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

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  {$4800.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX  {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$89.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet student loan reported one late payment to the credit bureau that completely ruined my credit that I had been building over the past 5 years with them. I have continuously made payments every single month on all of my accounts for over the allotted amount, and they have always accepted my money. However, they still reported me making my credit score fall from an A to D. I had no idea they had even reported me until my bank ran my credit and notified me. They were unforgiving and would not reverse it saying I had made one of the payments to the wrong group. They said the payment should have been made by XX/XX/XXXX but was not made until XX/XX/XXXX and even after my payment was made on XX/XX/XXXX and up to date, they still reported me on XX/XX/XXXX which led to ruining my credit. Beware of Nelnet they are very unforgiving!
Product: Money transfer, virtual currency, or money service

Unable to connect my account to XXXX XXXX  app
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect zero therefore should not be reporting on my credit profile XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold
Product: Checking or savings account

I noticed that WF is charging me a {$12.00} a month fee for Identity Theft Protection - I just recently noticed this charge - and completed research that shows I have been charged this fee since  XXXX   2012 . I know I was not provided clear verbal or written information regarding this fee. I sent a message through the online website and was advised that they will not provide evidence that I was aware of these charges. Considering the recent settlement s of WF sig ning up customers for products they do n't want/need/are unaware of, it appears that I am in the same boat. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX  XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 Equifax XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.
Product: Checking or savings account

XX/XX/2023, I received an email from Bank of America that an application for a new bank account was being processes. A few minutes later another email came thru stating the account was approved. I contacted BOA the same day to inform them that I did not apply to open an account. After the phone call I was instructed to go into a branch to file a fraud report because I was not comfortable giving my information over the phone. I filed a fraud report inside the branch and received an affidavit a few days letter to fill out. I had to submit copies of my social security card, drivers license, and a utility bill to prove who I was. I had several phone conversations during the weeks to make sure they had all information needed to close that account. On XX/XX/2023 I received and email stating that the account was closed. I also received a letter as confirmation. My issue with this is I have a freeze on my social security number due to previous fraudulent activity. I checked my credit report and I did not see any inquiries from Bank of America which should have occurred if someone applies for credit. Even if they inquired, I have a freeze on my social security number so it would be blocked. I believe Bank of America opened this account without my knowledge. I want to file a complaint to uncover how this account was opened and if Bank of America did in fact open this account and put me through drastic lengths to close an account that they opened fraudulently. 
I found this very disturbing that someone can open an account online with my information with ease but I have to go through drastic lengths to prove who I am even while being physically inside a branch with my identification.
Product: Credit reporting

XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the company XXXX  ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, XXXX  failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND XX/XX/XXXX they fail to respond back as they continue to report items that does not belong to me
Product: Credit card or prepaid card

Synchrony Bank billed me {$230.00} on XXXX XXXX credit card statement with no explanation of the charge. XXXX XXXX says they did not charge my card. I submitted a fraud inquiry to Synchrony, they said it was fraud, can explain what the charge is for and demanded payment. I paid the charge to avoid finance charges and fees.
Product: Debt collection

Threaten to levy my bank account. XXXX on XXXX as my only income.
Product: Debt collection

Discover card. Not my debt, Ive disputed it multiple times and had a credit dispute agency do the same. Theyre refusing to remove the debt off of my credit report.
Product: Credit card

I have been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I checked my credit report and I think it is wrong. I was told I have the right to have an investigation performed. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX for an amount of {$8300.00} XXXX XXXX XXXX for an amount of {$3500.00} XXXX XXXX XXXX for an amount of {$2200.00} XXXX XXXX XXXX for an amount of {$1200.00} On XX/XX/2023 I sent a request to provide a copy both front and back of the alleged original contract/ agreement/ promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct and complete, upon the commercial liability of a proper of a properly identified and authorized XXXX, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/ agreement or promissory note. 

I requested they provide verification and documentation that there is a valid basis for the companies charge-off of the alleged debt. 

