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

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According XXXXo FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive notified Experian via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.
Product: Mortgage

On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; XXXX XXXX XXXX XXXX. ( Please see attached loan modification agreement from XXXX XXXX XXXX XXXX ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with XXXX XXXX XXXX I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to Bayview Mortgage Servicing ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX XXXX XXXXXXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of 6.5 % to 4.5 % thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either XXXX XXXX XXXX or Bayview loan servicing. I contacted XXXX XXXX servicing and Bayview loan servicing several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither XXXX loan servicing or Bayview loan servicing will give me any answers. They continue to tell me that they will look into the matter and get back to me a cdouple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
Product: Money transfer, virtual currency, or money service

The banking app XXXX  was used by someone who has abused me in the past to send a highly offensive and abusive message to me by sending me a money transfer of {$1.00} to my Chase bank account through XXXX. Here are the details of the transaction that occured at XXXX XXXX on XX/XX/year> : XXXX XXXX XXXX you money Here are the details : Amount {$1.00} Sent on XX/XX/year> Transaction number XXXX Memo i XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. YOU are XXXX XXXXXXXX XXXX follow you. XXXX. XXXX is, earth angels like XXXX. 

XXXX XXXX is registered with a XXXX member bank that supports payments in real time, so your money will usually be available in a few moments.
Product: Credit card or prepaid card

On XX/XX/2022 I paid {$150.00} deposit for an item which full price was {$490.00} on an product which had not been manufactured yet. I purchased the item from an on-line store XXXX XXXX XXXX. The payment was made via a Visa card through CapitalOne. 

The manufacture of the product did not have the item manufactured until XX/XX/2022. On XX/XX/2022 I contacted the store I made the deposit payment to, too send me a bill for the balance owed to complete the purchase. I made multi attempts to contact the merchant and XXXX XXXX XXXX did not respond to my multi messages so I contacted CapitalOne and opened a dispute with this merchant. 

I submitted a document with all information showing how this merchant has taken my {$150.00} and stopped responding to me about the product I had paid a deposit for. 

CapitalOne has refused to refund my {$150.00} and has let the crooked merchant keep the money.
Product: Credit reporting or other personal consumer reports

I have been disputing with XXXX, Experian, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, Experian, XXXX and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, EXPERIAN, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

an updated consumer report with inaccuracies removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I have a home equity loan with US bank. 
An internal error has shut my access to this money. 
This is an internal bank error and I have tried for several weeks to get this resolved. I have gotten nowhere, and I am completely frustrated with all the excuses as to why nobody can resolve this. 
US bank claimed the property taxes on the collateral property were not currently paid. I faxed a copy of my tax bill, which showed all taxes are paid up and no taxes owed.
Product: Credit reporting or other personal consumer reports

My student loan from XXXX has been paid in full by me. While the other credit reporting agencies have updated this information, TransUnion has refused to, even when I filed a disputed. They show it still open. I have to assume this is because of my prior complaint regarding my credit score. There is now a XXXX point difference between my TransUnion score ( XXXX ) and other agencies ( XXXX ). 
Do I need to hire a lawyer? Does TransUnion need another class action lawsuit, such as the XXXX XXXX they had to pay out to renters for refusing to correct credit reports? 

This is completely unacceptable. FIX MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is intentionally misrepresenting that there is a balance on my XXXX XXXX visa ending in # XXXX and fraudulently " verified '' that the entry is accurate. Background. My XXXX XXXX visa was reported with a balance and I contacted XXXX XXXX to correct it. XXXX XXXX informed and instructed me to contact Experian because they could ( or would not ) take further steps. I filed a request for investigation with Experian accordingly, which resulted in " verification '' if the inaccurate balance and no change to my report. Becuase the information is false, I resubmitted my request and included a letter from XXXX XXXX confirming that I have no balance owed on the card, together with the most recent payment history. XXXX XXXX  informed me that they " don't control '' what Experian reports and I must contact Experian for correction. Notwithstanding the letter confirming that no balance is owed, Experian again fraudulently " verified '' that the reporting balance is correct. It is not correct. Finally, I note that I have had repeated struggles with Experian reporting accurate information. In some previous cases, it took months for me to get accurate information reflected in my report and Experian is never willing to take responsibility, as Experian usually dismisses - without explanation as to why the inaccuracy persisted - that the information changed precisely as I had complained it should.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX  XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information incorrect and promotional items showing after a block. I need a full report with all the pages.
Product: Checking or savings account

