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

I need this information fixed in my credit report. 

***************************************************************************************************** CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX FL XXXX ***************************************************************************************************** REMOVE the display reported CURRENT ADDRESS ( XXXX ) of XXXX XXXX XXXX XXXX XXXX, FL XXXX CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX FL XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

My wallet was stolen by someone I used to live with. He fraudulently used my XXXX  Driver 's License and Wells Fargo Credit Card at XXXX XXXX XXXX to cash advance {$6200.00}. It was used for four separate transactions at the casino. XX/XX/21 for {$310.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$2500.00}. 

I filed a police report and I have a detective on the case. I have messages from the person who took my wallet as well as other evidence to support my case. After getting denied multiple times from Wells Fargo Credit Card Claims, I have gotten in touch with the casino myself and have found out that Wells Fargo Credit Card Claims lied about reaching out to the casino to get video surveillance footage. 

Wells Fargo has been denying my case for the last XXXX  months with one blanket response, " the casino verified my identity because my driver 's license was presented. '' They have ignored all evidence I have sent them, they have lied about reaching out to the casino themselves, and they haven't reached out to the detective regarding the case. 
I talked to the head of security at XXXX. He said they would never tell a bank to reject a case because of an identity verification. Protocol is to have the person whos card and identity was stolen to file a police report and have the police reach out to the casino. Which I have now done. 

The charges have increased to over {$7000.00} now because of cash advance fees. My credit score has been ruined. This is all because of unfair mistreatment from Wells Fargo Credit Card Claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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 have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This company is providing an inaccurate information in my credit report. 
I had a Hard Inquiry from XXXX XXXX  XXXX XX/XX/year> I contact the company who provided this hard inquiry and they send a letter responding my answers. 
This hard inquiry is turn into a soft inquiry, but the bureau agency Experian havent change my information violating my rights under 15 U.S.C 1681s 2 ( A ) ( 1 ). 
I leave the letter below so you guys can identify the proof of my dispute. 

Thank you!
Product: Student loan

MOHELA refuses to provide a paper receipt per my many requests. I also requested the updated balance.

I learned early on MOHELA staff are extremely dishonest and rude. The ombudsman team are impotent and unwilling to help. They falsely claim they do not have my phone number and that the number they have is " disconnected. '' My phone number has not changed in THREE years. In addition when I filed a lengthy complaint with the Federal Student Aid help line they too confirmed that they have my phone number again UNCHANGED.

MOHELA asked that I put my request to pay down loan sequence 8 in writing. I did precisely that. In a letter dated XX/XX/XXXX they claim because my loan is in forbearance I can not direct my money to the loan of my choosing saying they are " unable to process the request due to your loan status of Forbearance '' which they were aware of when they instructed me to put my " Standing Payment Instructions '' in writing. It is noteworthy that this denial came after I filed my initial Consumer affairs complaint. Prior to the complaint MOHELA were willing to allocate my money to the loan of my choosing so this is clearly retaliatory.

In the third paragraph MOHELA claim my request to disburse my money in accordance to how I want to pay my debt is denied. Then in the fourth paragraph it says " A request has been submitted to reapply your XX/XX/XXXX payment in the amount of {$400.00} and XX/XX/XXXX payment in the amount of {$200.00} to loan sequence 8. You may request to have future payments reapplied to loan sequence 8 in writing by calling MOHELA. '' That paragraph contradicts the one prior. Which reads " MOHELA has received your Standing Payment Instructions but is unable to process the request due to your current loan status of Forbearance. '' Clarification is needed.

I encourage all Students new and old to file complaints with FSA and Consumerfianance.gov if they experience any push back from MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX XXXX : Account numberXXXX  XXXX XXXX XXXX XXXX : Account XXXX  XXXXXXXX XXXX  XXXX : Account XXXX  XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 an alleged identity theft. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

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

I NOTICE THREE COLLECTIONS FROM HMC GROUP ON XX/XX/2020, SO I RESPOND IT TO THEM ON XX/XX/2020 REGARDING THE ALLEGED DEBTS OF : XXXX, AND XXXX THAT I DON'T OWE.I HAVEN'T RECEIVED ANYTHING AS OF YET AND I HAVE ATTACHED A COPY OF THE LETTERS BELOW.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion, and XXXX for allowing incorrect reporting by XXXX. XXXX regarding my mortgage account ( Account XXXX : XXXX ). My loan, transferred from XXXX, was in an active forbearance due to hardship and hurricane impact. Despite this, XXXX. XXXX reported my payments as XXXX days late, which was reflected in all three credit bureaus. 

