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

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I spoke with SPS on several occasions and the calls were recorded. I was approved for a loan modification and was told that funds held in my suspense account would be applied to the first trial payment. I have spoken with several reps since then, now they are stating that the funds can not be applied until after the modification.
Product: Debt collection

I informed XXXX XXXX XXXX XXXX that this debt is not mind and the did not respond to my debt verification and validation communication i sent them. Instead they send the debt to XXXX XXXX. This is not my debt
Product: Credit reporting or other personal consumer reports

Dear Experian, I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX CARD SERVICE Important dates Inquiry date XX/XX/year> XXXX - XXXX Important dates Inquiry date XX/XX/year> XXXX  Important dates Inquiry date XX/XX/year> XXXXXXXX XXXX  Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 
As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Checking or savings account

A fraudulent unauthorized ( by XXXX ) withdrawal took place on XX/XX/ for {$2000.00} from our checking account. We believe our card was duplicated at some point, as my husband had the card in his position at all times. A police report has been filed with the XXXX, AZ police department. We received a call from a Wells Fargo phone number regarding the transaction. My husband stated that he did not use his card as I just had a total XXXX XXXX the day before and he was my caretaker. We have filed claims twice with the second escalating to the fraud executive department. Both claims were closed without explanation and a refund would not be given. We were told there is nothing they can do. As customers for over 20 years we find this unacceptable!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on XXXX XXXX, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and XXXX  is showing XX/XX/XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Product: Debt or credit management

On XX/XX/2023 I enrolled in a debt management program ( DMP ) with Money Management International ( MMI ). I included 3 XXXX XXXX credit cards in the DMP. two of the card 's due dates were XXXX and the other was XXXX. before enrolling in the program I advised my counselor XXXX that I would not make the payments for XXXX since I was enrolling in the program. He stated that would be fine because the creditor would receive the payment from MMI in XXXX. I had no idea that MMI would not send the payment to XXXX XXXX until the XXXX of XXXX. I also had no idea that because they were sending the payments so late after my due date I would become overdue with my payments and that I would be reported to the credit bureau as 30 days late with my payments. The purpose of enrolling in the DMP was to protect my credit not to destroy it. This has caused my credit score to drop. I have made several calls to MMI the people are not knowledgeable at all. No one wants to assist me. I was told by one rep at MMI to change my due date with the creditor unfortunately I can not do that because the account is closed. I feel like I was not presented with all of the information that I needed when enrolling in the DMP. I've asked to speak with a supervisor and no one has called me back. This is extremely frustrating. I had to make an extra payment of {$130.00} on today to bring all three cards current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, OH XXXX XXXX - these are wrong. Please remove them immediately! 
XXXX - XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo suspended my account with false accusations. I provided the proof of identity as requested and after multiple contacts and complaints, Venmo removed the suspension over a {$30.00} payment! Reference CFPB complaint number XXXX. On XX/XX/XXXX, I received {$25.00} and Venmo has suspended my account again for no reason, again demanding proof of identity which was provided AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX 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 an account without my written instructions. 

I have sent several dispute letters to the creditor asking proof and validation of the debt reported on my credit bureaus and no evidence has been provided. 
Tacking information of Certify mails are the following. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXX is reporting inaccurate information on my credit reports. I have no prior business or financial relationship with the banks involved, yet XXXX XXXX has included information in my report that is incorrect and misleading. 

These errors have caused significant harm, including negative impacts on my creditworthiness and unnecessary stress. Despite my efforts to dispute these inaccuracies and request corrections, no adequate action has been taken to resolve the matter. 

I request an immediate investigation into this matter and demand that all incorrect and unverifiable information reported by XXXX XXXX  be removed from my credit reports promptly. It is essential that my reports reflect only accurate and legitimate information.
Product: Checking or savings account

My account was overdrawn with BBVA Compass Bank due to a returned check but I am disputing unauthorized charges with another bank to get the money back to bring the account positive. I have been making deposits in the meantime to get the account back to a positive status but they're charging me {$25.00} each week for " extended overdraft fees ''. I now have an additional {$50.00} on top of a returned item fee. It is exorbitant and predatory. Anything you can do to assist me is much appreciated. I have no problem paying the original returned item back but I should not be charged {$25.00} every 7 days for something that I have been making efforts to pay back.
Product: Credit reporting or other personal consumer reports

