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

The Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID & The signed Power of Attorney document Would you Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly because this is hindering my ability to take care of my family. 

Thank You.
Product: Debt collection

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, BANK OF AMERICA XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for information on my credit report which doesnt belong to me as well as a police report and a report filed online. The information was not fixed. However, my current wife s name and information for which we share jointly was deleted from my EXPERIAN CREDIT REPORT resulting in a NEGATIVE IMPACT on my credit report. Can you please fix this. My spouse is XXXX XXXX. 
Thanks
Product: Student loan

Greetings, I applied for a new XXXX plan on XX/XX/year>. Mohela told me with a letter on XX/XX/year> that they received my application ( almost a month later ). 

I then inquired about the status of the application since it had been over 30 days since I submitted the application. 

In response, Mohela sent me the following on XX/XX/year> : " Our records indicate your IDR application was received on XX/XX/year>. You will be notified after the application is processed, applied and affective on your account. Borrowers should expect a lengthy delay in the processing of applications. Further communication will be provided as this develops. '' This is extremely problematic as it's delaying my ability to make payments as I am working towards XXXX XXXX XXXX XXXX. Each month that this application isn't processed is further delaying my ability to reach my goal of 120 months. 

Furthermore, according to studentaid.gov, " if servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or IDR until their application is processed. Interest will not accrue in this general forbearance. '' Please put me into processing forbearance if you are unable to process my application within a timely manner or please process and update my application.
Product: Mortgage

In XXXX and XXXX I used the COVID assistance provided by the company to help us stay caught up on payments. My wife is an XXXX XXXX The summer after COVID started, she lost her summer courses and then winter courses as well. We used the COVID assistance to help us get back on track each year ( and hopefully permanently ) with modifications to the mortgage. When I needed the same help at the beginning of this year, I was denied due to the allotment of time was used up. However, when I checked my records, it looks like we only used the program for XXXX  months ( only showing XXXX months on credit report ) but XXXX months were supposed to be available. The company refused to allow any assistance without modification at that point. If we had been allowed to use the remaining months of the program, I wouldnt currently have any late payments. I tried to reach out to the company to find out why we were denied but was just told theres nothing they can do. Ive yet to receive information on the number of months we used the program. 
Now, were trying to purchase a home but getting denied due to recent late payments. I would just like proof all XXXX months were used and if not, be granted the forbearance period for XXXX and XXXX ( the months late were actually XXXX and XXXX but they refused to fix that as well ). Since the company is flat out willing to work with me, I have no choice.
Product: Bank account or service

About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.
Product: Checking or savings account

I had previously had a fraud alert on my debit card on XX/XX/23 and my card was restricted/closed. 
However on XX/XX/23 I received a phone call in the evening at my home from a man stating he was from XXXX  XXXX XXXX. The number was registered as such. They told me while fraud had been caught the day before, that Zelle transfers had been done on my account and they needed to walk me through reversing them. I was freaked out and I trusted the info and number assuming it was my bank. So much so that I stupidly did what they said to do. Not realizing at the time that I just transferred funds TO them. 
After the call was disconnected, I thought about things and validated info in my activity and then realized something was wrong. 
I immediately contacted XXXX and after waiting on hold for 45mins, finally reached someone. 
XXXX fraud told me that no that was not XXXX Fraud calling me. 

I filed the report with them and they are working on it. I tried to contact Zelle on their 24/7 # but that number is NOT 24/7! 
XXXX said the fraud mobile # account was linked to a XXXX account. They said that it takes time, or its hard to get funds from a Zelle transfer. 

This is terrifying. I am XXXX old and just lost my paycheck funds to pay my mortgage. I have an adult XXXX XXXX  son who is under my care and my husband is XXXX old! We are on a tight budget and I do everything I can to protect our financial lives. So to have someone literally fake my Bank and from their number, is horrifying! 
I've only used Zelle a couple times to pay my other son, and only on my bank login, so I am not that savvy on what Zelle can, or cant do. 
Please help us stop this kind of thievery! 

Zelle should not be allowing these kinds of accounts access and XXXX should really be working harder to block fake calls. 
Luckily I printed and screen shot the info they told me was for a reverse charge, so the mobile number its registered to may be able to help. 
Though XXXX said it's likely someone elses ID they used for the theft. 

