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

Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXXI have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2021 JPMCB Card pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with JPMCB Card Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I received one letter in the mail from XXXX XXXX XXXX stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that XXXX XXXX XXXX reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called XXXX XXXX XXXX immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like XXXX XXXX XXXX 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.
Product: Debt collection

Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This is my third request to the credit bureaus ( TransUnion, XXXX, and XXXX ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that TransUnion, XXXX, and XXXX immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.
Product: Debt collection

I had an account with XXXX  and I had to close it because I traveled outside the USA and received a charge of {$3400.00} and then they sent me to collect with these thieves and abusers ( CREDENCE RESOURCE MANAGEMENT , LLC ) who are charging me a fee of {$1000.00} according to them these are the charges that apply but the debt is already {$5100.00} because they keep increasing it from time to time and currently the fee is {$1600.00}.
Product: Debt collection

I am writing to you with an escalating sense of frustration and anger regarding the fraudulent accounts tarnishing my credit report. It has come to my attention that my financial integrity is under attack, and I demand an aggressive and immediate response from your organization to rectify this appalling situation. I was the victim & Im not sure why the CRA is not complying with the law. 

I can not overstate the severity of this issue and the urgency it demands. It is both infuriating and deeply concerning that my credit report, a document crucial to my financial well-being, has been compromised by accounts that are unequivocally fraudulent. I insist that you unleash the full force of your investigative capabilities to scrutinize and obliterate these fraudulent accounts from my credit report posthaste. The extent of this breach requires nothing short of an aggressive, immediate, and unwavering commitment to resolving this matter. 

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  FRAUD, PLEASE DELETED I need you to comprehend the gravity of this situation and the irreversible damage that inaccuracies of this magnitude can inflict on a person 's financial standing. I will not tolerate any further delays, excuses, or half-hearted attempts to resolve this matter. 

Should you fail to rectify this situation with the utmost urgency, be forewarned that I will not hesitate to pursue all available avenues to ensure justice, including reporting your negligence to regulatory authorities, engaging legal representation, and utilizing social media platforms to expose your organization 's lackluster response. 

Time is of the essence, and I expect you to treat this matter with the urgency and seriousness it warrants. I anticipate written confirmation of the removal of these fraudulent accounts within 14 days of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is removing positive accounts from my credit file. This practice by Equifax keeps my score low. Once a negative item falls off they remove a positive item. I opened an account with XXXX XXXX XXXX. The credit line reported to my Equifax credit report and one week later it was removed by Equifax. I contacted XXXX XXXX XXXX and they advised that they reported the item to Equifax and that they ( credit rent boost ) have no control over what Equifax decides to remove from someone's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left a business in which I was the Guarantor on several accounts. One account being a XXXX XXXX credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with Experian credit reporting as my FICO Score is normally between XXXX and XXXX on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and XXXX XXXX  XXXX credit card services reported two months of missed payments. 

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

XXXX had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. XXXX did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good. 

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by XXXX 
. 
I placed a Fraud alert on my accounts and Experian used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? Experian said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue XXXX XXXX and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
Product: Checking or savings account

Used their mobile banking app to deposit XXXX checks. 
With no call, email or text they slap me with a XXXX penalty to my account and lock me out of my mobile account. Luckily my bank account is XXXX XXXX XXXX and used to be a parent and child account so my mother was able to look in and see what was going on. Without that, I would be completely in the dark. 

I go to a branch and talk to them about the situation, they say that they cant do anything about it there and so they gave me a number to call ; that number just told me to go back to the branch. 

I have a family to provide for and with no consideration nor communication they have financial crippled us.
Product: Debt collection

