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

Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made. 

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Student loan

I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to my local grocery store one I have written checks for over 500 times never once has any bounced today they denied my purchase for code 2 saying it was an error and no it wouldnt reverse it decision. I tried to speak with someone more in charge was told there wasnt anyone called back and was hung up on. Called back again and was told it was because I bounced a check with the grocery store which I have never done. Given complete run around and hung up on again
Product: Credit reporting, credit repair services, or other personal consumer reports

The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

We sent money through Cash app to someone claiming they were puppy breeders to purchase a puppy. The man said his name was XXXX. The puppy was never sent and they have denied our request for a refund. His phone number is XXXX. The user name we sent the money to was XXXX XXXX and the account is still active, cash app has not even suspended the account.
Product: Credit reporting

XXXX XXXX XXXX falsely reporting on my credit report on the property are living in and XXXX mortgage has never filed ever with the credit companies. And this is the reason why they have n't reported on this issue because the know the paperwork on this house is improper and are refusing to correct the problem or investigate this issue. So apparently it is legal to file a deed of assignment on a terminated remic years later according to them and the CFPB, HUD, FBI, the mortgage companies etc. And I guess identity fraud is legal to? And have the this info sent to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I hv sent payoff letters from XXXX XXXX to XXXX and Experian and they continue to claim information on report is verified
Product: Debt collection

XXXX XXXX is trying to bill me for a service I no longer have. I had an auto insurance policy from XX/XX/XXXX to XXXX. When time of renewal occurred I did not pay for the new policy that was to cover XX/XX/XXXX to XX/XX/XXXX. I decided to go to a new insurance provider which is XXXX. Now XXXX has a collection notice for a bill of {$67.00} that they said I owed for a service I never used to requested for. There is no monetary exchange for a renewal of the policy so I shouldn't have coverage for the time they billed me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 separate incidents. Both involving XXXX. 1st incident I applied for a credit card and was denied. On the denial form the credit card company stated that they used my XXXX credit score to make their decision, and the credit score they were provided by XXXX was an inaccurate XXXX  credit score. The score they provided was a XXXX and listed as my XXXX credit score, which was actually a XXXX, so they reported a inaccurate credit score XXXX less than my true XXXX  credit score. They provided a lower inaccurate credit score and that lower score caused me to be denied credit from XXXX XXXXThen the 2nd incident I applied for a auto refinance and was denied. The reason for denial was that they said I had a credit freeze, which is not true. So now I'm stuck with 2 hard inquiries. Also on the auto refinance the website states there wouldn't be a hard inquiry since they just needed basic info to connect me to a lender, yet they did a hard inquiry anyways. I would've never submitted my info if I knew they would do a hard inquiry. On my credit report that inquiry that i did not approve is listed as XXXX. The other incident is listed as XXXX XXXX on my credit report. I contacted XXXX  and told them the information they provided to XXXX  XXXX was inaccurate which resulted in me being denied credit.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions.

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Money transfer, virtual currency, or money service

My bank PNC makes it impossible to connect my XXXX app account. Its getting annoying trying to reconnect every time I log on and 95 % of the time it wont reconnect for some strange reason and I would very much like this taken care of. Thank you for your time.
Product: Debt collection

I'm being harassed by XXXX companies I never did business with. Both companies are has threaten me. There are XXXX amounts XXXX is for {$1100.00} I have sent letters out to all the credit bureaus and nothing has changed. Second amount is for {$3500.00} again same situation and nothing has changed. Both accounts has been sold to companies I have no business or contracts with and now I see both companies on my credit.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX. it says XXXX XXXX blocked my round ups from going to my account. I've tried contacting customer service & I'm told " that they have nothing to do with it. '' Looking for answers ... 
thank you
Product: Credit card or prepaid card

This is a complaint on the Costco Anywhere Visa credit card company. On XX/XX/XXXX2023 my authorized user and I reported fraudulent charges that had been piling up since XX/XX/XXXX2023 up until XX/XX/XXXX. These small transactions between {$1.00} and {$30.00} amounted to hundreds of dollars since there were about 50 fraudulent transactions in total. My authorized user, handed the card over to me because she was confused how these transactions happened since she still had the card. In the following days of her giving me the card and me locking the card myself ( because the XXXX Bank representative said she would close the account on her end, but in fact did not do so ) many more transactions were attempted. This time in amounts of {$200.00} and {$100.00}. I received about 20 of these emails while I was at work, with the card on hand, in a different city. 

I called the company once again on XX/XX/XXXX23 to get an update, the representative said there were notes on the account and there was an ongoing investigation. This time I asked if it took some time for the account to be closed because the last representative had told me she would take care of it and send me a new card, but the app didn't reflect that and I had not yet received a new card. She said that had not been done and she would do it right away. I asked her to send me a confirmation email this time, which she did. It is beyond me why it wasn't done properly the first time. Maybe to let them continue to rack up charges and deem me responsible for them. 

