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

Spoke to XXXX supervisor with the customer advocacy team and credit line rep with Mohela. Who confirmed the account ( XXXX for {$72000.00} ) was not mines and I am not the signer. The rep generated two ticket numbers to have it removed from my credit reports. Ticket numbers XXXX and XXXX. The rep also stated he checked in the database which indicated and reads that I am not associated with those loan balances, so they need to get removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX were contacted by complainant due to incorrect Chapter XXXX Bankruptcy filing being reported to TransUnion. Upon investigation, XXXX found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. XXXX verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. 

On XX/XX/2019 the complainant filed an online dispute with TransUnion due to incorrect Chapter XXXX Bankruptcy filing reported by XXXX XXXX XXXX. A full description of the situation was provided in the dispute. 
During TransUnion 's investigation, they contacted XXXX, referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. 

On XX/XX/2019 the TransUnion investigation determined that the reported Chapter XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. 

On XX/XX/2019 complainant contacted XXXX and spoke with Customer Service Supervisor, XXXX ( employeXXXX ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to TransUnion and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a Chapter XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the TransUnion dispute claim in order to rectify the problem. 

On XX/XX/2019 Complainant called TransUnion dispute office to challenge the dispute, offering to contact XXXX XXXX XXXX on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
Product: Checking or savings account

On or about XX/XX/year> I received a letter from Northwest Bank notifying me that I opted for overdraft service on a new Northwest account. During the last week of XX/XX/year> I was notified by my ID care of multiple suspicious activities associated with my social security number. I am a victim of identity theft.On XX/XX/year> I received a Debit card issued in my name from Northwest Bank. I contacted them on XXXX XXXX  to notify them that this card and any associated accounts were fraudulently opened using stolen and old PII. The person I talked to informed me that I would have to visit one of their branches to prove it wasnt me who opened that account. The branch is 30 miles from my home and I told them I would not do that as it would created a hardship on me and it was their approval system that allowed this account to be opened fraudulently. The customer service agent then transferred me to someone named XXXX at extension XXXX. I left a detailed message and never recieved a call back.
Product: Credit card or prepaid card

An unknown individual obtained a credit card with FNB Omaha using a fraudulent ID card with my information and the suspects picture on it. Subsequently over {$14000.00} worth of fraudulent transactions were made. I alerted FNB Omaha of the fraud and filed a police report. FNB Omaha did not remove the fraudulent account from my credit report.
Product: Credit reporting

On my most recent credit report from Experian or which I have a copy, # XXXX, a bogus and long written off medical bill from XXXX that, to the best of my knowledge, was previously removed from my credit file, with the assistance of XXXX XXXX, a department head and supervisor at Experian ( XXXX, fax # XXXX, has appeared again, and is preventing me from applying for a mortgage with ANY financial institution. This item DID NOT APPEAR on my XXXX previous credit reports, numbers XXXX, XXXX and XXXX, but did appear on the last report I originally mentioned. When I checked my credit this morning via the internet, it was still there. As to why to has reappeared, I have no idea. This alleged debt was investigated by all the other credit reporting firms and was deleled, including the most recent being on XXXX XXXX, XXXX by XXXX XXXX and XXXX, XXXX report # XXXX and XXXX XXXX report # XXXX dated XXXX XXXX, XXXX. Copies of this report, Experian 's report that I received, along with other supporting documents were faxed to you this evening following the submission of this complaint. 

As you will see, this alleged debt was totally and unconditionally written off by XXXX on XXXX XXXX, XXXX, so I assumed that would be the end of it. However, when I received another in a series of collection letters from XXXX XXXX this morning, I filed two complaints with your agency, these being XXXX and XXXX, copies of which were fazed to you this evening. 