I am hereby filing a formal complaint against XXXX and Transform Credit , Inc. An account was placed on my XXXX credit report by a company called Transform Credit XXXX XXXX , Illinois . I have no idea who Transform Credit is ; I have never dealt with or had any business relationship with Transform Credit ; and I have never opened any loan or any other account with Transform Credit. Transform Credit erroneously placed an unsecured loan account on my XXXX credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted XXXX on multiple occasions by phone that I wish for them to remove this erroneous Transform Credit account from my credit report, and they have not done so. I have contacted Transform Credit , Inc. by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how XXXX could have allowed Transform Credit , Inc. to place this account on my credit report. I am not the victim of XXXX XXXX  as no money has been taken from any of my accounts. I simply wish for XXXX to remove this erroneous Transform Credit , Inc. account from my credit report, because as stated previously, I never had anything to do with or had any relationship with Transform Credit , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX # XXXX h

ave violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX & XXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached # XXXX a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

I'm not liable for this debt. i do not have contract with XXXX XXXXXXXX XXXX they did not provide me with original contract with original creditor and proof of debt assignment and proof of assigned purchase this debt as i requested, Correction to my credit report, I demand this account be removed from credit report.
Product: Credit reporting

XXXX was reinserted on my credit report after previously being deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first letter that I am uploading explains I am attending XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I graduated XXXX XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX. I worked at the campus departments : XXXX XXXX - XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I received job postings per hiring employers and refferr students to those potential hiring employers. The department will receive feedback with the status of the relationship. 
I did not once receive a complaint from the studemt- employee or employer. 
I returned and enrolled into HDTP. I passed three interviews, and one interviewer offered me a job to practice the yard truck from XX/XX/XXXX to XX/XX/XXXX, drug and alcohol testing or DOT regulations to receive a Commercial Driver License. 
In XX/XX/XXXX, one employer form the college attends the so called Recruitment Day. The employer says, " I will help you get your truck. '' XXXX XXXX - President of XXXX XXXX XXXX, XXXX ( XXXX ). 
I select this employer and he deducts money from my paycheck for a XXXX XXXX semitruck. He then inform me he has sold everything to XXXX XXXX located in Nevada and the instructions are to pay XXXX with XXXX XXXX on the check, money order. The XXXX XXXX, he sells without my consent. 
XXXX then informs me to select another semitruck, XXXX XXXX. XXXX XXXX full throttle and work endless hours to make {$1000.00} per week payments. 
After making payments of 60 weeks, I informed the employer of the right shoulder injury and only can make {$500.00} payment. XXXX   accepted the payment and the following day XXXX XXXX and XXXX XXXX repossess my XXXX and I have a video where XXXX XXXX says, " I am {$200.00} short and one week late. 

I inform XXXX of the swindle, fraud, scam and in return, I received a letter informing of the contents in the letter. 
I attended XXXX for many years and not once did I commit any crimes or the police on me. 
i don't wish these life events upon anybody because my intentions was to become a better person and be responsible. My unalienable rights are violated - life, liberty, and the pursuit of happiness. 
I contacted Law Library of Congress with XXXX XXXX and receive an archive. Assessing the Implementation of the Clean Truck Programs of the Port Of XXXX  and Port of XXXX. Then find the truth about the msclassificetion of XXXX XXXX Drivers. XXXX are not Independent Contractors. We are disguised employees as independent contractors to swindle the hard workers for their money and earned property. 
I made XXXX XXXX XXXX XXXX to hire employees and not swindle, defraud or scam any person who wants to have a better life. 

Several business have violated my consumer rights. I beleive Consumer Federal Protection Bureau will take action and assist me with anything the bureau can assist me with. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Mortgage

Mid America Mortgage changes payment processing handlers. They did it again. Sent letter telling me they changed and to expect new account number in the mail. Nothing has come by mail, call number provided and you hang on for HOURS. XXXX Payment expected on the XXXX of XXXX. 

They change loan payment handlers frequently. Lost my escrow from XXXX XXXX several yrs ago when they changed hands. Apparently Mid America doesn't do audits. They shouldn't be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to the day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these terms within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

this debt owed was a part of litigation that was resolved in XXXX with all monies owed to XXXX XXXX being resolved in a settlement. Further the debt was from XXXX but Portfolio associates has updated the debt to XXXX.