Sequium Asset Solutions continues to charge me for a collection that has already been resolved as identity theft fraud by the original creditor ( XXXX XXXX XXXX ). I have already proven my case as identity theft through XXXX XXXX XXXX theft and it is resolved, and XXXX XXXX XXXX has notified Sequium Asset Solutions numerous times to withdraw/close the wrongful collection. Sequium Asset Solutions continues to hold that they have not received this notification and continues to charge me for this wrongful debt, ruining my credit score by 100+ points for over 5 months!
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXXXXXX Account with Chime on XX/XX/XXXX. This was in addition to the Checking and Savings Accounts I have with them. Every time I made a transaction, I would need to transfer money into the account first in order to use the account. On XX/XX/XXXX, deposits in the amount of {$190.00}, {$120.00}, were deposited from my Checking Account. On XX/XX/XXXX, {$60.00}, {$10.00}, and Cashback Rewards in the amount of {$2.00} were deposited. The charges were XX/XX/XXXX XXXX - - {$22.00}, - {$20.00}. On XX/XX/XXXX, - {$79.00} towards my classes, XXXX Convenience Store, XX/XX/XXXX - {$80.00} XXXX XXXX XXXX, - {$10.00} Convenience, XX/XX/XXXX - - {$11.00} Convenience. On XX/XX/XXXX - - {$11.00} Convenience, - {$110.00} XXXX XXXX XXXX  ( Not Authorized ), - {$10.00} XXXX. On XX/XX/XXXX, I was charged {$110.00}! On the statement, it shows only the charges from XX/XX/XXXX and it only shows the deposits of {$120.00} and {$190.00} = {$320.00}! This is in the deposit account and was not reflected as my available balance! In XXXX, deposits were taken from my direct deposits and put into the deposit account for the XXXX XXXX XXXX Account, which was not authorized, in the amount ( according to their third statement for the same time ) + {$1300.00} ( {$320.00} + {$1000.00} ) and they charged the erroneous amount of XXXX which, as mentioned previously, I could not possibly owe. This continues into XXXX where {$1200.00} was charged for a secured account that I had to transfer money into for use. In XXXX, XXXX, it shows that the balance in the deposit account on XX/XX/XXXX was {$1200.00} ( should have been {$1300.00} ), plus an additional {$300.00} deposited. Then, they charged {$1200.00} ( that I did not owe ) with {$310.00} still in the deposit account. Their math is not even correct because it would have been {$300.00} that remained. So, the total I should not have been charged and is owed at this point is {$2900.00}. In XXXX, XXXX, a total of {$5000.00} was deposited into the deposit account without authorization, bringing the amount they owed at this point to {$8000.00}! I did not receive credit for refunds or errors/disputes they made either. This statement was changed multiple times and I have each statement. In XXXX, XXXX, I no longer was using this account and no new transactions took place. However, the statement claims that I spent {$1400.00}! The only activity that took place was my being refunded in the amount of {$980.00}, which should have actually been {$1200.00} for fraudulent XXXX charges which I won the dispute regarding. Furthermore, an additional {$1000.00} was charged to me on XX/XX/XXXX for a supposed balance of {$2300.00} ( on the third statement ). An additional {$76.00} was deposited into this account which is far less than what actually was and so that brings the total they owe to {$10000.00}! They charged me {$1400.00} on XX/XX/XXXX when absolutely no transactions were made. They went on to charge {$260.00} on XX/XX/XXXX when no transactions were made and {$59.00} on XX/XX/XXXX when again no transactions were made. {$10000.00} is the total they have fraudulently stolen from me.
Product: Mortgage

Rushmore Servicing took over servicing my mortgage last year, and they continually fail to apply the additional principal iI pay each month in a timely manner, therefore they hold it in an account and when I catch it, they do not refund the interest they overcharged me. The XX/XX/XXXX payment 's additional principal was not applied until I caught it in XXXX of XXXX. They did not refund the interest they overcharged me. 
In XX/XX/XXXX I sent a check for {$250.00} to pay for the escrow shortage, and they did not apply it till I called them XX/XX/XXXX. They held it in an account and couldn't figure how to apply the entire amount to escrow. That caused me to be charged additional interest as well. I wrote another letter, and they said they corrected but said my next payment is due XXXX. If it were done properly, my next payment is due XXXX. 
I have called at least 6 times and the call center people just can't seem to get it straight.
Product: Debt collection

XXXX XXXX states that I was late for XXXX days in my file but I got proof that shows that I was never late the account was charged off in XXXX if the car was charged off where is my XXXX form at I never got that in the mail. Thats very illegal to hold funds that should have been on my XXXX taxes and I couldnt because this company never sent. They are colllecting a debt which I dont owe either. The car was paid off already. I demand that Experian, XXXX, and XXXX to review and remove negative informations that is hurting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX Accounts # s XXXX, XXXX and XXXX has been 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 an account without my written instructions
Product: Debt collection

There are accounts on my credit report I believe are fraudulent ; please remove them promptly.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from XXXX XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v.  Equifax Information Services LLC ( XXXX XXXX XXXX ).

Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard.

Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.
Product: Debt collection

I have ELEVATE RECOVERIES LLC XXXX  XXXX XXXX XXXX XXXX, TX XXXX on my credit report and it is inaccurate
Product: Checking or savings account

Wells Fargo is charging me exsessive overdraft fees. I have been charged with XXXX overdraft fees that it was coused by a mistake of XXXX charging for the first time on this account my XXXX   member ship. XXXX has agreed to return the money but Wells Fargo wont return the funds of the overdraft fees. This is not fair and I have never signed up for this type of services.
Product: Checking or savings account

I use an application called XXXX that allows me to gain access to funds for hours that I have already worked immediately. They have lighting pay and are prompt in removing and immediately adding funds to my account. The application is able to remove the funds that I owe it on my pay day. In order for me to gain access to the funds again my bank has to send updated info to the application. This could take several days. The application helps me keep my accounts balanced and positive while I recover from a debt situation. It provides auto overdraft protection which is critical and one the reasons I LOVE the application. However, if you are counting on the application for an emergency it becomes unreliable because there is always a hold in reporting from the bank. my household income has greatly increased overall and I am about to start looking around for more savvy options with quicker responses times. The bank is costing me the money I am trying to save by working against me.
Product: Checking or savings account

I have called PNC XXXX times to close my account. I was told I was unable to do so all times unless I had a XXXX balance. Today I received an overdraft fee from account service charges. I just want this account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.