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

I have attempted to have my address added to my personal information on my credit report several times since XXXX of XXXX. In XXXX of XXXX, I applied for a car loan with XXXX XXXX, myself and the loan officer was told there was no address on my credit file. Once an address was added to my personal information on my credit report, the address was incorrect. On a few occasions, I have provided proof of address and identification with a copy of my driver license and a copy of my bank statement. On XX/XX/XXXX, I applied for a credit card with XXXX. I was denied with a letter stating, I have no credit record available ''. Please help. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization according to FCRA 605B. they are required by law to obtain my consent before including any information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last four digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte
Product: Debt collection

XXXX XXXX {$250.00} I have call multiple times to the company about this consult was a referral for the XXXX  XXXX XXXX. The XXXX XXXX people are the ones needing to pay. 
The office keeps trying XXXX XXXX.
Product: Checking or savings account

Via ATM, I deposited 2 checks on XX/XX/21 from XXXX XXXX for damage to my roof following Hurricane Ida. I didn't notice there was a co-payee ( XXXX, reverse mortg ). Capital One cashed checks but froze money. Since then, I've been speaking with Cap One, XXXX XXXX and XXXX, all to no avail. Cap One insists XXXX, as initial remitter ( 1 ) do a stop-payment ( checks already cashed, so no can do ), ( 2 ) do a reverse payment and recover the funds, or ( 3 ) XXXX can do hold harmless letter. I've spoken w/ people at XXXX and XXXX  and Cap One and haven't been able to get anybody to budge. I'm the correct recipient but I didn't see XXXX was co-payee. ( My bloody mistake!!! ) Nevertheless, I've tried to follow all suggestions and nothing has worked. Meantime, my money is sitting in the bank frozen, for more than a month. And my roof hasn't been touched. 

I made a mistake. Bet I'm not the only one. But the fallout from this mistake has been never-ending, energy-sapping and just unbearable. I imagine I'm not the only one who made this mistake. The fix for this mistake is onerous. In fact, that's too small a word. Life-sucking is more appropriate. 

The attached document gives all the particulars. I'm waiting just now to see if XXXX is willing to do a reverse payment to recover the funds. I don't understand why it's so complicated. I feel I'm being batted back and forth between powers greater than I.
Product: Debt collection

On XX/XX/XXXX received a credit hit from ( I C System ). I immediately called in to find out what the credit hit was for. I found it interesting I got a credit hit since I am in active XXXX  XXXX bankruptcy since XXXX and knew that any debt would have been previously disclosed through court. Upon calling in to ( I C System ), I was told the debt was for {$3600.00} to XXXX XXXX XXXX. I knew instantly this was identity theft based on the amount and the phone numbers the representative listed have never been mine. She listed XXXX ; XXXX and XXXX. I had XXXX XXXX XXXX cable for 6 months from XX/XX/XXXX until XX/XX/XXXX and decided to cancel it. After cancelation I received zero phone calls, emails and letters regarding this matter until the XX/XX/XXXX credit hit. I have subsequently filed a police report for the identity theft. I am filing a XXXX  and CFPB report and want this collection efforts and negative credit hits to be removed! FDCPA, TCPA violations carry a hefty penalty. My bankruptcy case number is # XXXX - XXXX.
Product: Money transfer, virtual currency, or money service

My computer was hacked on XX/XX/23. I logged into my computer and noticed screen sharing software called XXXX and XXXX were virally attached to my computer, giving access to my computer screen. Although I had password protection and dual factor authentication on my financial accounts, hackers were able to get access to my Western Union account and make 3 payments of {$6300.00} total before being caught. 

These programs allowed hackers to utilize my IP address. Once I found these issues, I hired an IT company and we immediately removed ALL programs and files from my computer ( not just the viral ones ), scrubbing it completely, and then reinstalled only the essential the programs I utilize that are safe and secure. I also changed the passwords to various accounts or shut them down. 

My bank, XXXX XXXX, has refunded me the money, but Western Union is saying since the transactions came from my IP address, it came from me, and the money is due. They are threatening collections.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

As of XXXX XXXX. I open a checking account With Wells Fargo Bank in which the account A huge deposit was made. On XX/XX/2020 I received a letter from Wells Fargo stating that they need it more information for the account like my social security number. So I had to make an appointment to go in and sit with a banker because of the covid 19 pandemic. On XX/XX/2020 Went into Wells Fargo branch met with the banker with the letter for the information requested. As the banker review my account he informed me that there were no information needed and that everything on the account was correct and he did not see why they even Sent the letter out requesting for more information. He reached out to the back office just to be for Certain That everything was correct. The back office stated that everything was correct on my account and there was no worries and to disregard the letter so the banker took a copy of my driver 's license and social security card To post to the account so there will be no discrepancies. On XX/XX/2020 my account was closed by Wells Fargo bank Without any warning no letter, no email, no phone call of any sort to inform me what was happening to my account. They just close the account and took out all of my money over a {$100000.00} and Left my account at a XXXX balance. When I call to find out what happened no one could tell me anything no explanation or reason as to what happened or even why it happened. On XX/XX/2020 I had another appointment with the banker and he could not tell me what had happened to my funds or the account. He was also the same banker that opened account. I also notice that he had put the wrong address on the account.I don't know how he couldve done that when I gave him my Driver 's license and social security card for the account! XXXX? So he reached out to the back office and they could not tell me what happened to the account. No one had no reason no explanation of any kind and could not even explain what had happened to my money I am completely devastated The only thing they did was apologize for this happening and say that they will mail me a check through XXXX  which did not come yet I am completely a nervous wreck I did not authorize Wells Fargo to Do any of this who mails out a check with that amount of money in it ..this is insane They didn't even have a tracking number or anything I need help with this case immediately if anyone knows where or who can help me please respond immediately. I will never bank or even suggest anyone to ensure their money with Wells Fargo again!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Payday loan

Borrowed {$1400.00} in XXXX XXXX. Paid XXXX payments of {$110.00} = {$1100.00} ) Per online, balance is currently {$1400.00} as of XXXX XXXX ( Over {$1200.00} in interest ). However unsure of TRUE balance since last payment made in XXXX XXXX. 

