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

On XX/XX/XXXX I disputed all inaccurate info and violations done by nelnet. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. Nelnet is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act
Product: Debt collection

XX/XX/XXXX I received call from Accounts Management Inc from XXXX XXXX SD. Female stated that I had a bill from XXXX XXXX XXXX in XXXX that was in collections for the amount of {$200.00}. I was a little confused and asked what. they stated that my husband, XXXX XXXX was the patient and they had a judgement for {$200.00}. I advised that XXXX and myself have not been married for well over 13 if not 14 years. I asked for the service dates to which she would not give me. She said that if I wanted my name removed I would have to produce my divorce decree. I advised that I in fact did not need to do that as we have been divorced for far longer than your statue of limitations. I called XXXX XXXX XXXX and after some research was told that my name was not in their system at all. My name or ssn did not appear in there system and was not connected to my ex-husbands accounts. I advised them that they may need to talk to their debt collection company as they decided to attach my name for some reason. They assured me that they did not have my name connected to anything and it should not be that way at Accounts Management Inc. I advised them that the collection agency they are using is using some illegal tactics. I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I pulled my 3 free credit reports from XXXX and after looking through my Experian credit report, I noticed some discrepancies and violations of my rights as a federally Protected consumer under Title 15 Chapter 41. I sent Experian a written dispute ( attached ) which they received on XXXX informing them that they were infringing upon my rights as a federally protected consumer. In this correspondence I informed them of rights that I had under Title 15 Chapter 41 and they ignored those rights and verified accounts on my report that should have never been on my report in pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction disputed. All these disputed transactions should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). 

The accounts in reference to the dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted all the requested documents to this company showing proof that I am a victim of identity theft from the IRS XXXX breech and the FTC report that they have requsted and this company fail to removed inaccuate inquiry from XXXX XXXX off my credit report and XXXX XXXXXXXX XXXX which was removed and reinserted without reason or knowledge. These inquiry and account are unauthorized and are not mine. I have also sent in my Social security card ID and proof of address with the correct address and this company fail to update my person information that clearly shows on my ID
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts, I didn't open these, nor did I benefit in anyway from them. I'm not sure how these accounts were opened. I did receive mail at previous addresses but now I've prevented that. I also received notice from XXXX in 2017 that my information was exposed in the breach. I've mailed in letters before but didn't send them certified, so when I called Experian and XXXX  the reps who were from outside of the USA had no idea of what documents I was refereeing to. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that oportun has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Product: Debt collection

The collection agency failed to notify me of the debt and allow me to settle the debt prior to filing 2 separate lawsuits for the alleged debts less than {$600.00} they received the accounts on the same day from the same debtor that are hospital emergency room bills. 
Then claim they could not contact me in their filings but other attorneys that surf cases were able to contact me in fact multiple attorneys contacted me to represent me at lease 20. With that being said I contacted Bassine Walterbach via email and certified mail and gave them my PO box so there would be no excuse for them to not contact me though my address is active. They never responded via email. However they did respond to correspondence for verification of the debt with the original creditor of which I don't believe they did but they submitted a slew of debts in their initial response however at this time I had not been served officially They gave me 30 days to respond to the alleged debt and to submit an offer however I didn't because some of the debts had been paid and some could not be verified via the name address and phone number they provided per their verification. I had attended 2 court hearings without being served and they were aware of my presence and I had submitted a request for a continuance prior to the first hearing on the first case requesting the cases be combined and have the same court date and stated the reasons why. After the first two court dates the court did schedule the cases to be heard on the same day however did not combine the cases even though in the record all the alleged debts were received the same day from the same creditor of less than {$600.00}. on one case the alleged debts dated back to the years XXXX and XXXX and were unverifiable via their source they provided to me. The other case the alleged debts dated back to XXXX or XXXX of which when they addressed me before serving me the debts owed were totally different that after they served me and it included a debt from XX/XX/XXXX that had been paid. Furthermore they were adding interest on non interest bearing accounts and it is my belief that the filing of two separate cases is to inflate the amount they could recover in a judgement because it was unnecessary to file two separate cases on such a small amount. I feel they were trying to exploit my poverty because I am poor because my bill they said they verified show payment through XXXX and only people who are retired or on XXXX get XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX '' card has been reporting to my credit report for XXXX and Experian since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through Experian. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and Equifax it shows a new account that opened XX/XX/year> from XXXX XXXX XXXX # XXXX. 

THIS IS NOT MY ACCOUNT, I NEVER OPENED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unusually large number of unauthorized inquiries on my Equifax, XXXX and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/ 2019. 

It is XX/XX/ 2019. As of today the inquiries have not been blocked per the FCRA regulations.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a made a payment arrangement for this account. I have paid the monthly payment as agreed and mailing it to the address I was given. 

In XX/XX/XXXX I received a letter that my account had defaulted due to non-payment, and was now with a collection agency ( XXXX  ). After many hours on the phone, I was told that Citibank only has a record of payment for XX/XX/XXXX and XX/XX/XXXX. The representative did everything but accuse me of lying when I told them that I had the canceled checks. I spent HOURS trying to get this resolved.