This has been a seemingly never ending battle with Experian who, prior to the involvement of XXXX XXXX, was totally uncooperative and very arrogant. The tangible evidence is there that this is a totally bogus and baseless debt, which, as I stated earlier, XXXX investigated and removed from its files as did the XXXX other credit reporting agencies. I request that your agency take whatever action it deems necessary and appropriate to force Experian to totally, permanently and unconditionally, remove this item from my credit file IMMEDIATELY, and provide me with tangible evidence of the same, so that I can apply for a mortgage. I have less than 40 days to both apply for a mortgage and close on a house I had planned to purchase until this mess with Experian developed. I, and my XXXX cats, will be homeless if this purchase transaction is not consummated within the aforementioned period. The lender, XXXX, MO has been very understanding about this mess, but the can not process my application until this bogus debt has been removed from my Experian file. 

Your agency has successfully assisted me in the past with credit reporting issues, and I hope that you can again. Many thanks for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.
Product: Debt collection

This is a XXXX  home internet account that was paid in full when the service was canceled. The equipment was returned. I do not owe anything on this account. 

I have attempted to contact both the original creditor, XXXX XXXX and the collection agency, Amsher Collection Services . Amsher does not have any information about why XXXX claims there is a {$280.00} balance, and XXXX will not send me any documentation or accept payment unless I complete an " identity verification '' process that requires visiting a XXXX store. However, I am unable to complete XXXX 's " identity verification '' process because XXXX stores are unable to assist with home internet accounts that were opened online, as mine was.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to report inaccurate and unauthorized information on my TransUnion credit report. Multiple accounts and inquiries have been fraudulently added to my report due to identity theft caused by the XXXX data breach in XXXX  Despite my efforts to dispute these items with TransUnion, the inaccuracies persist, adversely affecting my credit. 

The following accounts and inquiries are fraudulent and must be removed : 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 I have already provided supporting documentation, including a police report, an FTC Identity Theft Affidavit, and proof of my identity to TransUnion, yet the resolution has been unsatisfactory. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TransUnion complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to remove fraudulent information from my credit report promptly. 

Thank you for your attention to this urgent matter. Please contact me if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any items 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. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXXXXXX XXXX : - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX  ) XXXX Balance : {$150.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code
1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit card or prepaid card

XXXX XXXX my tax refund in the amount of XXXX was deposited into my Chime account aka The XXXX, from The XXXXXXXX XXXX ( IRS ). I made a purchase to XXXX 's XXXX and paid a few other bills. On XX/XX/2023 my account was suddenly closed. I contacted Chime via customer service phone number. I then was directed to XXXX via email. I corresponded back and forth several times XX/XX/XXXX - XXXX 2023. I was told that my account was closed for suspicious activity. I was then told that I'd receive my balance via check to address on file after uploading identification and an explanation on why I had deposits sent to the account. It's clearly advertised that tax refunds can be sent to Chime amongst many other prepaid cards. Ive conversed everyday since then and no progress towards the release of my tax refund.Ive cooperated and sent everything requested. I just keep getting the same computer generated responses stating that I have violated Deposit Agreement Terms. Never anything specific. Due to this my family and I might be evicted, carless, and more in debt. I am a victim of Identity theft. XXXX has offered to verify my identity to them. Which Chime will not accept. Im out of options, I deserve to be helped and protected not to constantly robbed of my money and privacy. Please help me. 
Thank You XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX, American Honda Financial Services Division of XXXX XXXX XXXX XXXX Completely Deleted All of my credit bureau trade lines, from all three major credit bureau reporting agencies, XXXX, XXXX and XXXX. I am an American XXXX Veteran who took out an auto loan with American Honda Financial Services Division in XXXX XXXX, a 60-month/5-year loan and I have made all of my monthly payments on time, and have and excellent payment history for paying all current payments on time, all 56-payments to date are current.When American Honda Financial Services Division, without my knowledge or permission, & without any regard for my excellent payment history, Deleted all of my auto loan trade line history, my fico score immediately dropped over 38-points on all credit bureau reporting agencies, now my credit history was completely deleted & destroyed/erased by American Honda Financial Services Division due to their deleting all of my tradelines, this has damaged me financially!! Honda Financial Services Division has permanently deleted all of my excellent payment history, there is no longer any payment history that I ever had an auto installation loan, so the loss of my tradelines being deleted by Honda immediately damaged my fico credit score by negatively lowering minus 40-points, honda financial services division managers stated to me on the telephone XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, that their executive offices, the CEO & President of XXXX XXXX XXXX XXXX ordered the Honda Financial Services Division to intentionally discriminate against all individuals who had auto installment loans of any kind who were financed with their bank, & they were also instructed to delete all of the tradelines of any honda financial services division auto loan customers who ever filed for any type of bankruptcies, past or current even if the bankruptcies were already or previously fully discharged by the federal bankruptcy courts. This is outright negligence & discrimination on part of American Honda Financial Services Division, selectively targeting a specific group of its auto loan installment loan customers! My G.I.Home Loan is now on hold because I am now having problems getting qualified, for a new home loan, prior to honda deleting all of my tradelines, I was qualified to purchase a new home loan, now I can never qualify again even for any kind of auto installment loan, becaus honda financial services division completely deleted all of my previous payment history completely and forever! 
PLEASE ACCEPT THESE STATEMENTS AS MY DECLARATION AND PLEASE INVESTIGATE ALL OF MY COMPLAINTS, THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to my dispute with TransUnion credit report they refuse to provide me with copy of all fraudulent activity that was on my credit report an due my understanding supposed been reimbursed me need a copy of that old credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX was on there holding back cause me file civil action lawsuits
Product: Debt collection

