23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 Midland Credit Management left a letter ( pre-legal notification ) at my front door concerning a XXXX XXXX credit card account. I do not have an account with this credit management company. I previously requested them to provide me the name and address of original creditor, copy of the original signed contract, delegation of authority, and a complete accounting / statement of payments with interest and fees associated with the alleged debt with them. I have not received any information from my request except their letter of intent to direct this issue to attorney, if I dont contact for a debt that I did not contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, i sent my first letter to EQUIFAX disputing the unauthorized inquiries that they are reporting on my credit report inaccurately. I didn't not allow anyone to pull my credit, in which i asked for documentation which i never received.I then send out my 2nd letter on XX/XX/2021, and they haven't responded to either one in which is a violation of the law. I am asking to resolved this matter with these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP ] Dear Experian, I am writing to express my deep frustration and concern regarding the continued inaccuracies on my credit report, which I have been disputing for the past few years. Despite my repeated efforts to correct the issues, including providing all required documentationsuch as my identification, proof of address, Social Security number, police reports, and an FTC Identity Theft Reportthe incorrect information remains on my report. These issues have severely impacted my credit score, thus hindering my ability to secure better employment and financial opportunities. 

It is baffling to me how accounts are still being verified as accurate when key details on my Experian profile, such as my address and date of birth, are completely incorrect. The fact that someone has been able to use my name and Social Security number while fraudulent information continues to populate on my credit report raises serious concerns about the verification process on your end. 

I have repeatedly provided the necessary documents to prove that I am the victim of identity theft. Yet, despite offering my full cooperationincluding submitting my personal information and identification numerous timesthere has been no meaningful resolution. Instead, these fraudulent accounts are still being marked as verified, even though I have provided clear evidence to the contrary. 

How is it possible that fraudulent information such as incorrect phone numbers, addresses, and dates of birth continue to be linked to my Social Security number, especially when my proper identification and supporting documents have been submitted multiple times? 

This is my final request for a thorough investigation into the inaccurate data reported under my name. The continued failure to correct these errors is holding me back from progressing in my career and achieving financial stability. It is imperative that you take immediate action to ensure the integrity of the information on my credit report, as it appears that fraudsters are still exploiting my personal data despite my best efforts to resolve this matter. 

Please confirm that all fraudulent information has been removed from my credit report and that a full investigation has been conducted. I expect to receive an updated copy of my credit report, free from any incorrect or fraudulent data, as soon as possible. 

If this issue is not resolved promptly, I will have no choice but to escalate this matter to the appropriate regulatory authorities. This includes seeking legal counsel if necessary. 

Thank you for your immediate attention to this matter. I trust that you will handle this with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been opened in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.
Product: Credit card

On XXXX XXXX fraudulent applications from American Express was reported to my credit profile, and I never applied for this account this account. I never authorized anyone to apply for credit card in my name. This account was created fraudulent. I reported this to American Express and XXXX and was told I need to contact consumer finance gov. To remove inquiry from profile
Product: Checking or savings account

On XX/XX/year> I initiated an instant withdrawal from my XXXX account for {$160.00} to my Chime Card ending in XXXX. On XX/XX/XXXX I initiated another instant withdrawal from my XXXX account for {$200.00} to my Chime card ending in XXXX. Neither of the transfer were deposited into my Chime account. When I contacted XXXX, they informed me that both transfers were successful and provided me with network IDs and transaction IDs for both transfers. When I then provided these IDs to Chime, they let me know that they were unable to locate these transfers and have no record of them and was told to provide XXXX with my statements. I then provided XXXX with my bank statements, showcasing that the transfers were not made/successful. XXXX informed me that they are in need of an official letter stating that these transactions were not delivered to my account and that when the IDs were ran, that nothing was found. XXXX stated that this is needed for them to do a further investigation and escalate a possible refund process. When speaking with Chime they are refusing to provide me this letter. I dont know which party dropped the ball when it came to this transaction/transfer. I have made multiple transfers into Chime from XXXX that have been successful, the most recent dating XX/XX/year> for {$63.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information shared not with consent.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.Remove the inquiries promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

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

XXXX XXXX XXXX section XXXXXX/XX/XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XX/XX/XXXX) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXXXX/XX/XXXXA 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

My credit report with TransUnion has information that do not belong to me & things that I have never applied for listed on my credit report. I let them know this was an issue previously but they did nothing to fix it. I have given them an identity theft report as well as a police report about the accounts from XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, and a few accounts listed with Dept of EducationXXXX account numbers start with XXXX.
Product: Debt collection

