my claim until I received the summons. They provided me with a case ID number XXXX. 

On XX/XX/XXXX I finally received a letter from B of A requesting for back up materials. 

On XX/XX/XXXX I faxed all the requested documents. 

More documents were requested on a letter dated XX/XX/XXXX. I mailed those documents on XX/XX/XXXX through the US postal service. 

On XX/XX/XXXX I called and spoke with XXXX, since I still hadn't heard back. 
XXXX informed me that my case was closed and declined on XX/XX/XXXX. He kindly re-opened the case for me and asked that I fax over all the materials again. 

I received a letter dated on XX/XX/XXXX with another decline. 

On XX/XX/XXXX I made numerous calls to get connected to a supervisor. I was told by XXXX that I needed to prove that the money advanced from the credit card into a B of A checking account under my name, was not my account. XXXX said I would need to contact B of A to file a separate claim, which I did. 

I received a letter dated XX/XX/XXXX from B of A checking to send backup information to the claim. On XX/XX/XXXX information was mailed to B of A checking. 

I received a letter from B of A checking dated XX/XX/XXXX acknowledging that I wasn't the person responsible for opening the account and they would notify the credit bureau and internal departments to stop the collection effort and remove this stain form my credit history. 

On XX/XX/XXXX I spoke with XXXX XXXX at B of A credit card. He asked me to fax over the letter from B of A checking to XXXX XXXX at Bank of America Credit Crd. 

Dated XX/XX/XXXX I received a letter from B of A credit card being denied again.
Product: Credit card or prepaid card

every month is the same, the only way I can get money off this card is by doing a money transfer to my cash app card but now I can not get any money transferred it tells my my bank will not allow it. The last time I tried was on XX/XX/2021 and again on XX/XX/2021. the amounts I tried was {$20.00}, {$25.00} and {$50.00} and the same thing for all 3 each time. I have had nothing but problems with this card from day 1 and when I contact them they tell me there is nothing they can do about it, that I must be doing something wrong. It is bad enough they have a {$500.00} a day limit to withdraw money but XXXX I can't even do that.
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all three Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX Receivables as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.
Product: Student loan

I graduated in XXXX. At the time I had no business in college, I graduated XXXX XXXX with a XXXX  GPA and XXXX  with a XXXX GPA. I had 0 concept of finances and did not fully understand what I was agreeing to. I only wanted to wrestle. 

As an adult I am better with money and recognize the consequences of my actions from over 11 years ago. Unfortunately Navient is very hard to work with. You student loans are in 3 different departments, Government, Governement back, and Private student loans. Each department has it own programs and don't talk to each other, so when you have 20 student loans it is easy for Navient people to make mistakes. They signed me up for 18 % interest rate. I have basically been on a rate reduction plan for the private loans for the last 10 years and have never paid the government loans. Every six months they want to call and discuss my income situation over again. I also get harrassed by employees for making life decisions like buying a car or house. They tell me I should be calling them before taking out new debt. It is very draining considering the yoyo ride my income has gone on over the last 10 years. It should not be legal for them to hold an 18 % debt over my head and not consider locking in a rate longer than 6 months. They are the only negative reporting information on my credit. So I can not refinance the loans, they keep increasing the monthly payment so paying back federal also becomes impossible. Not sure what this email will do but I though someone should know. 

The purpose of Student loans and Navient was to improve my life. I now feel like a slave to the debt and I keep getting harassed by the company every 6 months because they want me to pay 18 % interest. Navient needs to do a better job of servicing their long term customers and helping them enrich their lives through a pay plan that is profitable but affordable for consumers. Student loans should not be hurting me this badly after 11 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a fraud dispute with the credit bureaus. Equifax is the only creditor that did not removing the fraudulent account from XXXX  XXXX XXXX.I 've contacted XXXX XXXXXXXX XXXX they using a fraudulent checking account which was opened with fraudulently and using the fraudulent account to verify the credit card account. My social security and ID were compromised and fraudulent account was opened without my knowledge or authority l started a fraud dispute with the bank.I 've send the bank every documentation the 've requested. XXXX XXXX XXXXXXXX requested my id from a third party which was Equifax. Equifax sends an ID without my knowledge or authorization. After the Bank had my ID no one asked to verify the legitimacy especially on an ID theft claim, I don't know what Equifax has or what was sent.The Bank never verified with me.Nor did I know my XXXX was an issue I have never been embarrassed trying to explain myself.I'am XXXX by XXXX only. I've been going thru XXXX XXXX XXXX and XXXX XXXX XXXX.I'am ashamed and disappointed how XXXX XXXX XXXX has handled my situation, they were questing my XXXX  and making me uncomfortable with questions that could have been avoid if only the bank let me know what Equifax has sent out.I had NO problem sending the bank my id picture, nor em I embarrassed or ashamed of myself. I'am who I am and i'm proud of myself
Product: Student loan

XXXX XXXX XXXX misapplied my loan payments after a loan had already been paid off and I received a PAID in FULL notification ; they reopened my PAID OFF loan and altered my balance right before I was about to make a payment. I believe this company is altering and misappropriating my loans to collect extra money from me.
Product: Mortgage

WELLS FARGO IS WRONGFULLY REPORTING 30 DAY LATES FOR SEVERAL MONTHS FROM XX/XX/XXXX-XX/XX/XXXX. I HAVE TRIED TO CONTACT THEM AND PROVIDED PROOF OF PAYMENT FOR EACH MONTH THEY REPORTED LATE, BUT MY REQUESTS KEEP GETTING IGNORED. WELLS FORGO STATES THEY WILL NOT CORRECT OR REMOVE LATES AND HAVE SENT ME PAYMENT HISTORY WHICH DOES SHOW ALL PAYMENTS RECEIVED IN A TIMELY MATTER WITH NO LATES HOWEVER ON MY CREDIT REPORT THEY ARE REPORTING LATE ... THIS IS VERY CONTROVERSIAL INFO, HOW CAN THEIR PAYMENT HISTORY SHOW PAYMENTS MADE ON TIME BUT THEIR REPORTING TO BUREAUS SHOW LATES .... 
WELLS FARGO HOME XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX Phone number not available Date Opened : XXXX/XXXX/XXXX Responsibility : Joint Account Account Type : Mortgage Account Loan Type : CONVENTIONAL REAL ESTATE MTG Balance : {$420000.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$4000.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$440000.00} Original Charge-off : {$0.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$4000.00} per month, paid Monthly for 480 months Remarks : DISP INVG COMP-CONSUM DISAGRS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rating OK X OK OK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft repeatedly since Equifax data breach I have been in multiple data breaches where all my information has been released all of my information and has been used for many inquiries and accounts therefore I have creditors and debtors and collection agencies after me that I've never been involved with in any way I have not used my credit my personal credit since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to freeze/unfreeze/refreeze my experian credit history. I had to complain to their customer service department to get my credit unfrozen on more than one occasion. I use there web based solution, and I can't make any changes to my freeze status as their own copy/pasted information they do not recognize within their web site forms. 

On top of that, they make you think you have to buy their services to unlock your credit and/or lock your credit by bringing you to a purchase page first and putting in extremely small font, their " freeze '' page is at experian.com/freeze. Enter your information into their form, and it doesn't recognize your information, and they then tell you you have to send a printed document to an address that will take several days to process. 

THIS IS INEXCUSABLE in today 's world. I am FORCED to use their service. This company is so poor, I would not do business with them with the sole fact I am forced to use their services because THEY have unrestricted control of my credit information. This is CRIMINAL. All I want to do is change my unfrozen information to frozen and here I am filing a complaint against them as they have frustrated me to no end. They deliberately do this to try to force one to buy their worthless products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX XXXX and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my Experian and XXXX credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting 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 These accounts are reporting inaccurately. REMOVE THEM IMMEDIATELY. It's damaging my credit and ruining my life!!!
Product: Credit card

I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Bank of the West to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Bank of the West.