XXXXXXXX XXXX I noticed money missing from my checking account. I notified Wells Fargo that over {$5000.00} was fraudulently taken using my debit card. Today received a letter stating they could not do anything about it. Submitted a fraud claim with well Fargo XXXX, on XX/XX/XXXX Police report on XX/XX/ with the XXXX Police XXXX. Called Wells Fargo to XX/XX/ to be told the claim is closed.
Product: Student loan

I submitted my employer certification forms for forgiveness of my student loans based on the Public Service Loan Forgiveness program on XX/XX/XXXX. These certifications covered XXXX, XXXX through XXXX, XXXX, all of which were qualifying employment for the PSLF program. The submittal page indicated it would take XXXX business days to process, which I understand is normal. These forms were all submitted as part of the same packet. On XX/XX/XXXX, my account was updated to reflect the forms were " processed '' and a notice would be sent within 7-10 days. On XX/XX/XXXX, a payment tracker appeared in my account. On this payment tracker, the period from XXXX XXXX XXXX did not appear in any part of the tracker-either the eligible or ineligible period. This period of time was not on a pick list or part of any count. The rest of my employment was displayed except this period. 

I contacted MOHELA via live chat on XX/XX/XXXX to inquire as to why this period was not appearing in my account at all. The individual responding to the chat, XXXX, indicated my forms would be submitted for reprocessing to include this employment in the count. I asked how long this would take, and XXXX indicated it would be another 90 business days. The PSLF Form Status on my account also indicates it will take another 90 business days to review the same documents. I have not received an explanation as to what happened to cause this reprocessing to be necessary and it is especially confounding given the rest of the forms or periods of time appear without issue. 

This is an unacceptable administration of this program. These documents were in the same packet and there appears to be no way to track where these documents are in the process. The idea that it will take another 90 business days to " reprocess '' when they already have had the information for three and a half months is absurd when my financial future is hanging in the balance and I have been eligible for forgiveness for months.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX at about XXXX pm, I received an email from Wells Fargo that a wire transfer in the amount of {$22.00}, XXXX had been initiated on one of my Business Accounts. I immediately called Wells Fargo. I was on hold for XXXX minutes awaiting service due to " unusually high call volumes ''. Once connected I asked for a fraud representative. I told the man, " XXXX '' that I had not approved this wire transfer. He attempted to stop it as it was " in progress ''. He thought he had stopped it but handed me off to a more senior level fraud person, " XXXX '' who told me it was not in progress but had been completed. The fraud transaction was likely happening while I was on hold. I have never run a wire transfer out of this account, I only use it to hold funds, then transfer them to another account for wiring. I immediately filed a claim and they told me I would have to wait ten days for a decision. I received the decision today, XX/XX/XXXX, denying my claim and advising me that either I did the wire, or someone using my password and username did the transfer. Of course someone had my password and username, but their algorithms should have caught the transaction as it did not fit with my profile and was obvious fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I was informed from my bank when I applied for a loan that there was collection accounts on my credit report. I was unaware of this Company, LVNV Funding LLC . I put in a dispute with credit bureau and it is still pending. In the meantime I had joined a website called collection shield XXXX that helps consumers dispute collection accounts, this was in XXXX 2016. To date I still have yet to receive verification of the debt LVNV funding says I owe and was served with a summons to local court. The papers state this is for a charge off account from XXXX XXXX Bank. Upon further investigation I found that LVNV Funding is owned by XXXX XXXX Bank. So is it legal that they can even sue? I did find XXXX bank to also be on my credit report and it states that account was charged off and was sold to LVNV funding. How can it be sold to a company they own ... and how can they sue me if account is under investigation and in dispute and they have n't even verified the account.
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ; 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and Transunion Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$41000.00}
Product: Student loan

I have been paying {$5.00} per month for my federal student loans forever. Today, I received a bill for {$100.00}. This amount will be taken out of my account as I have recently had direct debit with my bank and XXXX XXXX and before that it was another servicing company, XXXX XXXX. They both tricked me into getting my bank info thinking I would not be late on a financial hardship loan payment ever again. 
I barely live paycheck to paycheck, I pay all my bills but this one I can not afford! They tricked me! I want to cancel my bank information but they have not gotten back to me.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.