What terrifies me is that XXXX already had a fraud on my card. 
If this issue of scamming is so prevalent, why did no one from Fraud contact me ahead of time to warn me about this kind of stuff? 
And what about Zelle? If people are getting scammed like this, as seems to be the case, WHY is Zelle not doing more to protect people and stop these fraudsters from using their network? 
Zelle should have some kind of waiting period of transfers, especially when they are large! 

Someone managed to steal my card and then figure out what my private home number was. How did they also use a XXXX phone number? 
They called from XXXX that links to XXXX XXXX 
This has to stop! 
I am now scrambling to find a way to pay my mortgage because these fraudsters scammed this poor mom out of her paycheck!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate information. This XXXX  XXXX XXXX account and XXXX XXXX XXXX is not mines and needs to be Deleted off my credit report.
Product: Debt collection

The first date of delinquency reported by the original creditor was XX/XX/16. Portfolio recovery illegally re-aged this outdated debt damaging my credit {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

citi bank is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to citi several times and received NO reply from them at al ....
Product: Debt collection

In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX union listed an overdraft on my credit report as a charge off. I noticed that the charge off was listed on my credit report in XXXX, 1 year after the account had been closed. I emailed the bank XX/XX/XXXX and spoke with the bank manager and she told me that since the amount was under {$500.00} that they do not report to any of the bureaus, however it was still showing up on my credit report. Specifically, it was appearing on my XXXX report. The bank manager then told me that the chargeoff was reporting paid in full and she was informed that XXXX supposedly didn't report th charge and it somehow happened automatically. I told her I would check to see if it would be removed and it wasn't. 
I then sent a Goodwill Deletion letter to collections XX/XX/XXXX and they responded back saying they don't do those. 
That same month I then went into the physical branch to address the issue and the branch manager, ( different woman ) told me that there was nothing she could do and to just wait a few more years for it to fall off. 
Which is completely conflicting information from what the other branch manager informed me. I also got clarification that a deposit was made into the overdrawn account within a few days time before they report the overdraft. 
So I now have this negative remark on my credit over something that the credit supposedly doesn't report on and refuses to actually address. Credit unions are supposed to be better than regular banks but this experience show otherwise.
Product: Debt collection

I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.
Product: Vehicle loan or lease

I am a victim of identity theft, I have enclosed to Equifax that these loans was unauthorized by me from XXXX XXXX opened on XX/XX/year> and XX/XX/year> in the amount of XXXX and XXXX. I enclosed a copy of my identity theft report supporting this, yet they have yet to help in the situation. Also there were inquires that was unauthorized supported by my identity theft packet, XXXX  date XX/XX/year>, XXXX  date XX/XX/year>, XXXX XXXX  date XX/XX/year> and XXXX XXXX XXXX date XX/XX/year>.
Product: Debt collection

I have 2 complaints I am trying to fix my credit so I can establish my credit score and according to my report I was surprised to see 2negative reports because I dont have credit and capital one says I owe XXXX I have never had a credit card thru that company the acct number XXXX from MRS BPO I dont know where that charge came from but it was not me and then XXXX has just reported that I owe XXXX I dont have and never would sign up for XXXX I have XXXX XXXX for years someone has used my identity and fraudulently signed me up for these 2 acts that are not mine the acct number for XXXX is XXXX XXXX XXXX i have never had a phone from them And I never ever used that phone number my name is XXXX XXXX XXXX XXXX XXXX please I need XXXX off my credit report these are totally false acct in my name
Product: Prepaid card

I'm a huge advocate for my kids the XXXX that receive XXXX & I refuse to allow anyone to take advantage even this card company! On XX/XX/XXXX all the way up to XX/XX/XXXX my card was used for unauthorized transactions I was unable to get into my Direct Express account due to Direct Express suspending my account because they realized fraudulent activities as well. I was finally able to speak to someone but it was the weekend and she took the suspension off and made notes about the unauthorized transactions. I turned in all required documentation required and still haven't received anything. When I call I get told I qualify for a provisional credit but there is no date or time frame they still have to approve it. This is ridiculous I am a single mother of XXXX kids XXXX in which receive XXXX due to them having a XXXX and I'm currently XXXX XXXX XXXX. I will continue to be an advocate for my kids!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my authorization, and I suspect they are the result of identity theft stemming from a data breach. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX XXXX NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting

Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX
Product: Student loan

I have 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX   and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX  bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.