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

Subject : Second Complaint Regarding False Account - XXXX XXXX XXXX ( Identity Theft ) - Request for Monetary Relief Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit my second complaint regarding an ongoing issue with a false account opened in my name with XXXX XXXX XXXX, which is a result of identity theft. The details of this complaint reference my original case, Complaint # XXXX, and I have also previously submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ). XXXX XXXX And Transunion continue to violate my rights by continuing to report the false information Despite my initial report to you XXXX Transunion, which included the submission of the FTC report and documentation proving my identity theft, the issue remains unresolved. XXXX XXXX XXXX  continues to report the fraudulent account under my name, severely damaging my credit and causing significant financial hardship. This false account is not only a violation of my personal security but has led to tangible, lasting consequences. 

I am deeply disappointed by the lack of progress and the willful neglect displayed in addressing this matter. Every effort I have made to rectify this situation has been met with delays, non-responsiveness, or dismissals. I have been forced to invest an unreasonable amount of time and emotional energy into a problem that should have been resolved swiftly. 

As a result of the continued inaccuracies on my credit report and the associated financial harm, I am now seeking monetary relief for the damages caused. My financial well-being, credit score, and emotional health have all suffered significantly due to this issue, and I believe that it is only fair that I be compensated for these damages. 

I kindly request your immediate intervention to resolve this matter and hold XXXX XXXX XXXX  accountable for its failure to address the fraud, as well as the ongoing harm it has caused. I also request that you expedite the removal of this false account from my credit report. 

Thank you for your attention to this serious matter. I trust that the CFPB will take swift action to ensure that my rights are protected and that I am provided with the relief I am due. 

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

On XX/XX/2023, I sent over several letters to Transunion disputing inaccurate information that I discovered to be on my credit report costing me {$80.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements. I also ask that they send their written response to my home 's mailing address. 

As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law.
Product: Debt collection

Repeated emails from Portfolio Recovery after being told to stop and to send original creditor information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I went to the PNC bank on XX/XX/XXXX to deposit a check into my business account. The check was post dated for XX/XX/XXXX and therefore the teller instructed me that I can not deposit the check. I returned to the bank on XX/XX/XXXX and deposited the check along with another check into my Business account because it is a business account I am not able to cash checks I have to deposit them. XXXX days later on XX/XX/XXXX the bank deducted the amount of the check which was {$330.00} from my account and claimed it had already been deposited previously in XXXX but that was false. I have spoken with the branch manager, who filed the dispute on my behalf and the bank, denied the dispute with no reason provided. They are trying to claim that I cashed the check that day on XX/XX/XXXX but that does not make sense because it is a business account and that goes against their policy and the check was posted dated. There is no record of that happening in the accounts. I am filing this dispute because they are completely negligent, incompetent & careless In how they have handled this situation. I intend to take this to arbitration and or small Claims court. PNC blatantly stole money from account with no claims evidence or proof to justify there actions
Product: Vehicle loan or lease

XXXX I was a Wells Fargo customer, I had a regular checking account, I received what I thought was a check/ debit card a few months after I had opened a checking account, i assumed it was a mistake and they had sent me another XXXX debit card. I called and activated the card, and found out I had XXXX limit. Moving forward at that point I did use the card and I did pay it in time. The account was closed soon after, not by me but by someone in the credit dept, I had got a auto loan for a XXXX XXXX, it wasn't much, XXXX, when I went to sign up, my payment went from XXXX month to XXXX months, I wasn't good with that and was told to make the first payment and then they would redo the loan and get me where they said it would be originally, I went back after the 2nd payment to talk to the lady, she was no longer their, the man I spoke to told me he was sorry but couldn't help me, after several calls to that man, he left the branch also, I told them I wanted my original deal I was promised,, about 3 months later they came and took it in middle of the night. A them fees and all the credit card XXXX  XXXX they put me through was stupid. I put XXXX down on the XXXX and lost that and lost all the insurance I had at my expense that I paid Wells Fargo for. I will never so much a look at any XXXX of them shady places again to ever do business with. Every thing they told me was a lie, then to top it all off I was paying for a saving account I didn't agree to, and I business checking account that I was paying a charge that I didn't want of need. I didn't have a business at the time, I worked for someone and had direct deposit ever wk going to my account.
Product: Student loan

