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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding identity theft that has caused fraudulent student loans to be opened in my name without my consent. 

Recently, I discovered that someone used my personal information to open student loan accounts in my name. I did not apply for these loans, nor did I authorize anyone to do so. I was shocked and frustrated to find out that these loans were linked to my name, and I am worried about the long-term impact this will have on my credit and financial future. 

I have tried to address the issue by contacting the loan servicers and filing fraud alerts with the credit bureaus, but the process has been slow, and I am not getting the assistance I need. I am requesting that your office investigate this situation and help me resolve it as quickly as possible. 

Specifically, I am asking for : The fraudulent loans to be removed from my credit report. 
Assistance in clearing my name of any debt I did not incur. 
Help with getting the issue resolved with the loan servicers. 
I would appreciate any support or guidance your office can provide in addressing this situation and preventing further damage to my financial records. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my forth attempt connecting with LexisNexis in order to have false/inaccurate and unverified information ( bankruptcy ) removed from my credit report. According to the most recent dispute, LexisNexis stated, LexisNexis, however, is governed by the FCRA and in accordance with the requirements delineated in Section 611 of that statute. LexisNexis is stating that I failed to provide identifying information ( ID, social, address ), however they also failed to VERIFY my identity and the validity of the bankruptcy before adding the false/negative information to my report. Therefore, they are in VIOLATION of FCRA section 604 which states a Consumer Reporting Agency may furnish a consumer report, and as LexisNexis stated, they are NOT a consumer reporting agency. They are a DATA CORPORATION who has SOLD incorrect and defamatory information about me to third parties XXXX and XXXX.
Product: Mortgage

i did a refinance loan 15 years ago and had 9 loan servicers on this loan. i have reached out to them numerous times to straighten out my account. they just ignored me over the years. i had a baqnkruptcy in 2011 for XXXX in aarears and got kicked out the bankruptcy for missed payments. my lawyer didnt know i got paid twice a month as opposed to every two weeks. it took four plus years for it to show up. my lender tried to forclose. i had paid XXXX towards the arrears so i sent them a cashiers check for XXXX so they still said i owed the XXXX so i had to file a 2nd bankruptcy to wait for thier proof of claim. after 5 months they never sent in a proof of claim so i was stuck in another bankruptcy for three more years. when i completed the bankruptcy my wife inherited her mothers home and we tried to pay it off through my credit union and they still had the extra XXXX on the account. i provided them with all the proof and they ignored it. now last month they finally took the XXXX off. after 5 years 2 bankruptcies credit ruined wife had a XXXX and still giving me the run around. i have all the proof and a letter from shellpoint mortgage saying sorry for the incovience.
Product: Credit reporting or other personal consumer reports

I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from Equifax because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.
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 XXXXXXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

I was to close on my home on XXXX XXXX, XXXX. This did not happen because of my lender ( Mortgage Lenders of America ) lied about getting an appraisal done in which is paid {$480.00} on XXXX for this to be completed. Then When it was done, the closing was change to today XXXX XXXX. I received a call that friday ( XXXX XXXX ) stating that they needed the 2 page to my bank statement, which was a blank page. I sent the info to them that very day. They put me back in underwriting. My mortgage lender/broker, stated that the underwriter has no rush file because they only do 1 file per day. I have been without a home and they said i could close on XXXX XXXX. I just got a call today and stated that we are unable to close because i am 5th in queue. They are not sure I will even close on Wednesday. I have XXXX children. Mind you I paid my closing cost already {$10000.00}. I still have n't received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( TransUnion ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a loan with Prosper. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to XXXX, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at XXXX   and Prosper that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Prosper is also still reporting the account, even though I sent them everything legally required to have this blocked.
Product: Checking or savings account

I am a recent victim of a scam resulting in a loss of {$3900.00}. Bank of America routinely markets their commitment to protect consumers from fraud however they have failed to aid me in a way to help combat the individuals who are responsible for this fraudulent activity ( fraud case XXXX ). Not only are their operations disjointed but I have been subjected to egregious operating practices that has not aided me with furthering my complaints regulatory bodies that may be of assistance. I have also been subjected to bad customer service being transferred multiple times, disconnected on multiple occasions, and being placed on hold for hours on end.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates , LLC alleged account number XXXX, dated XX/XX/2022 with certified mail number XXXX XXXX XXXX XXXX XXXX, in which they received on XXXX XXXX, 2022 XXXX XXXX, VA XXXX according to the XXXX website. 

This Unverified account is causing extreme Financial hardship and XXXX. It is making it extremely difficult for me to acquire credit.
Product: Debt collection

I have reached out to the company NCA multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.
Product: Credit card

I have been a card member of American Express since 1980. Most recently I had a Gold Card and received some marketing material in the mail. It contained an offer to upgrade to a Premier Rewards Gold Card. It said I would get double points if I upgrade. There was a phone number contained within the marketing materials and I called to inquire. I was told by the representative that it would be just like the Gold Card but with double and in some instances XXXX points. 