Was unable to keep up with payments due to XXXX income ( was unemployed for 10 months- catching up on past debts and medical bills ). Several attempts were made to set up payment agreements with NETCREDIT via XXXX XXXX XXXX in XXXX XXXX, but Net Credit did n't agree. My intent was to pay this loan and to work out some agreement because I could n't afford the {$110.00} per pay check. NET CREDIT not only did n't accept the pay agreement, but they updated my credit reports to reflect 180 days late as of XXXX XXXX, which is detrimental to my score. 

I am willing to pay the balance owed of {$1400.00} if NETCREDIT agrees to update my credit score as paid, NEVER late or REMOVE the item ALL together from my all XXXX of my credit reports. 

I was NOT aware the interest on {$1400.00} would be {$1200.00} ( almost the amount of the loan ). I would have NEVER agreed to this loan. I am a veteran and XXXX civilian on a tight budget. This interest charged on the loan is hideous. I could have borrowed that amount from a local bank/lender and not have that much in interest. This is a horrible way to take advantage of those that are in need!
Product: Credit reporting, credit repair services, or other personal consumer reports

Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my XXXX XXXX income. They are reporting to credit companys as nationstar but I am paying to mr cooper, that was old lender.
Product: Student loan

Back in XX/XX/XXXX, I had attended a school called XXXX XXXX XXXX XXXX XXXX for a certification program for computer programming. The original loan was with Sallie Mae taken for the amount of {$11000.00} at 13 % interest. I have had payment issues on this loan in the past and had the load deferred and in forbearance and missed a lot of payments. 

Well today the loan is with Navient since they bought Sallie Mae and today the balance of the loan is now at $ XXXX@ 12.25 % I believe there is a lot of invalid information on this loan that is invalid and below lists the possible issues 1- Loan was taken out in XX/XX/XXXX through Sallie Mae but according to Navient, the repayment start date is XX/XX/XXXX 2 - Original Principle was for {$11000.00} today the balance is {$13000.00} 3 - Interest Rate was at 13 % and now at 12.25 % and it is variable 4 - The school I attended was XXXX XXXX XXXX XXXX XXXX - Which is no longer in business 5 - School that Navient has listed is " Direct Loan '' this is not a school and nor did I ever take a loan out with Direct loan going to this school. 
6 - Looking at Payment history on Navients Website only goes back to XX/XX/XXXX but disbursment happened on XX/XX/XXXX according to Navient 7- Since inception of this loan, I have paid a total of {$22000.00} with late fees, payments, forebarences, etc 8 - I contacted Sallie Mae to talk to them about loan forgiveness and they started asking a bunch of questions. They asked me where I lived and I gave them the address of where i lived at the time. I lived with my girlfriend so they asked me where i lived and I gave them the address, They then told me that the house I lived in ( Not mine but my girlfriends house ) was worth a certain amount and thus told me to take out an equity loan to solve the debt. How do I do that on a house that is not mine? 

I feel that I have been suffering with this loan for a longtime now and have paid the borrower double at this point and am looking for some relief.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/XXXX I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX  and the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was recently brought to my attention that Equifax improperly stored sensitive Personally Identifiable Information improperly and suffered a massive data breach, leaking my PII to hackers. According to the XXXX XXXX XXXX, " Criminals gained access to certain files in the companys system from mid-XXXX to XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. '' Equifax confirms that my PII was part of the breach. 

Equifax offers to provide credit monitoring services, but only if I agree to give up certain legal rights, and agree to arbitration.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX. I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies lowered my score by nearly 100 points in one month citing false reasons that dont apply to my account.
Product: Mortgage

We switched our Home Mortgage Insurance provider from Homeowners of XXXX to XXXX back in XXXX. The Homeowners of XXXX issued us a check for {$3500.00} which I cashed and on XX/XX/23 put via local Wells Fargo branch to our escrow account as additional escrow ( we have a receipt ). Then I checked and could find the above amount on my account, so I wrote a letter to Wells Fargo Home Mortgage with my concern. In their response they confirmed that the additional escrow amount was received in XXXX, went to unapplied funds first but on XX/XX/XXXX was credited to our escrow account. However, in XXXX we received the XXXX Account XXXX dated XX/XX/23 with notification our escrow account has a shortage of pretty much the same amount, and we need to pay it as additional escrow ( again?! ) or they will split it over or monthly mortgage payments. I called their Customer Service immediately to talk to their loan officers, but they were unable to clarify anything just saying like " we can not understand what happened to the amount we received ''. We suspect our fund mismanagement if not fraud and it is very hard to deal with Wells Fargo nowadays- they put all services on the phone, it is hard to get a paper trail, every time new person responds ( same with letters ).
Product: Credit reporting, credit repair services, or other personal consumer reports

An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit file.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days. These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( Equifax ), 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.