{$430.00}, XXXX XXXX, I have talked to representatives multiple times about a debt XXXX XXXX states I owe and told them numerous times that I do not remember ever applying for a capital one card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from XXXX XXXX and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to XXXX XXXX and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Well it said someone made an inquiry about a credit card on XX/XX/year>. I was alerted by my bank and I got in touch with trans union and they said there was no credit card but I did freeze the account so no one can touch it.
Product: Money transfer, virtual currency, or money service

I had created a coinbase account to invest in cryptocurrencies. The phone that I had the coinbase XXXX where I use to invest in coinbase and get access to my account is not working.I bought a XXXX XXXX.Since I have a XXXX XXXX they dont give me access to to the account any more.I did all the procedure they tell me to do in the website but they did not work.When I call coinbase, no one answers the phone.The XXXX customer service send me to the website.It has been more than XXXX months I get access to the account.Instead of giving me access, they end up creating a new account for me which I dont need cause I m already.
Product: Mortgage

At the end of XXXX, we were with another servicer, XXXX XXXX. They were really amazing to work with and they had helped us successfully go through a modification early in XXXX. We have a severely XXXX and XXXX XXXX child, and at the end of XXXX fell behind by 2 payments due to hospitalization.. We were approved to defer them to the end of our term by our prior servicer, XXXX and get our program back on track. Everything was explained to me, and they were very very helpful. But the deferment never took That never happened because our mortgage got sold apparently in XX/XX/XXXX. It took us awhile to get in touch with someone regarding the deferral, and Fay Servicing was the New servicer. I explained to them what was going on due to our sons illness and how my lack of income is a result of this. ( My husband has an excellent job and has since XXXX ) I was told that I had to submit a complete hardship package of documents to be considered for help. So I did this. I was contacted shortly after sending documents and told that there were additional things needed. So I send the additional documents. And waited. I finally called and found out that even though I was told via a phone call that everything was received, they said our file was CLOSED because of incomplete documents. 

And they also had put our loan into foreclosure status which we were not notified of. I discovered this when I tried to send payments in, and payments were returned to me. 

They had me resubmit a complete full package of information including details on the reason and nature of my sons medical condition and XXXX. ( he was born with a XXXX XXXX and we have strived to take care of him in our home. Made accessibility renovations and improvements etc. ) Over the next several months of XXXX I submitted 3 hardship request packages ( per their instruction ) and each time they almost immediately sent me a generic denial letter for all programs. That letter instructed me that we could file an appeal. This was done twice. 

Our loan representative was changed 3 times since Fay took over. I was only made aware of this when I called in for updates. 

I was completely frustrated, because so many documents were submitted over and over. And then we were told that they were incomplete even though we had sent in everything. 

The loan delinquency was increasing, but I couldnt make a payment ( I tried to several times in good faith but all checks came back ). 

Finally, in XX/XX/XXXX a third new representative called me. He began questioning me on our intentions with our home. I stressed to him that we have a severely XXXX son, that our youngest is in school her
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. XXXXode 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX MEMORIAL CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MEMORIAL CT XXXX, TX XXXX MULTIFAMILY 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

PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting

My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, MEDICREDIT, INC, has added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, MEDICREDIT, INC. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe i am a victim of identity thief. In XXXX I had my identity stolen through XXXX  data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Product: Credit reporting or other personal consumer reports

Its showing a XXXX balance on credit report but on my account its showing XXXX balance
Product: Credit reporting or other personal consumer reports

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

Wells Fargo had on going fees that happened around 2019
Product: Student loan

I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint against XXXX, XXXX, and Equifax for their failure to properly address my proven identity theft claims, despite providing substantial evidence. The credit bureaus have acted in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and remove fraudulent accounts from my credit reports. I demand immediate action to resolve these issues, as outlined below. 

Background : I have been a victim of identity theft, which has been thoroughly documented through an Identity Theft Report, as well as other official documentation, including a Hospice Certification. In addition, I am providing letters from various creditors confirming that these fraudulent accounts have been deleted after their investigations. 

Despite this, XXXX, XXXX, and Equifax have : Ignored my identity theft claims for an extended period, despite having clear evidence that the accounts are fraudulent. 

Blocked my access to dispute these fraudulent accounts online, further hindering my ability to resolve these serious issues. 

Continued to allow these accounts to be re-aged, re-added, or transferred to other companies, which perpetuates the damage to my credit. 

Reported the same fraudulent accounts under different creditors, as they attempt to offload or sell the accounts, causing duplicative derogatory entries.