I inquired that by upgrading, would I have the same benefits and the answer was definitely yes. What was not told, was that XXXX of my benefits, specifically, Pay over Time features ( Extended Payment Option, Sign & Travel and Select and Pay Later ) would not carry over and that I had on my Gold Card for many years.. 

After the first couple of monthly statements of the XXXX XXXX Gold Card, I noticed that my Pay over Time features did not carry over to the new card. I called on several occasions and I was told that XXXX XXXX Gold Card is a new account and you have to be " invited '' to be eligible for the Pay over Time features. What I do n't understand is what happened to my 36 years of being a loyal customer American Express Card Member. 

In my opinion, the conversion of my Gold Card to the XXXX XXXX Gold Card is basically is a bait and switch. I was asked to upgrade, but I was never told I would lose my Pay over Time benefits. American Express is now collecting a higher annual fee from me and I am receiving fewer benefits. 

On another call that I made to follow up again about the Pay over Time features, again I was told that I have to be '' invited ''. I asked the represenative how do I get " invited and he and subsequently his supervisor could not tell me how. Do you think this is fair treatment of a XXXX loyal customer of American Express? 

In subsequent months I have lost points awarded to my account. I could go on but it is obvious to me that American Express does n't care about its members. My membership has no privileges. 

.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA, it is EXPERIANs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN XXXX reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a " past due 30 days '' posted in XX/XX/XXXX and a " past due 30 days '' posted in XX/XX/XXXX. These are incorrect and supposed to be reported as CURRENT/TERMS MET. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Credit reporting or other personal consumer reports

Please delate inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Even though I had a credit freeze AND a fraud alert in place, TransUnion gave my information to XXXX which then used it to open a false account which was used to extend significant credit to an ID thief which still stands to this day. I have asked for an explanation before and I only got vague answers so I will be very specific and am requesting a response through the CFPB : 1 ) Why was my information give to XXXX as I had a credit freeze in place? 
2 ) Why was my information give to XXXX as I had a fraud alert in place? 
3 ) EXACTLY what was done as part of your " investigation '' into the XXXX account that caused you to side with them after I told you your information is wrong and absurd? 
4 ) When/If you are able to verify that XXXX opened a credit account for me with the information you provided, what will be done to make sure this does not happen again?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: 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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.
Product: Credit card

During a time of hardship, I reached out to my credit card company, Wells Fargo, to see if they could offer any assistance. I was referred to the collections department. Under advisement of the rep, the program entailed closing the account down and being put on a payment plan. They stated that I would have XXXX percent interest to help me through the hardship, which I agreed to do. Months later, I find out that they never honored the XXXX percent APR and gave me XXXX instead. Calling Wells Fargo back to have the matter corrected, they avidly denied ever offering me the XXXX percent and when asked if they could review their recordings, there were none available for that recording ( conveniently ). I am well aware that the collections department did help lower my interest from the original amount, but the reason I agreed to shut down the card was because of the XXXX percent interest. They blatantly lied to me and now there are no notations or recordings to substantiate the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Product: Checking or savings account

I received a text notification that my chime card was overdrawn on Wednesday XX/XX/XXXX. I knew this was incorrect because i was at an appointment and did not use my card. 5 fraudulent transactions were made at a gas station in a totally different state then what i live in. They were made at a XXXX XXXX XXXX XXXX station in XXXX New York, which i have never been. the transaction amounts are {$47.00}, {$100.00}, {$4.00}, {$100.00}, {$33.00}. The first fraudulent transaction of {$47.00} was made in XXXX NY the same time i was at a gas station near my home in XXXX MI that Wednesday at XXXX. i called chime to notify them of the transaction i did not authorize and they helped me file a dispute when they posted on XX/XX/XXXX. Not even 24 hours after i filled the dispute they denied it. I asked 3 times for a written reasoning why this would be denied since it is clearly fraud. to this day on XX/XX/XXXX i still have not yet received any information. I just called again today and no one was able to provide me explanation. I spoke with a supervisor and his suggestion was to call the merchant in a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies on my Equifax credit report, including incorrect late payments on several Department of Education accounts. I have noted discrepancies in the reporting of late payments compared to my XXXX report. I request that Equifax reinvestigate these inaccuracies. 

DEPT OF ED : Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
XXXX XXXX, XXXX : Account XXXX XXXX : Incorrectly listed as at least 120 days late, balance is {$0.00}. 
XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX Account from XXXX XXXX : Account # XXXX : Dispute validity of this debt. 
Unauthorized Inquiries : XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX  inquiries on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX. 
XXXX XXXX inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX.