23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( XXXX XXXXXXXX, Wells Fargo, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( XXXX XXXX, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to Wells Fargo XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXX XXXX XXXX XXXX student at XXXX University ( online ).
Product: Checking or savings account

I have had one recent fraudulent transaction on my debit card issued by Ally Bank. The transaction was blocked by Ally Bank and I didn't lose money The bank sent an email showing the transaction and advised me to call. After over a half dozen calls, each time being on hold for well over 30 minutes, a voice comes on to say that " no one is available to help you at this time, please call back, good-bye ''.

But meanwhile my debit card has been cancelled by All Bank. I can not charge the card for merchandise, or get cash out of my account, and numerous automatic payments are scheduled to be paid with the now-cancelled debit card. I have tried to reach Ally Bank in an attempt to find out if I have been sent a replacement debit card. 

But, once again, it is virtually impossible to reach customer service at Ally Bank, on phone or via chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Product: Prepaid card

Visa XXXX XXXX was purchased for the amount of {$100.00} from our local XXXX grocery store. The back of the card states it is issued by U.S. Bank National Association from VISA XXXX XXXX. The original gift card was registered online per the back of the card instructions. I was unable to use the card ANYWHERE. Not in store ( tried multiple ), not online. Used as debit and credit, nothing worked. Multiple calls to the number provided on the card for customer service/activation XXXX. The CSR 's offer XXXX help or info, regardless of my requests. Most of them hang up on you. Finally I got one CSR to send me a new card. Of course, this card does not work either. The new card sent to me will not activate online at their website or by phone. I put in the card number on the front, then it asks for the 3 digit code on back, which I enter. It then tells me there is no account associated with these numbers. I call CSR again. The agent tells me it is not a scam, but he will resend me a new card. I tell him that has been done already. He then hangs up. This is absolutely unacceptable. I have never had an issue with a gift card like this ever. The replacement card sent to me even has my name on the front, and still, will not work. I requested every agent I spoke with to be refunded and all told me it was not an option. I would just like my {$100.00} back. This was a gift for my child for his birthday. Very upsetting.
Product: Debt collection

Harris & Harris from XXXX calls my work phone XXXX with a robocall debt collection message almost every single day for a debt that is not mine. It's been almost a year since I started a new job with this phone number. It's just a machine that calls with the exact same message, and there's no way for me state that they have the wrong number.
Product: Student loan

I currently am enrolled in a Rate Reduction Plan for my private student loans at Navient. My student loans are making my living situation very difficult and I deseparetly need in stay in the Reduction Program to be able to keep compliant and make payments. They are denying my Program starting next month. I have tried emailing and calling for 4 days straight on and at some point all the time I get the run-around or hung up on. I need help or I will become bankrupt and still will have these loans on my record and make life for me difficult for decades. My loans have almost doubled in size because of the interest rates and deferment in school. I was not made fully aware of this program when I first signed up and feel like Navient obviously is not helping me in this matter. I am responsible, have a full-time job and work hard to keep paying all of my bills on time. But because of these student loans, my debt-income ratio is insane and I 've had to rack up credit cards to keep up with payments. I need help or I 'm going to lose everything.
Product: Credit reporting or other personal consumer reports

I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX  account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX  is not reporting on any other bureau but equifax but show no late payment but 90day how do you skip 30 and 60 days.
Product: Checking or savings account

I applied for a loan got a call from a XXXX XXXX said he was a lender for onemain financial said I was approved for a loan amount of {$5000.00}. Gave me interest rate loan payment amount. He then said he needed to verify my cellphone number and began to text me he asked to verify checking account number and routing number to him asked if I had a savings account then asked for the last 4 of social security. I have all text messages from onemain financial. He told me he was going to deposit {$830.00} to have my bank verifies account. He calls me back and said funds are in savings account I asked why in there it was to secure money and for me to withdraw it and {$250.00} will be put into my checking account and to send back to onemain financial so they can deposit {$5000.00} minus the {$830.00} I got notification that I was overdrawn my money from checking and savings account. He went in changed my online username and password. I called onemain financial local branch XXXX XXXX XXXX XXXX to ask why funds was taken she asked for my loan number which I never got then asked for my ss # she started laughing and said well your a victim of onemain financial fraud and said you are not the only one. This has destroyed my life my bank has froze my accounts will not release my social security income I'm XXXX that's my only income it's going on 3 weeks with no answers from anyone. This person has hacked into my XXXX XXXX XXXXXXXX and XXXX along with my cellphone provider. I can not pay anything until my bank furthers the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : Credit Acceptance-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