Finally, I went to the " Executive Response Unit '', at which point they discovered that they had applied the payments to the wrong account ( my husbands ) despite the fact that my payments were signed by me and included a sticky note about the payment arrangement, and were sent to a special address for payment arrangements and did not include a regular bill. In other words, their fault. Eventually they removed the payments from my husband 's account and applied them to mine. The Executive Response Unit ( which I have been dealing with for six weeks ) sent me a letter yesterday indicating that they were not going to respond to any of my other requests. 
( The agent at the " Executive Response Unit '' was XXXX XXXX, XXXX ) So, I HAD made the payments according to the arrangement, but THEY mis-applied them. They made no apology for all of the hours of my life I lost to this, of course. However, they are refusing to do two very reasonable things.

1 ) Remove my account from the collection agency and restore it to the original payment plan, which I was making as agreed all along 2 ) Correct my credit report, which had taken a huge hit from the " referred to collection '' report.
I am not looking to avoid my responsibility for this debt, only to be able to settle it as originally agreed. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating Equifax for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected XXXX : XXXX  XXXX XXXX XXXXXXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I received a reciept from someone who has account with wells fargo to transfer fund of XXXX and he gave me reference id XXXX and asked me to pay XXXX rupees XXXX on XXXX XX/XX/XXXX as International transfer tax charge. So I paid XXXX on XX/XX/XXXX to an XXXX account. 
Again on same day I received another email to pay XXXX as currency conversion charges. So on same day I transferred XXXX to same XXXX account. 
Later on Received another mail to pay XXXX as sn activation charges and gave me time for 48 hours. which I was unable to. 
After so many hassle after two weeks I was able to arrange the money. 
On XX/XX/2020 I again transfered the amount XXXX to an XXXX account but this time it was different account.. On XX/XX/XXXX again I was asked to pay XXXX as late fee. so on same day I tranfered the amount. 
After that on XX/XX/2020 i was again asked to pay XXXX to release the payment as currency conversion charges. After fee hours I am.again asked to.pay XXXX to release the fund. which I refused to pay they said if i make this payment momey would be credited within 2 hours. But after making payment I am askes to.pay more. So on XX/XX/XXXX i paid XXXX and they confirmed me i would get the money refunded within an hour. now again they are asking me to pay XXXX I asked who are this XXXX people they said XXXX income tax department. 
Every now and then I am being asked to pay. 
After my last payment there is no reply from wells fargo. 
I have attached few documents I will send once it would be asked
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the Equifax, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXXl XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : 1. Dept Of Education 2. XXXX, 3. XXXX XXXX XXXX,4. XXXX XXXX  XXXX {$25000.00}, 5.  XXXX XXXX XXXX {$12000.00}, 6. XXXX XXXX  {$12000.00}, 7. XXXX   XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2.  XXXX, 3. XXXX XXXX, 4. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX  XXXX, 9. XXXX, 10. XXXX XXXX, 11.  XXXX XXXX, 12. XXXX XXXX, 13. XXXX
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified XXXX, submitting my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being. I've noticed that XXXX shows an account balance of {$20000.00}, along with a credit acceptance account marked as collection/charge-off. This information was included in my identity theft report. I strongly urge XXXX, XXXX, and Transunion to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Loan # :  XXXX  Dear Dovenmuehle Mortgage In  XX/XX/XXXX  I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with  XXXX   XXXX  ID #   XXXX   who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00},  XXXX . This is so unfair when I have been sending information since  XX/XX/XXXX  and never received a call back from this company. Please help me.  XXXX
Product: Checking or savings account

As I conveyed to you today XXXX XXXX contacted me on Tuesday, XX/XX/2023 he asked me how much I could pay for rent that he was an Owner of some apartment buildings. He gave me the address at XXXX XXXX XXXX XXXX, and told me to call him at XXXX once I arrived at the building. He said that the apartment was unregistered and he would charge me {$1100.00} a month. I explained in the XXXX ad that as a good faith gesture I could pay the security deposit and up to 3 months rent but I couldn't pay no more than {$1100.00} and I was temping and looking for another job so at this time I wasn't working. 

When I arrived at the building I actually saw XXXX sitting on the steps across the street where he said he lived in a senior building. He opened the door and took me upstairs to the 3rd floor and I looked at the apartment. XXXX called him while I was actually in the apartment and I spoke to him from XXXX 's phone. I told him I liked the apartment. He said it was the XXXX holiday and I needed to put something down. I withdrew XXXX cashier 's checks for {$1100.00} from my Wells Fargo account and deposited them into account number XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. He then called on Monday, XX/XX/XXXX and said he had met with the other Owners and they needed another deposit of {$1100.00}. I went to Wells Fargo and did the same, depositing the XXXX check into the same XXXX XXXX and same account number. Although, he wanted me to deposit this last check into a XXXX XXXX which I never did because he said he would deposit the last check back into my account and then I could write him another check. I refused then he started getting upset and said obviously I didn't want the apartment. 

I had called XXXX on Saturday, XX/XX/XXXX and asked him if the apartment was still available. He said someone was living in the apartment. When I told XXXX he became upset and said I had no business calling XXXX that the apartment was being held for me. 

XXXX, I have filled out an application, a copy of my driver 's license, he has my social security number, I forwarded my bank statement and I sent them to XXXX XXXX ( XXXX ). I texted him ( XXXX XXXX and asked for my money to be immediately deposited back into my account via XXXX and that I was going to take him to court. Wells Fargo confirmed yesterday with copies that he has already cashed the three checks. 

Any help would be greatly appreciated since you know him.
Product: Mortgage

Company allowed ex husband to take out equity on the home without my approval. We are both on the deed and previous mortgage. I was not informed of this nor did I sign.