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

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXX, XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Acima is stating that on XX/XX/XXXX is when I agreed to electronically entered into the rental agreement but in the copy of the lease agreement it states that it began XX/XX/XXXX, but on my credit report its stating that this account was opened on XX/XX/XXXX these dates are all inaccurate and I request for this account to be removed from my credit report due to inaccuracy because I have the right to dispute any inaccuracies in my credit report.
Product: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this NCA a  third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Product: Student loan

MOHELA committed financial fraud in XX/XX/XXXX. 

On XX/XX/XXXX I made a payment to MOHELA and requested my remaining balance for both principle and interest. The agent, XXXX ( XXXX # XXXX ), stated that my principle was {$10000.00} and that my interest was {$0.00}. I asked her to repeat these numbers several times to ensure they were correct and accurate. This conversation was recorded. 

On XX/XX/XXXX, I telephoned MOHELA again ands spoke with, XXXX  ( XXXX # XXXX ), regarding my physical bill, which was mailed via U.S. Post office and therefore constitutes a notarized legal document. The bill states that my principle balance is now {$10000.00}. The bill does not list any interest as I have enrolled in the fraudulent SAVE plan. Upon review, MOHELA stated that my principle balance is {$10000.00}, and my interest is {$33.00} USD. When questioned about the discrepancy I was initially informed that I was told a different number. Specifically, the number listed on my physical invoice. After informing the agent that I had recorded the conversation, I was subsequently informed that this was an alleged accident, and not illegal conduct being willfully concealed by MOHELA. 

This is fraud. This is wire fraud. This is financial fraud. 


This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

MOHELA is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month, and in a correct as well as accurate manner. 

This false information is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 


Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that MOHELA is unable to provide an accommodation in compliance with the ADA ( 1990 ). I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Product: Mortgage

On XXXX. XXXX, 2023 Rosegate Mortgage , LLC ran my credit via a third party company by the name of XXXX XXXX XXXX XXXX with out consent. I was in the process of getting prequalified for a mortgage and sent my tax documents and before you know it without any communication at all a hard pull was done on my husband and I credit this was alarming and caught us off guard as we experienced our identity being compromised. Aside from the fact that this disrupted other things we had going on we simply wished we would of been ASKED. The representative XXXX XXXX seemed frustrated with me not accepting the fact that she didnt follow standard protocol and even then I wanted to fix things but she actually contacted my realtor to let him know we will not be working together anymore. Just POOR accountability and business. I was contacted by another representative by the name of XXXX who took accountability on her behalf and ensured me they'd be working to remove said inquiry, but I haven't heard back and this is now affected my home loan and car refi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that your company, XXXX XXXX XXXX, is still reporting to my Equifax Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating XXXX that this matter would be handled by XXXX of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX XXXX XXXX installment loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Status updated : XX/XX/XXXX Account type : Installment Payment status : Repossession Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$15000.00} Monthly payment : {$0.00} Past due amoun : t {$0.00} Terms : 120 Months Responsibility : Joint Account
Product: Credit card

I received a CashApp debit card to my HOME ADDRESS and I have NEVER opened, downloaded, or used CashApp in any way. I'm very concerned about this breach in my privacy, somebody was able to create an account in my name with my ADDRESS. There was no email verification, no SSN, etc. I reached out directly to CashApp regarding this and received very minimal support and they weren't able to ease any concerns I have. This is unacceptable to me.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX I have been dealing with Identity theft, after filling a police report when my purse was stolen out of my car, with all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my XXXX unemployment card was stolen. Which resulted in someone taking over {$25000.00} from me during the pandemic. I have sent off credit reports and dispute letters with police report attach to Trans union requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit report. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Please validate
Product: Credit card or prepaid card

I call the bank on XX/XX/XXXX to add a mailing a address to my newly approved Wells Fargo XXXX XXXX card, they told me to call back on the next business day to update that info. then call back the XX/XX/XXXX, got the info updated and was awaiting for new card to arrive in the mail the said it will take 5 to 7 day. I called the XX/XX/XXXX spoke to female she said there was no card there for me no even my XXXX card, she hung up call back go to male buy the name of XXXX he told me that the card was shipped out on the XX/XX/XXXX he also said I should give it two more business days because there might be a delay. I waited until the XX/XX/XXXX the card did not arrive call the bank then they say that they are send me my card express, they could n't do they said that there are fraud on my account. I the bank today XX/XX/XXXX one rep told the account was closed hang up I called ask for supervisor then a manager when I spoke with the manager she said everything is gon na be ok she is gon na have a department call me back to fix the issue I have within 2 hours waited 3 hours no call the name to the manger was XXXX, After waiting for the call I call ask for a supervisor got connect to one by the name of XXXX I explained to bill what happened then he said that 's not what he is seeing in the note he checked twice still nothing when I played recording from XXXX 's call when he checked the 3rd time that when it magically appeared back in the note the he advised me that no one will be calling me back. they are note treating me right Wells Fargo should be more customer friendly and let the application process be smooth
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My account has been restricted without informing me. I was made aware once my debit card started to decline. My account is restricted to be used and I have no access to my funds that I use for eating, living, taking public transport. I went into my branch and was told they submit a request and I should have an update by EOD. I never heard from them so went to the branch and said theyre still awaiting an update and that I should get a call. 
This is my only form of access to money at the moment and has put in a very difficult situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX
Product: Debt collection

I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?
Product: Debt collection

I received serveral communications from XXXX XXXX XXXX about my system running on 2G cellular service that was being phased out. Quote : " This means XXXX XXXX XXXX will no longer be able to monitor your home if you do not upgrade your system ''. Last communication sent XXXX : " To ensure you stay protected by our award-winning service, please call us within the next two weeks to schedule your FREE system upgrade with professional installation. '' Call us now at XXXX in order to continue coverage of your home. '' I did not upgrade and I had a credit of {$2.00} on my statement dated XX/XX/2020. I want to know what they were legally charging me for after that date when they already told me that they would not be able to provide service if I did not upgrade.

