23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am reporting The XXXXXXXX Family on behalf of my deceased father. XXXX XXXX is using our late father social security number. They 've stole my identity also, They 've changed my date of birth with XXXX, placed a seven year fraud alert on my credit file. My former employers have been changed fromXX/XX/XXXXAll of my former addresses have been changed. My late father name is XXXX XXXX he was a Veteran. He had a veteran 's loan on the property at XXXX XXXX XXXX TN XXXX. The deed number used to make fraud transactions is XXXX, XXXX, XXXX. There is a deed number that have XXXX no tax associated XXXX & XXXX. XXXX XXXX stole my personal information. Birth certificate, drivers license & social security card. The Family took my information with XXXX XXXX to steal funds. XXXX XXXX is a grandchild and she 's using my father social security. XXXX suddenly moved to XXXX using my information. XXXX traveled to XXXX in XXXX. My late father only benefits was social security. He did not have no where that type of money. XXXX have a XXXX XXXX XXXX in XXXX. I 've done a people search on my father 's name. He was XXXX when he passed away. His social security number is still active & shows he is XXXX. My father passed away on XXXX XXXX. The commercial appeal obituary shows his death. XXXX children is using my late father information. I also paid Attorney XXXX XXXX to pull information for me. He pulled my father 's information also. He have this information on file. This another way I learned of the XXXX dollars.
Product: Consumer Loan

I have had a loan out with this company for a number of years. 
Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. 
Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.
Product: Debt collection

Ad Astra Recovery Services XX/XX/XXXX, disputed with a 609 letter spring XXXX was never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$510.00}
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX   transferred this debt to Midland Credit Management and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX reports my account information accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX   XXXX XXXX  XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}
Product: Credit card or prepaid card

Received a VISA card via USPS from Wisely, which I never applied for, and the mailing stated it was a REPLACEMENT CARD. ( I have never had this card. ) When I called to inquire why I was receiving, I was asked for my name and DOB. As my name was listed on the mailing, I gave it to them ( I spoke with 2 different people on 2 attempts to call ), but I advised that I was not providing my DOB as I had not determined them to be legitimate and only wanted to know why I was receiving the card. I offered the card number, but was advised that they could give me absolutely NO information unless I provided my DOB. I insisted that I was not interested in anything other than to know why I had received the card, but they still refused to tell me anything unless I provided them my DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt. 

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Product: Credit reporting

Dear CFPB, This is the XXXX of my disputes with XXXX. I would like this negative information removed from my Transunion credit report also. Like I stated in the XXXX dispute with XXXX, this is NOT TRUE. XXXX received all of my payments. As you can see from my credit report, they did not put this on my report until many, many months after I had this paid in full. I just want the truth on my report. This is an unfair practice which I see is rampant. Sorry for writing XXXX disputes, but I have XXXX credit reporting agencies to go! Thank you for removing the negative information on my XXXX report. Please help me with the last XXXX. 
Thank you for your help. 
Regards, XXXX
Product: Checking or savings account

I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX  in XXXX OH since I wanted to open another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2 with absolutely no warning, I learned that all my other personal accounts are also restricted and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX  passport and they are green card holder and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages. It is funny that not even Branch Manager was aware that my personal accounts were to remain restricted and closed! I got penalized for no reason and no justification, but still I have to pay the price because of my in-laws ethnicity! Not all discrimination are captured on videos nor led to XXXX! Some discrimination are systematic! THANK YOU CHASE for treating your client who trust you with their daily financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and 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 a account without my written instructions
Product: Mortgage

I received a loan modification in XXXX or XXXX and was making payments. I received an offer to place my monthly payments on hold because of COVID 19. The payment were suspended for a period of 1 year. I received a call a year later demanding all back payments to be paid in a one lump payment. I explained that I was XXXX  year living on a fixed income and could comply with those demands. I requested a loan modification. the sent mailed a package out i submitted it an the after 6 months or longer the denied the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I tried open XXXX XXXX from chase after I temporarily unfroze my credit report.

I got letter saying to submit legal documents over the phone online and in person at a Chase bank to prove identity.

After following instructions, went to a Chase branch provided my DL SS.

I still did receive the advertised product.