I initially had a standard repayment plan with a payment of {$450.00}. I thought that I would be able to use an IDR plan to lower my payment but because they only go out to 10 years my payment came back at $ XXXX and when I asked Mohela what happened, they reviewed my plan ( in less than two days ) and increased the payment to {$940.00} due to my income increasing. After many phone calls and finally getting clarification that IDR plans can only be done on 10 yr terms, I requested to be put back on the standard plan that I had initially or be placed on the Extended Graduated repayment plan. I submitted the form Mohela via their website on XX/XX/2024 and they confirmed receipt on XX/XX/2024 through their website 's email portal but they referenced me applying for an IDR which was incorrect. I thought representative just made a mistake but when I asked for an update on XX/XX/2024 I received a document titled Repayment Schedule Changed which still showed the {$940.00} payment over 10 years. The only thing that changed was the start and end dates which now match the Administrative Forbearance put in place while they reviewed my application for the Extended Graduated repayment plan. 
Followed up on XX/XX/2024 and was told that my IDR was approved on XX/XX/2024. I explained that this was incorrect and that I had applied for and submitted the form OMB No. XXXX requesting the Extended Graduated Repayment plan and that receipt was confirmed on XX/XX/2024. I was then told I would need to speak to a Resolution Specialist or Supervisor and got disconnected. I called back and waited on hold for approx. 45 min just to explain this all again as if there werent any notes on the account. Also please note that when I upload document via Mohelas website and follow up through the Documents you sent to us tab, none of the documents I submitted show up. They also refuse to discuss any terms via email, personal email nor their webmail, so there is no record of the statements being made over the phone. 
Additionally, I emailed a Mohela ombudsman on XX/XX/2024 and received one response stating the account had been assigned to a different ombudsman who would reach out. After not hearing back I emailed again on XX/XX/2024 and as of the date of this complaint, XX/XX/2024, have not heard back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nj XXXX XXXX XXXX XXXX XXXXXXXX balance is at XXXX 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 an account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

A Man XXXX called, XXXX XXXX XXXX XXXX XXXX ... we talked for several weeks about a loan transfer with no interest for the entirety of the balance, pay {$700.00} up front and then transfer for a interest free note. I got the paperwork and it is set for a 22.5 % rate!!! 
I did not agree to this. I have called Barclays many times trying to straughten this out. No relief. They have closed this acct. and are pusuing payment. I refused to pay until they gave me what I agreed upon. They say they do not know who offered this to me, I have been misinformed!
Product: Debt collection

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with Enterprise Recovery Systems which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to Enterprise Recovery system on XXXX if all debts were discharged on XXXX. Thus Enterprise Recovery Systems has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
Product: Credit card or prepaid card

See attatched USAA STATEMENTS OF TRANSACTIONS XXXX XX/XX/XXXX & XXXX XX/XX/XXXX DUPLICATE CHARGES. XX/XX/XXXX {$120.00} & XX/XX/XXXX {$120.00} XX/XX/XXXX {$210.00} & XX/XX/XXXX XX/XX/XXXX {$230.00} & XX/XX/XXXX {$230.00} {$52.00} XX/XX/XXXX & XX/XX/XXXX {$36.00} XX/XX/XXXX & {$36.00} XX/XX/XXXX {$25.00} XX/XX/XXXX $ {$25.00} XX/XX/XXXX {$25.00} XXXX XXXX & {$25.00} XX/XX/XXXX {$24.00} XX/XX/XXXX & {$24.00} XX/XX/XXXX {$17.00} XX/XX/XXXX & XX/XX/XXXX {$15.00} XX/XX/XXXX $ {$15.00} XX/XX/XXXX plus {$9.00} XXXX XXXX XXXX XXXX = ALL DUPLICATE XXXX XXXX TRANSACTIONS = TOTAL {$810.00} DUPLICATE TRANSACTIONS NEVER RESOLVED WHY?
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.
Product: Credit card

Experian XXXX and XXXX is reporting XXXX XXXX XXXX Account XXXX different times on my credit report please update immediately account is closed
Product: Credit reporting or other personal consumer reports

I am writing to provide additional information and request further assistance regarding my previous complaint filed with your organization ( Reference # XXXX ) concerning inaccurate and incomplete information provided by Lexis Nexis to the Credit Reporting Agencies ( CRAs ). Despite Lexis Nexis ' response, I continue to experience issues, and I believe there are further details that warrant your attention.