I requested they provide proof that the alleged debt has not already been satisfied by any means available including but not limited to a tax write-off or insurance claim. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete the item of information from the file of the consumer.
Product: Mortgage

On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.
Product: Checking or savings account

My driver 's license was stolen back in 2019, and several bank account ( s ) were opened without my knowledge, and fake check ( s ) were deposited into said account w/o my knowledge. My personal number was SIM swapped back in XXXX of XXXX, so I had to file a police report, and include a FTC ID Theft report with all of the account ( s ) that are fraud, and a notice to furnisher ( s ) as required by the FTC. I've gotten letters from the FBI Victim Services team, whom help me prepare the FTC ID Theft Report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Persons calling say they are from Comenity Bank. They call repeatedly all times of the day after I spoke to them. They called my ex-husbands entire family about this debt after being asked not to call. At this point its harrassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been stealing my identity since 1996 and until now I realized that it is the first time that I request my credit report. The date of birth is incorecta. several directions I have not lived, that person has bought a car with my name, travels to different countries, purchases in different stores. I need to know what is the proseso to solve this problem and sue this person for fraud.
Product: Vehicle loan or lease

Carmax Auto Finance XXXX # XXXX is continually reporting late payments yet Ive never been late paying my auto loan here is a list of incorrectly reported late payments by carmax auto finance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX Ive read many complaints from other consumers and have realized that this is an on going practice of Carmax Auto Finance.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am writing to dispute a hard inquiry on my Equifax report due to fraud on my credit report that someone tried to open an account with or a bank card with my social or my name because me and my father have the same name but Im a XXXX and there were other times that I have had to dispute charges on my credit report because the address that I were getting in the past were in XXXX, South Carolina and he stays there and I have no way of contacting him and Ive never met him and some of my past fraudulent reports had that area address and Ive been always reporting it. Im reaching out because it is with a bank I do not have an account with is XXXX XXXX XXXX  XXXX and was open on XXXX XXXX and I was seeing if this matter can be looked into further so I can be able to get this charge disputed off my credit report because I dont not bank with them I bank with XXXX XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX indicates on my consumer report that was written off in XXXX XXXX but was recently updated to reflect the status of the account as being open. This is inaccurate. If theres an open account, it does not belong to me. I do not have an open auto loan with XXXX XXXX. Is this a result of the breach of data? As a result, this needs to be removed from my consumer credit report.
Product: Mortgage

American Financial took two payments from us during transfer of mortgage to XXXX. They sent one payment to the new mortgage but not the second. We have tried numerous times to resolve this between both companies. Sending bank statements of payments, email confirmations of payments with no resolve. Numerous hrs on the phone explaining this story to several people and our money is still missing.payments made to American Financial on XX/XX/XXXX and XX/XX/XXXX. First payment finally transferred to XXXX on XX/XX/XXXX. Second payment American Financial admitted to sending back to themselves instead of sending to XXXX. They refuse to solve this matter and both companies are not communicating with each other. Our money is gone from our account and had not been applied to our account for monthly payment of mortgage. American Financial should never have taken our payment if they transferred us without proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting

I have filed several requests to have information on my report ( as outlined in the attachment below ) blocked from my report under FCRA 605b due to identity theft. To date all Experian has done is send a form letter each time telling me that my identity theft block request is not valid because I have failed to provide the required information and gives a list of information I should send. I have sent all information on the list provided each time I request Experian to place the block. Why is my block request not being completed? 
I am not asking Experian to open a new investigation of these identity theft accounts, I am asking them to block accounts within XXXX business days as per the FCRA. 
Attached file contains my report to Experian specifiying which accounts to block, all my identifying information ( full name, list of addresses for past two years, social security number, date of birth ), a copy of my valid identification, a copy of XXXX utility bills in my name listing my home address dated within 30 days, a copy of the police report I filed in regards to the identity theft, a copy of my completed FTC ID theft Affidavit including law enforcement information. I have provided everything on your list. Please do your part and block the accounts.