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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX WASXXXX 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 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
Product: Mortgage

Hello, This is my second time submitting complaint about XXXX XXXX XXXX. 
Back in XXXX we submitted loss mitigation hardship application to XXXX. Application was submitted on request from XXXX. XXXX rejected the hardship the words from XXXX repserventive he looked up the home prices in our area and saw our area people were not up side down on there mortgages like most of the country at the time. 

This is unfair we were not looking to sell we submitted the loss mitigation to keep our children in the home they grew up on. 
XXXX our credit was bad low XXXX because of the delinquency loan that XXXX did not approve in XXXX. We decided to sell in XXXX to get out from under the debt. We went back to XXXX told them we were selling and could they help? XXXX requested loss mitigation again and we submitted another W2 tax returns bank statements and letter explaining how we were moving over seas back to where we came from and take employment in XXXX. XXXX rejected loss mitigation again and said if we gave them a XXXX less than what was owned the home would go to short sale and this will slow your process to sell. We never got any letter explaining why the two loss mitigations were rejected. XXXX have now got a law firm blocking us from communicating. 

We have reported the lawyer to her state bar grievance board as she informed us our files were destroyed after the home sold. We have our files because the law firm was not been truthful. 
XXXX responded back to the CFPB this year saying they did not do loan modifications, CFPB there is a copy of this letter here for your records. 
I asked the lawyer last week for copy of my rejection letters no response. 

Also the lawyer that is representing XXXX said XXXX associates did not feel safe in there office after i said i would come to there office to pick up my files. 
I did say this but never made any threats. XXXX would be calling local authorities if they felt unsafe and not a lawyer. 
XXXX you are not been fair here that is why CFPB has been contacted. 

Respectfully. 

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

There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. Trans union found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and XXXX  fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act XXXX FCRA XXXX.
Product: Checking or savings account

For instance, recently I paid a purchase on XX/XX/XXXX from and I had got paid that day as well. My Navy Federal account stand at XXXX that morning therefore I did my XXXX shopping. My total at XXXX came to {$300.00} I believe which I had the money to cover and yet Navy Federal charges me on the XXXX of XXXX with an OOPS overdraft fee of {$20.00} because they broke the payment down into two payments of {$190.00}.

Due to Navy Federal late charges I am being charged {$20.00} multiple times a week when I have the money in my account. From my understanding I thought I had 30 days from the date of the first charge to bring my account positive and they dont allow that to happen.

I can show that Navy Federal still charges me for fees when I was having three pending payments in one week and I am enrolled in early release funds on direct deposit and yet I am charged {$20.00} for OOPS fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all XXXX  of my credit report, that I did not approve of. ( inquiries Below ) XXXX XXXX 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/202XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new Lender being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

My student loan balance was forgiven through PSLF and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct XXXX to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my fourth written request and final warning that I fully intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX16 and Section 617 regarding your continued willful and negligent noncompliance. 
Experian is the company that reported the unauthorized, invalid, and fraudulent account on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the documentary evidence, and verify the information reported on the credit report is mine and correct. In the results of your first investigation, you stated in writing that the disputed account was valid and reported accurately. You are violating the FCRA because I have not signed any documents to acquire credit from the account noted on my credit report. Thus, the account was made without my authorization and for no legitimate business purposes. 
Please also be advised that I have also contacted the following company. Since they have no proof of this account being mines, written or verbal, I ask that you delete the video unauthorized & invalid account from my credit report immediately. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Univariable Information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 
IMPORTANT : The following credit account is not mines. Please reinvestigate this matter and delete the disputed items as soon as possible, before I am forced to take legal action against your company. The law is very clear as to the civil liability and the remedy available to me ( 15 U.S.C. 1681 et seq. ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA The account that I am requesting to have removed is the following 1. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a follow up to complaint XXXX and XXXX. My name is XXXX XXXX XXXX social ending in XXXX. Please note got a email from XXXX XXXX XXXX XXXX representing LNLV Funding stating this isnt my debt and that they arent suing me. please find the letter attached. My added complaint is that even after recognizing this is not my debt they are refusing to still refusing to withdraw the lawsuit they summons me for at my home at XXXX XXXX XXXX XXXX Illinois XXXX. I have told them there is no XXXX XXXX but myself that has ever lived here. I am very concerned that they are going to try to get a default judgement by refusing to cancel the lawsuit. Please note they had no DOB OR SSN or middle initial on the summons. This is a different person with the same first and last name as mine. please help asap the court date is XX/XX/22 docket number XXXX and XXXX. THIS IS THE SAME CASE BUT THEYRE LISTING TO MANY ZEROES. Please help ASAP. They illlegally served me for what belongs someone else.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documents to Experian disputing fraudulent accounts on my credit report, which were opened without my knowledge or consent. Despite this, Experian has failed to remove or block the fraudulent accounts, violating the Fair Credit Reporting Act ( FCRA ) and causing financial and reputational damage as I am unable to use my credit as desired. 