Key Facts : My forbearance agreement with XXXX ensured my account would not be reported as delinquent during the forbearance period. 
XXXX XXXX 's late reporting contradicts the guidelines under the FCRA for accounts in forbearance due to financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in shock that I have recently been the victim of identity theft for quite some time after reviewing my report it has gone on over a year. Someone has tried getting accounts in my name and I suspect it was a former person that lived with me but I am still sorting through the evidence. Thankfully I have not yet found any accounts that were actually opened and I am notifying everyone as the instructions on the attorney website explained and attaching three forms of ID also and following all instructions. The following is the list of inquiries I copied and pasted directly from the credit report minus accounts that are mine and I applied for. Also attached is the FTC report as well. Please not on the identity theft affidavit I accidently hit South Carolina as the state and it is supposed to be North Carolina my mouse must have changed it when I scrolled down and this address matched all my ID 's. Thank you. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Receiving multiple charges I did not authorize from this company. They are re-charging my card multiple times. Unable to pay bills now and etc. I removed my accounts from their website and I still received the charges. 

On XX/XX/XXXX a {$510.00} charge I did not authorize from this company.

On XX/XX/XXXX a {$200.00} charge I did not authorize from this company. 

Again, I did not authorize these charges. I am not alone in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

XX/XX/20 received collection letter from XXXX XXXX, for XXXX XXXX XXXX   XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through Rausch Sturm on XX/XX/20 in the amount of XXXX. 
this account stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. 
I contacted XXXX  XXXX, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with rausch sturm. They told me to contact rausch sturm, which i did. They show it as paid!!! They do not know why it wasnt reported back to XXXX  XXXX, and said they would send it to the back office, so XXXX   XXXX  is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked rausch sturm how is it that XXXX  XXXX  is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!
Product: Checking or savings account

In XXXX of 2023 my debit card was charged 11 times. I have finally been refunded all but one charge. I am still owed XXXX refund / reimbursement of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name. is XXXX XXXX XXXX. I am reaching out. today. to have the following negative items removed from my credit report. The items I need. removed are listed. in the report attached. I have notified the companies. that I. did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal Trade commission and I also attached copies of my federal trade commissions identity theft affidavit. Please remove these items as soon as possible.
Product: Mortgage

On the XXXX of XX/XX/XXXX, I had emailed my completed Freedom Mortgage a Loan Modification Application. On XX/XX/XXXX I contacted my mortgage company to resolve my passed due payments. I spoke to worker ID # XXXX ( I will provide name later ) and requested assistance for options on keeping my home. He explained different plans available. I asked him if he was are of CAMortgage Relief Program process, which he replied with " You will not qualify for our plan/options to modify, if you apply with them. '' I become in a state of shock and felt shutdown. I nonetheless requested for the Loan Modification Application. In the meantime I was in a state of disbelief and did not know who to turn to as my own lender did not make me feel that I was able to confide in them due to the worker 's comment. 
Moving forward to XXXX XX/XX/XXXX I applied to the CAMortgage Relief Program. I did provide necessary documents and when I received the Notice of Sale of my home, contacted them and was able to upload my Letter. Not only would I keep checking my account for this application almost on a daily basis to check the status, but contacted CAMortgage to confirm that my Sale Letter was received. 
On XX/XX/XXXX I contacted CAMortgage Relief and was informed that my case was in review with Loss Mitigation. I also contacted a friend Realtor to assist in the matter. She listed my property for sale on XX/XX/XXXX. Realtor contacted Freedom Mortgage on same day and received contact information to send Listing Contract-which Lender states they never received documents. On XX/XX/XXXX Realtor contacted Freedom Mortgage again, with myself on three way, and informed the representative she had the passed due amount. Representative informed her there was nothing else we can do, again shutdown as to my requested assistance. Realtor was given contact information of Trustee and till this day have not contacted her. 
On XX/XX/XXXX my husband was in the front yard, I was on the telephone, and was approached by a man who identified himself as a bidder. I am not an attorney, but I do know that there must be a CA Section code prohibiting any person to disturb occupants during foreclosure. My husband is not on my Title and should have never been questioned. Our family feels violated by this. 
XXXX XXXX XXXX Day of Auction, I filed for Bankruptcy, which was emailed to Trustee by a legal representative. I have not received calls or any kind of contact from the Trustee or Lender. 
XX/XX/XXXX, I contacted Freedom Mortgage to request options again was informed by worker # XXXX, lender is not able to assist me. Again I do not have legal knowledge simply feel that more information should be provided to a debtor. I asked what more can I do, and was responded with Contact the Trustee. That information was given to me. At XXXX today I contacted the Trustee by phone and was informed to email my information to speak to a representative. Email was sent to Trustee at XXXX. I received an email at XXXX informing me of Sale and deadlines. 
Most importantly I am expressing that the event of my property is an Illegal Foreclosure Sale.
Product: Credit card or prepaid card

Attached is the letter inquring about the account and to even settle because I have been disputing Home Depot for almost two years. The final letter recieved stated they are no longer attempting the debt and was written off but it shows on my credit report as a balanced owed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. 

I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX 

According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. 
If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.