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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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 is not information relating to any transaction by the consumer. 


XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent account from my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Student loan

I graduated in XXXX and started making payments shortly thereafter. I was a single mom going through a divorce and had a hard time making payments a couple times. I think the total I borrowed was {$23000.00}. 
Starting in XX/XX/XXXX to XX/XX/XXXX I paid {$300.00} per month. From XX/XX/XXXX to XX/XX/XXXX I paid {$350.00} per month. Just in the total amount of money I've sent them without interest that exceeds what I borrowed. 
I have tried to figure out how they have handled the money I sent them from XXXX to XXXX, but I can't figure it out. Many years ago I tried to talk to them on the phone but all the response I could get was " it is interest, it is interest, '' from someone in a foreign accent. 
I am XXXX and am retiring at the end of XXXX, from the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am a veteran. I haven't qualified for any of the forgiveness programs I applied for over the years. I don't even know where to begin to find out if my loan has been mishandled. 
Please help so I don't have to continue paying this from my social security check. 
Thank you so much for your time. 

PS : I was stationed at XX/XX/XXXX and XXXX XXXX XXXX. In the XXXX I was stationed at XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Student loan

Good evening, As a single mother with a household of XXXX ( myself and XXXX kids ) and a household income of about XXXX I have always found a way to hold up my end of the bargain with any financial agreements. Since setting up payment arrangements with the servicer of my student loan I have consistently made on time payments as per my agreement, unfortunately I was recently apart of a company wide lay off causing me to fall behind on my payments. It 's no surprise the servicer still expects payments! On top of this, per reading my recent annual credit report I realized the servicer has XXXX derogatory marks on all XXXX of my credit reports with each credit bureau. This hardship is emotionally draining as well as stressful, this has stained my credit causing lenders to deny me due to an error on their part reporting incorrectly. I desperately need a remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ Dear Consumer Financial Protection Bureau, I am in search of housing and need a credit score. The above mentioned are interested parties. I am unable to pay for a credit score, as I do not seem [ yet ] eligible for a bank account. I was furloughed and have not yet been able to make it back to my office. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Chexsystems will not accept my request for their credit report. The online system will not ACCEPT the application because of an expired drivers license. I no longer drive and do NOT have a drivers license. There is no other way to provide an alternate ID like a passport. There is no way to contact ChexSystems by phone, it is always automated and a human can not be reached. They are required BY LAW to provide my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Checking or savings account

I was unable to pay bills, do XXXX XXXX, do shopping, it caused me a lot of distress, I was unable to do grocery shopping, I was unable to buy food for other people that I had promised, since I wasnt able to buy groceries, this defended my character, it made me look like a person that has no money or brakes promises! I was laid on a few bills I was laid on my rent, I just left a lot of people, including myself very unhappy and very stressed out, I asked them what was going on was why wasnt I able to use my card and they gave me a lot of back-and-forth, at the end of the day I am only a consumer I dont have time for all of this and figuring out what U.S. Bank is doing, all I know is I deposit money in my bank and I want to use it they told me I had limits on my account Which they never told me that in the beginning of the process, they just flat out lied to me one minute they said that I had a limit on my account and I couldnt raise it until 12 months the next minute the representative told me that thats not true, but I still had limits on my card, it made me default on some payments. It made me go negative on some payments, and I owe because of that. They stopped my card too and made me go to the bank to get another card..I went and the tellers didnt understand why I needed a new one and there was nothing wrong with it! No one knows anything there! My cat XXXX could do a better job! This isnt right! People starved and looked at me like I was a no good liar..I couldnt cook XXXX they stopped my XXXX orders in mid route too smh
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

This bill account was set up to pay my mother 's bills after my father passed away. While I was being email bombed, I was busy deleting emails from the last couple of days in XXXX to XX/XX/XXXX and I came across an email that said I sent a transfer to someone named XXXX. I immediately called Wells Fargo about the transaction and found out transfers had been happening all that week. I did not make the connection that the transfers and my overwhelming emails were the same problem. After talking to the bank, freezing my accounts and opening another one, and submitting a fraud claim, I went to my email and changed my passcode. After doing that the emails stopped. There is history showing that the only thing I use the account for is to pay bills. 

Today I received a letter stating that their research showed the transactions were made through a secure online banking session by me or someone who had authority. They said they could not disclose how it was done and where it was done. When I was on the phone I let them know I use my Apple Pay daily but never let anyone have my personal information. 
I am confused that XXXX was taken with my consent. I would never do that to my mom. The only other person on the bank account is my XXXX XXXX XXXX. My mom does not know how to do anything online. My sister lives in XXXX and would not do this. Please help me understand what happened. Wells Fargo is asking for evidence that I did not do it. The only thing I have is all the emails I had to delete that preoccupied me from seeing the earlier transactions. How can I get this money back? 