Lexis Nexis claimed that they were unable to authenticate my identity, initiating a dispute on my behalf. However, I want to clarify that Lexis Nexis already has my identification information on file, as evidenced by the attached documentation. Their contention that they do not issue tradelines but only resell information is not accurate. 
Additionally, I recently discovered that XXXX was not reporting any bankruptcy on my credit file until I filed a complaint with the CPFB on Lexis Nexis. Subsequently, XXXX began reporting the bankruptcy information. Enclosed with this letter, you will find documentation supporting this claim. 
I am formally requesting the removal of the bankruptcy information associated with case numbers XXXX and XXXX from my Lexis Nexis consumer report. I have obtained a letter from the Bankruptcy court explicitly stating that they do not provide information to the CRAs. That includes Lexis Nexis. This unequivocal statement serves as evidence of the inaccuracies and lack of verification in the information reported by Lexis Nexis. 
Furthermore, I request that Lexis Nexis delete any personal information from my consumer report, excluding the correct spelling of my name, current address, current telephone number, and current email address. As per the Fair Credit Reporting Act ( FCRA ) law, specifically 15 USC 1681i ( 5 ), Lexis Nexis has a duty to maintain accurate information in my consumer file. The inclusion of inaccurate bankruptcy information and the failure to verify my identity are clear violations of this statute. 
I assert my right to privacy and emphasize the importance of Lexis Nexis adhering to permissible purposes outlined in the FCRA. The inaccurate information has caused me significant distress and may adversely affect my creditworthiness. I kindly request your continued assistance in resolving this matter promptly and ensuring that Lexis Nexis rectifies the inaccuracies in my consumer report.

Enclosed with this letter, please find additional supporting documentation, including XXXX 's reporting changes and any information that may aid in the reinvestigation of this dispute. 
Thank you for your attention to this matter, and I appreciate your ongoing assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXXXXXX XXXX : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently included as a result of the breach, and I am exercising my right to have them removed. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. Chapter XXXX Bankruptcy XXXX XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} Additionally, I am requesting that the following fraudulent inquiry be blocked and deleted : Inquiry to be Blocked and Deleted : XXXX  O Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Prepaid card

I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.
Product: Money transfer, virtual currency, or money service

Im not sure how their cars even go on my XXXX pay account, I lost my NetSpend card that I very rarely use a while ago and had my personal bank card on there, but my son sent me {$50.00} XXXX  days ago on XXXX XXXX, I needed it badley for gas to get to work the next day. When I checked my bank account it wasn't there, I saw my bank card was no longer in there but a NetSpend card instead, I called and told NetSpend that my card was lost or stolen and needed them to transfer my money to another account because I badley needd it, first they said I had to order a new card and pay for it, then they said they would do it if I agreed to let them take XXXX out for a monthly fee payment, then they said they couldn't activate one of my other NetSpend cards I have, then they could, then they couldn't get it to activate and I'd have to buy a new one, then they could send it to my bank, then they couldn't, then they said in Friday, after I missed XXXX  days if work and spent XXXX hrs in the phone with them lying to me over and over and hanging up in me when I asked to speak with a supervisor, they promised Friday afternoon my money would be in my bank after they charged me XXXX for a transaction fee that was supposed to be free, that it be in my account and promised in 1 hr, then I get an email after they close in Saturday they need a picture of my ID card, my social sec card and mail with address, why? For a prepaid card I'm afraid they can now steak my identity these people are scammers and liars, now it's Sunday still no money I can't log into my account, they gave me blocked and have every piece of my ID, and I call and she hangs up on me yet again, I needed that money 5 days ago. It's cost me 2 days if work, and I am so stressed out and upset with being in the phone all day and getting hung up on and lied to, I just want my money, have been suffering for a year now with IRS identity theft and my bank account and financial set backs because of it I don't have extra money nor does my son who sent it to me, how can these people get away with this, I can't even understand what they are saying, and they don't seem to know aht they are doing, everytime I call there's yelling and screaming in the background like they are at a tavern I'm sure they can't hear me either, it's very unprofessional and now I am afraid they aren't going to protect my identity because they seem so uncaring and crazy. I am horrified I can't even sleep I'm so upset and worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.