Timeline of Actions : XX/XX/year> : Submitted a packet to Experian, including : -SEC report -Request for GAAP-compliant verification of disputed accounts -Police report documenting the fraud -Proof of identity ( ID, Social Security card, utility bill ) XX/XX/year> : Experian refused to block the fraudulent accounts, citing various reasons such as an error in my request or that I knowingly benefited from the transactions. 

XX/XX/year> : Resubmitted documentation, including a formal FTC Identity Theft Report. 

XX/XX/year> : Experian refused again, claiming the police report was not valid proof, despite it including the officers name, badge number, and incident number. 
Details of Experians Violations : Failure to Comply with FCRA : Experian failed to block or remove the fraudulent accounts after all necessary documents ( police report, FTC report ) were provided. 
No GAAP Verification : Experian didnt request or provide GAAP-compliant verification, relying solely on creditor-furnished information.

Bias & Conflict of Interest : Experian prioritized creditor relationships over consumer rights, violating due process.

Documents Sent to Experian : -Police Report ( Incident # XXXX ) -FTC Identity Theft Report -Proof of Identity and Address ( ID, Social Security card, utility bill ) -Consumer Statement ( inquiries, addresses, accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX, XXXX__Experian. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Product: Credit reporting or other personal consumer reports

the following hard inquiries are on my credit report due to fraud. My identity was stolen. According to USC 605B, requires CRA 's to block reporting information due to a result of identity theft. Please delete the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to USC 605B, my right are being violated as this is not my address and Ive asked 10000000 times to remove it : remove - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *this is my only address* Please add my employer. I've asked 100000 times to update my profile ith accurate information : Employer : XXXX
Product: Debt collection

American Coradius International LLC is requesting payment for a debt to XXXX. All purchases are immediately paid and my business has no debts with XXXX. This is clearly a scam.
Product: Credit card or prepaid card

I received a Netspend Mastercard in the mail. I never applied for this. Since then my checking/Debit Card and XXXX Credit Card has been hacked. I tried calling the phone numbers for this Netspend but have been unable to get in contact with anyone for further information. I do not and did not open this accout.
Product: Student loan

I have sent my employer certification numerous times, Ive also asked Mohela if they received it, and keep getting the canned message that does not even remotely answer the question. 

I want to know if they successfully received my employment verification and would like to know when will it be processed. 

Also I want to know if they have processed any waivers for my account. 
Mohela is hands-down one of the worst companies, as far as customer service.
Product: Checking or savings account

On Monday XXXX XXXX I received an email from credit karma about mt account and debit card that I thought I lost. I than transferred from {$100.00} from my XXXX account tnuto my credit karma account. On Saturday XXXX XXXX I called XXXX and found out that credit karma had taken all the money out of my XXXX account I put a stop payment on my account right away. I tried to get a hold of credit karma and could not find a number to call them. I did find out that they are located in XXXX & XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, as my sixth attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX PM I attempted to use my Chime debit card with XXXX to get a ride back to my hotel and the transaction was blocked 3 times by their security app asking me if it was me making the transaction. This prompted me to call customer service. Looking up their number on XXXX and clicking the link caused me to dial a scammer which I didn ; t know right away. 

I spoke to the scammer agent who got me to install anydesk then got on my phone claiming I had to " connect to their server '' to resolve the Chime security app issue. The agent then proceeded to " test '' my debit card by using the pay anyone feature of the Chime app to send {$340.00} twice to XXXX then another {$140.00} to XXXX. 

After arguing with the scammer and hanging up, the scammer called me back and their caller ID was set to show up as the correct number for Chime support. He was trying to steal more from me! I reset my phone and reported this to the real Chime support immediately and raised dispute number XXXX. I presented evidence to the effect that their security app failed to block the larger transactions although it repeatedly blocked transactions I made which were to reputable merchants and for under {$30.00}. 
Furthermore, Chime uses the same app to send 2 step security login codes which include their customer service number but the " transaction '' security warnings fail to include their customer service number. I pointed this out to them. 

Had their security app worked correctly, blocked these unquestionably suspicious transactions AND included their customer service number as with the security codes this would have been prevented. The scammers are still today operating under XXXX and answering as Chime customer support. 

I have filed two rebuttals with Chime under the same claim, both of which were denied. Their security app makes it difficult for me to use my account at critical moments yet allows scammers to remove large sums of money from my account easily. 

I'm asking for a refund of my lost {$870.00} under regulation E.
Product: Credit card or prepaid card

someone has been trying to open up credit cards and loan accounts in my name using my old address