Today XX/XX/XXXX I called again because the phone app dispute center had documented that XXXX found me responsible saying I had the card on hand and since the transactions were made by chip, not magnetic stripe, it was " 100 % impossible '' it was fraud because chips can not be hacked. I asked her if there was any other proof they had, such as cameras at the locations these transactions were made, and she said no. I requested them to resubmit the dispute and investigate further with cameras because neither me or my authorized user were in that area at the time and that would easily prove it. She said that it was at the merchant 's discretion and she wasn't sure that would happen. 

They are currently charging me hundreds of dollars that I don't have as a minimum payment due XX/XX/XXXX2023 for these charges that are not mine after mishandling the dispute from the beginning. They are refusing to work with me on acquiring more evidence, which would clearly prove it wasn't an authorized user making these transactions. They have not given me any documentation to prove that all transactions were made on the chip and not the magnetic stripe and are saying there is nothing they can send me regarding that. 

The worst part is there are multiple methods of proving these are fraudulent charges and they are not doing a thorough job to figure it out. The last representative I spoke to said she would resubmit the dispute. After I asked her to note down I would be filing a complaint with the CFPB, she told me, " You can do whatever you want, and I'll resubmit the dispute, but it won't change ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # 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 my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH FTC, I HAVE WRITTEN THE XXXX   SEVERAL TIMES, I HAVE REACHED OUT TO MACY 'S AT LEAST 6 TIMES ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian enrolled me in a credit monitoring service without my knowledge after I froze my credit. No notification was sent to me and no resolution has happened after multiple attempts to get them to cancel.
Product: Credit reporting or other personal consumer reports

An unrecognized, possibly fraudulent account has been added to my credit report by Midland Credit Management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. The account is a XXXX XXXX XXXX card with a balance due of {$1500.00}. I dispute that this debt is mine and that it is within the valid time frame to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XX/XX/XXXX amount {$2100.00} dispute filed ), XXXX XXXX XXXX ( XX/XX/XXXX amount {$26000.00} dispute filed ), XXXX XXXX ( XX/XX/XXXX amount {$120.00} dispute filed ) 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 my written instructions.
Product: Credit reporting or other personal consumer reports

THIS IS IDENTITY THEFT. I DID NOT AUTHORIZE THIS INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim sent po report inaccurate information sent all the violation to Transunion, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened bank accounts that I didnt authorize. They both have over a {$700.00} balance on them.
Product: Mortgage

My husband and I tried to do a simple refinance in XXXX 2016 with Wells Fargo bank. We have been long time customers of the bank with outstanding credit ( over XXXX score for each of us ). We were asked to submit documents multiple times for the refinance and sometimes the 'online portal ' was not working correctly, so we were encouraged to 'just email ' it to our team of refinance people ( XXXX XXXX , XXXX XXXX , and the underwriter ). As we all know, email is notoriously unsafe for the transmittal of sensitive documents. Prior to my husband and I completely pulling out of the refinance process due to Wells Fargo 's inability to complete the simple paperwork, I came across an email that showed that our home appraisal was SHARED with a couple in XXXX by the name of 'Powers ' which closely resembles our name 'Bowers ' , but only if you can not read. We came to find out that personal information was not only transmitted over email, but shared with complete strangers who 's name happened to sound the same as ours. We have since opened up another refinance with our local bank ( XXXX ) and the process is going smoothly. I have requested our appraisal fee to be refunded, but so far Wells Fargo REFUSES to give us back that lost {$350.00}. We had to come out of pocket for another appraisal with our new application with XXXX. I strongly feel that Wells Fargo should refund our appraisal fee ( at a minimum! ) for the way their refinance team handled our simple refinance. Thank you. XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately
Product: Debt collection

Received a collection notice from Synerprise Consulting Services collecting for XXXX XXXX XXXX. I do not owe this company money. XXXX XXXX is trying to collect on a a debt that I do not owe. I was first contacted by XXXX XXXX 's more than a year after XXXX XXXX XXXX had previously written off a bill. The XXXX rep, confirmed on a XXXX way call with XXXX that this account had previously been written off by the original owner, XXXX XXXX XXXX. It was confirmed at that time that I do not owe XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information.This allowance is a violation of my rights and privacy. 

Said inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loan is an XXXX loan. I was just told for the first time today XXXX/XXXX/16 that there is a guarantor XXXX that is keeping me from being able to do a cash modification because my income has been greatly reduced and I am currently on short term XXXX and I 'm not sure when/if I will be released to go back to work. I was shocked of this news and very upset that I had never been told of the guarantor b/c I have tried to get lower payments in the past and was turned down. I do not want these to go into default I 've exhausted all avenues and talked with many reps from Mohela all of my loans total XXXX monthly that 's for XXXX XXXX Loans and XXXX Cash loans. There was also a change on my credit report showing XXXX Mohela accounts were added and XXXX were removed which looks sketchy and of course nobody could tell me anything about. I can upload screen shots of it if needed for explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above accounts.