XX/XX/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 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

I mailed a letter XX/XX/year> confirming the incorrect residential address for myself. The credit bureaus have not updated my credit profile in over 30 days. I called in to get a resolution and they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2021 my student loans with XXXX  XXXX servicing were transferred to cornerstone lending. I then refinanced them with XXXX. The account still shows as open on my Equifax credit report. Both XXXX and XXXX have updated my credit report to show the accounts as paid and closed. Unfortunately Equifax refuses to do so. I have submitted multiple requests to them to update my credit report and they continue to deny the request. I have included a letter from XXXX servicing showing the accounts have been paid in full and are closed with a {$0.00} balance.
Product: Credit card

This fraudulent crooked company makes it almost impossible to pay your bill and will deliberately hold your payment to make it late. There customer service reps ask for social security numbers but have no access to o anything and none of there reps speak XXXX go figure
Product: Checking or savings account

Me and two other business partners deposited a total of XXXX into a new business account on XX/XX/XXXX. Chase has yet to release the funds into our business for verification. I have been in the chase branch in XXXX NY working with the local bankers providing information on what Chase says is needed but that is still not helping. It has almost been a month and we still do not have access to the funds that Chase is holding. I do not understand why it is not available as the funds came from three personal accounts of people who are the owners of the business.
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 2 out of 3 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. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

ubject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX XXXXXXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit reporting or other personal consumer reports

i reviewed my credit report and i seen some unauthorized auto loan, credit card and hard inquiries i did not apply for which violates my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provide in section 15 USC 1681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquiries in collection with a credit or insurance transaction that is not initated by a consumer inquiries : 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 card

CITI XXXX credit card. My account mailing address was somehow changed and attempts were made to use the card to open additional credit. This was reported to me by both XXXX XXXX and XXXX. Then I got a card from XXXX stating that my " freeze '' had been permanently lifted. I don't know if the card is really from XXXX? When I contacted CITI they placed my account on hold and told me a letter would be sent with a " register number '' but I did not receive because it was sent to the fraudulent address. I contacted CITI again and according to them a letter was resent but without the " register number '' they can't tell me if it was sent to my address or the fraudulent address. So we are in a loop. I was asked to wait a few more days to see if I receive the letter and " register number ''.

The question is how can someone get into my account and change my mailing address, but I have to wait a minimum of over a week, in my case now over two weeks, to find out how to fix the problem. To be fair, the fraud alert system at CITI, XXXX, and XXXX XXXX worked well. The CITI representatives have been pleasant but can't work around their process. XXXX XXXX is always very helpful. XXXX somewhat difficult but credit is frozen and fraud alert in place for one year. We will see what happens next?
Product: Credit reporting, credit repair services, or other personal consumer reports

i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX loans was transferred from XXXX reporting inaccurate information on credit bureau reports with XXXX XXXX Equifax and XXXX. 
The credit report indicates the former servicer XXXX on all three credit bureau reports and does not indicate that the federal student loans are in forbearance by the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three 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 include it again. Kindly correct the following items : 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 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 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

I have disputed the date the account was closed with XXXX XXXX. They have refused to provide a closed date on Equifax and XXXX and is reporting a closed date of XX/XX/year> with XXXX. 

If the closed date is XX/XX/year>, I should have had access to the card as of that date. 

Account number XXXX
Product: Student loan

I attended XXXX XXXX College in XX/XX/XXXX-XX/XX/XXXX. I finished the program. Going forward with my education I was unable to use the school information. Nothing transferred to other schools. I was lied to constantly about being an accredited college. I found out that they used students financial aid by documenting that we received bus passes etc. I owned my car so I never needed a bus pass! Please help guide me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

ON OR ABOUT XX/XX/, BANK OF AMERICA REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.
Product: Debt collection

I had my identity stolen for this and other pay day loans and taxes. It should also reflect in my personal social security information. Ive had the other pay day loan companies remove from my credit profile but Speedy Cash is very persistent. I also Im given a PIN number to file my taxes every year because of this. Ive tried for years to no avail and is hurting my opportunities to get mortgage and extended lines of credit.
Product: Debt collection

This complaint is against Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I have attempted twice sending out dispute letters via certified mail to Portfolio Recovery Associates LLC. on XX/XX/2018 andXX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$800.00} account # XXXX. At this time Portfolio Recovery Assoc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX. I have not gotten a response from them with proper verification.