They jeopardized my safety and personal information that potentially be used to commit further attack by cybercriminals.
Product: Bank account or service

I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.
Product: Checking or savings account

I had a {$1500.00} tax refund advance deposited into a credit karma spend account from XXXX on XX/XX/2023. Credit Karma randomly locked my card after confirming several transactions from my virtual debit card on XX/XX/2023 and XXXX cant unlock the card and I cant get in contact with anyone from Credit Karma. Apparently this is happening across their entire network and I want my money ASAP.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX  XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I had filed a dispute with all 3 credit bureaus ; XXXX, Equifax, and XXXX. I was a victim of identity fraud and completed disputes to those accounts created without my knowledge and with my stolen information. I filed a police report, and submitted all paper work as requested. XXXX  and XXXX were great and helped me step by step and made sure my credit reporting was correct, and deleted all fraudulent account. Equifax on the other hand are not deleting fraud accounts and stating they are mine, when in fact my information and identity was stolen. Instead of trying to help me, they tried to sell me products to monitor my report. I have a police report, I am a victim, and this company is not trying to help me. How is all the same information available to all credit bureaus but Equifax keeps insisting it is my account. It is very upsetting, and no one is helping me. On another note their website doesn't even let me log into to check my dispute because they keep stating im answering my security questions incorrectly. IF FRAUD WAS DONE ON MY ACCOUNT how am I suppose to know what accounts were open.
Product: Debt collection

I never did business with XXXX XXXX. This has violated my rights and privacy.
Product: Student loan

XXXX XXXX, XXXX, and XXXX do not provide adequate communication and information regarding loan payments.

I was making payments -- never missed any -- to XXXX  when the service switched to XXXX XXXX. I've received exactly one email regarding the switch but had reasonable basis to doubt the legitimacy of the email because I visited XXXX and saw that the website now belongs to XXXX, and the content of the website mentioned absolutely nothing about XXXX XXXX. Therefore, I did not want to provide personal information to XXXX XXXX at the time due to this lack of conviction.

I did not know what happened to XXXX, and could not make payments because my auto payments were completely stopped. Hence the start of delinquent payments. I do not believe that the responsibility of this delinquency falls completely upon myself, but rather on XXXX XXXX  and former XXXX  as well due to little or no communication.

XXXX XXXX or former XXXX, did not handle communication properly by informing payees to change address, or at least email/call them to notify of delinquent payments. I live and rent at another address and was not given any opportunity to update my address. I would do so if I knew XXXX XXXX  does not offer paperless communication. I finally received a physical statement of my balance due ( in horror ) when I return to my home address that I do not visit frequently. If XXXX XXXX XXXX goal is to collect payment, why hasn't it expanded the scope of communication to its payees? Unless this is an intentional and unethical tactic employed by the business to collect more on fees and interest of delinquent amounts.

I will take responsibility on my part that I have not reached out to see why my payment to XXXX  have stopped. Therefore, when I receive the delinquent notice, I accept to pay the full amount which include late fees.

When I tried logging into XXXX XXXX, I could not click on " Make a Payment. '' The button was grayed out and when I tried using Guest Payment, it kept saying my account number is valid when I have confirmed it to be correct many times. At this point, I feel that XXXX XXXX is making it difficult for its members to make any payment, and therefore even prolong the delinquency.

And that is why I am filing the complaint now. I have no problem using XXXX XXXX, never have missed a payment there, and can prove that this delinquency is not intentional with my strong credit score.
Product: Credit reporting or other personal consumer reports

XXXX reported me late on XX/XX/scrub> 2024 as 30 days late on my XXXX thats incorrect. 

XXXX reported me 30 days late XX/XX/year>2024 that's incorrect I paid on time Experian reported me XXXX days late on XXXX and XX/XX/year>2024 that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Debt collection

I have called the hospital in XX/XX/2019 about not receiving a bill and being sent to collections and they stated that they had my address and it was the slating address, I stated that it was funny because the hospital owns the clinic my primary doctor is out of and their system is linked. Contacted them again in XX/XX/2019 about not receiving another bill and they stated they still had my address in XXXX, MO which is wrong still. And now there is yet another collection on my account from a bill I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I am being hit with a hard pull inquiry from XXXX  XXXX on XX/XX/XXXX. This never happened and I never gave anyone authorization. For months now I have been trying to get this thing resolved. I was told write XXXX  XXXX letters which i did and write each credit reporting agency letters which I did also. It seems to me from talking to them on XX/XX/XXXX they are mixing up my XXXX  XXXX card that I have opened with whomever tried to open up a new card and gave them inaccurate information. This investigation has been way over 45 days multiple times now. I have sent letters and called XXXX  XXXX, XXXX, equaifax, and XXXX. It just keeps going around in a circle. : (
Product: Money transfer, virtual currency, or money service

Some one stolen my identity, my social security number, date of birth, name, address and used that to open an online account with bank of America, I contacted the bank, they confirm the identity theft and said they closed that account. One of their suggestions is to report that to you. Also I filed a claim at the police station. So please help me out.