I mived out of my apartment. I always paid rent on time as agreed. When we moved they kept the security deposit and then they came out of nowhere saying I owe them an additional {$2000.00} I just plain and simple don't owe them this. They are trying to take it to collections and threatening my credit and my livelihood. They have no legal grounds, I have never acknowledged that I owe them this. I was informed by a debt collector.
Product: Student loan

In 2000 I attended a XXXX in Pa. The School is no longer and I the Sallie Mae loan was the lender the school was using. The loan has gone into default I can afford to pay the loan or the interest Sallie Mae is asking. What can I do to settle this issue?
Product: Mortgage

I would like to file a complaint. I have received several letters via Certified Mail from NationStar Mortgage stating that I could opt to have a face to face meeting with a representative to discuss options concerning my loan. I have made more than several attempts to set up this face to face meeting for the last month and a half at least. I have received nothing but the run around from each person that I talk to. Someone was supposed to email me, and then someone was going to call me, but I have yet to hear back from anyone regarding my calls to set up the meeting. 

I get different responses from your Representatives from, " We do n't do that '', to " I have never heard of it. '' I read them the letter that I received and had to sign from coming out of the Texas office. The representatives all need to be on the same page. Does n't look good for the business when the information being given does not match going from person to person in the office. 

If no one is going to actually set up the face to face meeting and it is not an option, STOP SENDING ME CERTIFIED MAIL TELLING ME TO CALL TO SET ONE UP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Product: Debt collection

I have redlined areas in the attached XX/XX/XXXX and XX/XX/XXXX correspondence from Discover. In the XX/XX/XXXX letter, Discover advised you were advised concerning your requests for call transcripts and bank account information from your XX/XX/XXXX, CFPB correspondence, that we will not be providing this requested information. This protects Discover to make the following statements below. 
Also in the letter, Discover claims the returned payments to be valid. This is a false statement. They were not valid payments since I did not approve nor make payments. In the XX/XX/XXXX letter, Discover claims due to your financial institution advising they were unable to locate the bank account ending XXXX. These are also false statements. This was not my financial institution. 
Discover is making false statements in line with their refusal to supply the bank account information and transcripts.
Product: Debt collection

I am writing to formally dispute a collection account reported by LVNV Funding under the name XXXX XXXX XXXX XXXX XXXX. Below are the details of the account in question : Creditor Name : LVNV Funding Account Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Amount Owed : {$2200.00} I believe this account to be fraudulent, as I have no knowledge of this debt and have not authorized any such activity. As such, I am requesting full validation of this debt, including : Documentation that verifies the origin of this debt. 

A complete transaction history is associated with this account. 

Any agreements or contracts that bear my signature or consent. 

Please treat this as a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ). Until this matter is resolved, I request that all collection efforts cease and that this account not be reported to any credit bureaus. If this account has already been reported, I demand its immediate removal until the dispute is resolved. 

Best regards, XXXX