To whom it may concern you're reporting XXXX XXXX XXXX account XXXX as an open account Which is not under FCRA Compliance, this is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Debt collection

Have requested on several occasions for them to not contact my family members. They somehow have my step mother and father 's cell number which I did not give them. "  XXXX  '' also told me to pay and the calls will stop. I am going through a divorce and I am not able to pay at this time. Every call is contact me today or further legal action will occur. "  XXXX  '' has contacted my step-mom who was n't even my step mom at the time the loans were taken out so how could she even be a contact? "  XXXX  '' is clearly using deceptive practices to try to contact me.
Product: Credit reporting or other personal consumer reports

These accounts are showing up on my credit record because I was the victim of identity theft and my information was exposed. Since these accounts are not mine and I shouldn't be held accountable or liable for something that was made public without my knowledge, they are really having a big impact on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX/TRANSUNION/XXXX  I am writing to dispute the XXXX XXXX  account ( Account number : XXXX ) that is listed on my TransUnion credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. 

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX  is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received loans in XXXX to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by XXXX. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in XX/XX/XXXX and have been there since. I have a great standing with my account there and have been trying to pay my way down. I do n't understand how you can stay in collections for 4 years+ until your loan is paid off. The loan terms state you may be in default after a missed payment, it does n't state how many or number of days, it also does not state that you must remain in default either. I took these loans out 10 years ago because it was the only option I had and I am almost XXXX and they are still ruining my credit. Every month it is stamped as collection whether or not I pay and my credit score has sat at a measly XXXX for the past 4 years because of it. I own up to my mistakes and understand the importance of payments but I do n't feel that I should have to suffer the rest of the {$13000.00} I owe in collections. I will never get approved for a house or car or school again if you continue to drag me down. The loans currently sit with XXXX out of Ohio. Which is also weird. I live in Colorado and the servicer is in Pennsylvania and New York I believe. So where does that put us?
Product: Credit card or prepaid card

Everytime I apply for a us bank credit card they wont process my apps give me a hard time I need a secured card to reestablish my credit and they wont approve me
Product: Checking or savings account

Subject : Request for Provisional Credit - Dispute Claim XXXX Dear Chime XXXX  and Fraud Team, I hope this message finds you well. I am writing to follow up on my dispute claim number XXXX regarding the credits not posting to my account associated with XXXX XXXX XXXX ( Amount ) {$27.00}. 

This dispute is legitimate and has the support of both the Indiana Attorney General and the Consumer Financial Protection Bureau ( CFPB ). The ongoing issues have caused significant stress, and I would greatly appreciate your immediate attention to this matter. 

In light of the circumstances, I kindly request a provisional credit to my account while the investigation is underway. This would help alleviate some of the financial strain I am currently experiencing. 

Thank you for your understanding and prompt assistance with this request. I look forward to your swift response. 

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

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>2025 Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Credit Collection Services, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am entitled to receive full verification of this alleged debt before I take any further action. 
Please provide the following documentation to validate this debt : XXXX. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency. 
XXXX. Original Creditor Information The name and contact details of the original creditor, including account details. 
XXXX. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
XXXX. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor. 
XXXX. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 
XXXX. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection. 
If you are unable to provide all the requested validation within XXXX days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Credit Collections Services account number- XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is persisting to report an inaccurate bankruptcy on my credit report. On XX/XX/XXXX, they did not allow me to dispute the bankruptcy account because I had previously disputed this error. I have since received a response from XXXX the furnisher of the inaccurate information that the account has been deleted/removed. Experian is in violation of the FCRA in the act of continuing to report inaccurate information on my credit report. I even submitted the XXXX correspondence stating this bankruptcy has been removed. Unfortunately, Experian is not abiding by the FCRA rules and guidelines. The CFPB has the correspondence from XXXX, proving this bankruptcy has been deleted/removed ( Per XXXX ). Experian must delete this inaccurate account, and all accounts associated with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase indicated that they had no information on the opening of the account the emails I received had the last 4 digits of the card and I was told there was no such card. I would like to get the hard inquiry off of my credit
Product: Credit card or prepaid card

I FEEL SOME TYPE OF DISCRIMINATION TOWARDS ME FROM WELLS FARGO, BECAUSE I'M A XXXX FEMALE, WHO FILED A CLAIM AGAINST WELLS FARGO FOR CREDIT CARD FRAUD. THEY KEEP HAVING THE SAME PERSON CALL ME WHO OFFERS NOTHING TO HELP ME. WHERE IS MY JUSTICE.!!!!!!