XXXX  sold the debt to Zions Debt Holdings, LLC and I told them I was not paying for a service that could not be provided as well.
Product: Mortgage

I am involved in what has to be the longest re-finance of a loan ever!! I own a rental property and because of divorce, losing my job and the interest rate adjusting, I couldnt afford the payment so I applied to XXXX to refinance the loan instead of defaulting. This started in the middle of XXXX and was going along great when XXXX decided to sell the loan to SPS ( select portfolio servicing -approx XXXX ) -- this has to be the WORST company ever!!! I have been submitting the RMA since then monthly and have had to submit one section ( section XXXX ) no less than 9 times ( I am not kidding-I have the copies )!!!! I am supposed to have a relationship manager, XXXX, who never calls back or takes a week to call back -- why have one then?? Everytime I call I put in her ext. and it goes to someone else? Anyways, the problem with section XXXX is that this is a rental property and not my primary residence ( I am renting now ). I have had to send it on with the different boxes checked, my primary home address, mortgage payment and HOA payment -- did I mention I am renting now? Everytime I call there is a new customer service rep that says send it in this way after talking to underwriting and EVERYTIME when i call to see if they have received it, there is a problem??? I have asked to talk to underwriting numerous times but they dont take calls?? So here I am almost 2 years later and no closer to refinancing?? I just want to know if they are going to approve this or not so I can tell my tenants what they need to do, or if I can short sale it, or just have them foreclose on it?? At this point I am considering the later but really dont want to do that. I need help with this so called company and let me know if underwriting is ever going to get its act together and make a decision????
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Complaint against National Commercial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Toll Free : ( XXXX ) XXXX Telephone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX NCS was withdrawing {$100.00} from joint back account for a year. When my relationship ended with that person he called NCS to change the bank account information that the funds were withdrawn from. NCS continued to withdraw {$100.00} from my account and refused to work with me to get the issue resolved. They maintained the payment was returned non sufficent funds, which was not the case as I have bank statements to prove other wise.

I attempted to talk with XXXX  who was rude, said he doesn't need to talk to me, and when I requested a supervisor he refused. NCS does not attempt to work with people when they have made an error and will not allow you to speak with a supervisor.

By them taking this money when they were not supposed to, it caused my mortgage payment to bounce and incur additional fees. I also lost time at work having to be on the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I paid for a service and was never even done I've tried to email the company several times and never received my services nor my payment. Chime will not even investigate this for me.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report.

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. 
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 BALANCE : {$0.00} STATUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 can not furnish an account without my written instruction 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. For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verif
y my identity or even respond.
Product: Credit reporting or other personal consumer reports

XXXX gon na get in big trouble with me Just how I file a lawsuit with XXXX I will file a lawsuit against XXXX For the last time those XXXX addresses on my client report doesn't belong to him ADDRESS MUST BE DELETED AND ANY ACCOUNT CONNECTED TO THAT ADDRESS NEED TO BE DELETED AND YOU HAVE 10 DAYS to make changes WE CONTACTED BOTH Capital one as well as XXXX AND CAPITAL ONE COULDNT VERIFY THE ADDRESS NOR MY CLIENT PERSONAL INFO SO XXXX ONE LAST TIME TO MAKE IT RIGHT BEFORE I FILE A LAWSUIT BECAUSE THIS ACCOUNT WAS DELETED LONG TIME VIOLATIONS FCRA SECTION 624 FCRA section 603 15 usc 1641A 15 usc 1666B will sue {$2000.00} per violation
Product: Debt collection

Citibank, 2018. I had major identity theft occur and the thief/thieves charged over {$7000.00} in charges on an Att Universal credit card. I continued to make payments on the card and also filed a police report. {$3900.00} was still owed on the charge card when I stopped paying on it. Citibank did not recognize the theft and has ruined my outstanding credit. My credit score was in the high 700 's and now is only in the low 600 's. I would like my credit restored because the woman from Citibank just got tired of investigating the hundreds of charges that were made. If she would have just taken a look at my spending history she would have been able to see the fraudulent charges were not made by me. I didn't notice the card was gone for a couple of months because I had been hospitalized for a XXXX XXXX  and didn't need my card for a few months because I was recovering. Please look at my credit history and see that I am and have been a responsible customer. They never even refunded me for the thousands of fraudulent charges that I paid for on that card. SINCERELY, XXXX XXXX alias XXXX XXXX
Product: Credit reporting

There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.
Product: Debt collection

resurgence capital resources is a big scam trying to get my to pay on debts i do not owe!!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX