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

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

Request to Update and Correct Personal Information Dear Experian I am writing to request an update to my personal information in your records. Additionally, I am requesting that all outdated or incorrect personal information be removed and that only the updated information I am providing below and in the attached documents remain on file. 

Correct Information to Update Your Records : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Email Address : XXXX Phone Number : XXXX ( XXXX ) XXXX Outdated/Incorrect Information to Remove ( if known ) : Previous names, addresses, or other information no longer accurate : List outdated information if known, or Unknown information. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support this request, I have attached the following documents for verification : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., a recent utility bill, lease agreement, or bank statement ) Legal documentation for a name change ( if applicable ) Please ensure that any information not matching the documentation provided is promptly deleted from your records. I would appreciate receiving written confirmation once these updates and deletions have been completed. If additional information is needed, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been sent to Wells Fargo ( WFDS ) asking them to verify the inquiry that was placed on my credit back on XXXX/XXXX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
Wells Fargo ( WFDS ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. Wells Fargo response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove these fraud inquiries from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was made aware that two credit cards were opened fraudulently in my name as a result of identity theft. One of the cards was a XXXX XXXX XXXX by XXXX. I was told, by XXXX, that it was opened up on XX/XX/XXXX, online on the XXXX website. Someone then went into a XXXX XXXX, in XXXX California, on XX/XX/XXXX ( the same day ) and made a charge of {$810.00} for a hotel stay. This card was opened fraudulently online, and it was not me checking into the hotel in California. I live on the XXXX XXXX and have proof that I was in my hometown shopping at XXXX on the date of XX/XX/2018. I have proof of other transactions before and after this date showing that I was on the XXXX XXXX the entire time of question. I became aware of these activities on XX/XX/XXXX. I quickly put a freeze on all three credit reporting services. I called XXXX and told them that the card was opened fraudulently and to shut it down. XXXX said that they are closing the account as fraud, and that they will be sending me a Fraud Affidavit to fill out and sign. A Fraud Affidavit letter was never sent to me. I received a letter, dated XX/XX/XXXX, stating that their " investigation in now complete and our research indicates that the account is valid. '' I called them and told them again to shut it down. I then receive the bill on XX/XX/XXXX showing that I am responsible for the hotel stay. I again call XXXX and asked how come the transaction went through. I find out, that on the day the card was opened ( XXXX, online at XXXX XXXX   EST ) someone ( not me ) checked in with a PRINT OUT approval letter and credit card number ( not an actual card ) and showed ID to match to check in. So, XXXX for their fraud investigation, phones the hotel to verify if it is fraudulent. The hotel attendant states that it is their policy to check ID to verify the charge and that they did this for the {$810.00} charge. It is impossible that they had a physical card to swipe, because it had just been opened earlier that day, AND I received the physical card about 10 days later. XXXX is not reporting the card as fraud and I am responsible for the charge because the hotel it saying that they checked ID- that's their statement. I had mentioned in the beginning that two cards were opened up. The other one was a XXXX XXXX. I called them on the same day ( XXXX ), they shut down the card and sent me a letter dated XX/XX/XXXX, acknowledging that the application was fraudulent. Thus, I have proof that I was on the XXXX XXXX and NOT in California on XXXX, another card was opened fraudulently in my name, and XXXX still claims the card was not fraudulently opened because they believe the hotel attendant 's story about showing ID to check in with a print out approval letter for a card that was opened hours earlier. 
I can send related documents if requested.
Product: Mortgage

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating. 

They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

A payday loan taken out with The Cash Store sold the debt to XXXX XXXX XXXX. This is a few years old and they kept re aging the debt and reporting it as new which is illegal and against fair reporting standards. They refuse to update the account on my credit report with the correct date of delinquency.
Product: Student loan

I am off of Probation and in good standing with UHEAA. I called and spoke with XXXX to see what I needed to do, going forward. She explained I needed to restate my payment plan and I advised her nothing has changed and I would like to keep the payment the same. She explained she would send me paper work I needed to fill out and return. I received the paper work filled it out and stated I would be doing the Standard repay - understanding that my payment would stay the same. A short while later I get a notice that my payment is late. And, then I get a second notice that my payment is late and I am thinking they didnt receive your payment. I called and spoke with XXXX, he stated that UHEEA received my payment XX/XX/2019. So, I asked whats the problem- he said my payment went up to approximately {$190.00} - I asked why and explained to him - when I spoke to XXXX that explained I want to keep my payment at {$110.00} and I filled out the paperwork she sent me and sent it went my check. So, how can I be late? He put my account into forbearance for two months, I dont want my account in forbearance - When I send my last payment I sent the Forbearance letter back to them stating take me off of Forbearance. I asked him other questions as well, regarding holding my tax refund - he told me I would have to speak with a my tax guy! I tried to explain my question two or three times - he still didnt understand. Also, when I call UHEEA for information about my account, I get a recording to put in my SS and birthday - I put the info in - also my info pops up on their screen so they already know who is calling - then when someone picks up - Im asked to verify my info again - if I dont give it to them they refuse to help me - I feel this is extremely excessive and borders on harassment - of course UHEEA will say they have to verify who they are speaking with - who in their right mind calls UHEEA just to chat? Really? When the reality is -I have received different info with every person I have spoken with - no one knows what they all doing - except to verify a person who is calling about their account? I have seriously wondered if they hire High School Students or if the people are XXXX XXXXXXXX and Im not kidding!!! - nothing is consistent and refusing to give me information about my account after being verified at least 3 times? Its absolutely a ridiculous and a waste of time for them and me. I called once and the recording says there are busy leaving your name and number and we will call you back - UHEEA never retuned my call - the people in this company are absolutely incompetent! And Im tired of it. I just want to be sure Im doing what I need to do and UHEEA makes it horribly difficult!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my report that should have been remove due to improper use from a identity theft that has taken place This has greatly affected my life health and financial responsibilities I am unable to get approved for a house car or any kind of credit card This is affecting my mental health
Product: Debt collection

On several occasions Tavco Credit Services has called me regarding a medical bill that was given to them from XXXX XXXX. The specific representative I spoke to was XXXX. XXXX told me he was the manager and unfortunately I do not feel comfortable handling the debt with him because of his aggressive manner. XXXX was calling me every month asking if I could pay more for my medical debt. For the year of 2021 I was on a payment plan with XXXX of {$25.00} a month because that was all I could afford. This year XXXX called and asked if I could pay more because according to him " there is a lot of interest on your account and the {$25.00} a month isn't getting you anywhere. We also can not accept {$25.00} a month and the least we can do is set you up on a payment plan for {$50.00} a month. '' I told XXXX I could not do that and that I would just pay {$25.00} a month on my own when they call me. He called me a month later and I paid over the phone. XXXX told me that I could not do that anymore and that I would need to mail them a check. The last time I spoke to XXXX he told me the last payment they received was in XXXX and that was not true because I made a payment over the phone more recently than that. XXXX got frustrated and said " I don't understand why you can't just drop off a check in the mail, thats unheard of. '' He also said " your an adult you we aren't here to help you with your finances. '' I was shocked that he was talking to me this way because before he was somewhat professional. Now, he was taking it personally that I wasn't paying the amount every month he wanted me to pay him like I personally owed him money. He also said " like you said this specific bill isn't a priority to you '' like he was mimicking me. I told him yes this isn't a priority I am a student and I have a mortgage, I rather make sure I have food and a place to live then to pay more for this medical bill payment plan when I absolutely do not have the money. On top of that this is none of XXXX 's business. He was acting so unprofessional, aggressive, and rude that I told him I do not appreciate the way you are talking to me. He said " I know it's hard to accept that you owe us money, I get it, but this is your responsibility. '' I said thats not the issue for me, I want to pay this, but your not accepting that and I can not pay more than {$25.00} a month. I asked him if I could speak to the manager and he said " I know what your trying to do here and I appreciate it but I am the manager. '' I could not believe that he was the manager. Someone needs to monitor these calls because this behavior is totally uncalled for and unprofessional. Why would I want to call and work with them when they are treating me this way? So ridiculous. People like XXXX will manipulate others and scare them to get them to do what he wants. Luckily I have some experience with debt collectors because I used to be a XXXX XXXX. I feel bad for anyone who has to work with him and his tactics to scare people who do not know any better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and electronic request on XXXXXXXX XXXX  site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my XXXX wrote a check to my name as a XXXX gift. The amount of the check was XXXX. My XXXX bank is XXXXXXXX XXXX from XXXX XXXX and the check number is XXXX. I endorsed the check " for deposit only account # xxxx '' and mailed it to my banks XXXX branch ( Bank of America ). 
I have not received the money into my bank account as of today ( XX/XX/XXXX ). 
However we have placed several claims to both banks which keep shifting the responsibility to the other and closing our claims. 
XXXX XXXX indicated to us that the check was cashed XX/XX/XXXX by Bank of America. However, the money never made it to my account. it was not deposited into the account I specifically indicated on the back of that check, issued to my name. We have a copy of the cancelled check ( front and back ). We do not know at this moment where this money went or where it can be. My mothers bank account does not have the money as it was " cashed '' /withdrawn, nor do I have it in mine. I have not benefited from it. 
The check issued to my name, was not signed. It was endorsed " For deposit only into XXXX account ''. It could not have been chashed, only deposited as indicated in the endorsement.
Product: Debt collection

TO BUY XXXX XXXX,, I CHECKED MY CREDIT SCORE.. 
MANY CREDIT CARD OPENED, AND THAT IS BIG AMOUNT OF DOLLORS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquires on my credit report with JPMCB on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. i also have file an identity theft report with the federal Trade Commission
Product: Bank account or service

I recently opened a savings account with Navy Federal Credit Union and was NOT told that they would perform a hard credit check as part of the process. I later found that the credit check release was in the account paperwork and they did not inform me that they would be doing a credit check. I found this highly deceptive and has impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrectly reporting wrong information in my personal information like my name and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding two accounts only Equifax report. They are 2 accounts that are not included in Bankruptcy. XXXX assured me that they would correct the problem. The credit report was corrected and then updated again to an Incorrect status. This has happened twice. When I call Equifax, I am advised that I should contact XXXX. When I contact XXXX, I am advised to contact Equifax. I have the documentation from XXXX showing that the accounts should not be in bankruptcy.. Please help.
Product: Bank account or service

Astoria Federal Savings Bank now know as Astoria Bank on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS.
Product: Student loan

I am still in school, enrolled XXXX/XXXX XXXX. FedLoan Servicing has issued a bill due in just a few weeks, claiming that I am required to begin repayment. 

The website 's " frequently asked questions '' indicates that individuals in this situation should not " worry, '' but should simply request a forbearance, claiming a reason of financial hardship. This a suggestion to commit fraud, as I am not experiencing financial hardship -- I am still in school at least half time, and I am therefor not required to begin loan repayment. 

I have attempted to contact the company three times via their online support request in the last two weeks. I have received email confirmation of all three requests, but have not received a single response.
Product: Mortgage

I have filed other complaints on Wells Fargo about a disagreement with reference to late payments. There response was they stood by there statements that I was late on several occasions. However, I received a written statement from them admitting that they were in error and they apologized. Their error caused me thousands in interest and other costs as I could have refinanced the mortgage and lowered my payments. I only have 10 years left on the mortgage and I would like to move on to another lending institution. However, I can not due to Wells Fargo stating I was late on payments which lowered my credit score. They are also attempting to escrow my taxes which I do not agree to. I have had the mortgage for nearly 21 years and taxes are current. There in no reason escrow the taxes and insurance and mortgage statement does not give them the authority to do so. Again, the account is nearly 21 years and I have always had Insurance. There was an insurance error on the policy relating to date of coverage ( XXXX XX/XX/2020 ) which is less than 30 days. I had coverage for this time period and I am waiting on a response from my insurance carrier. The policy I have costs around {$1300.00} - {$1400.00} per year ( less than {$120.00} per month ). The time period in question as stated above, Wells Farog charged me a premium of {$200.00}. As you can see, the unfair financial practices continue
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX  ACCOUNT : XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

THE ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD. 

DELETE THIS FRAUD CARD FROM MY CREDIT REPORT.
Product: Debt collection

On XX/XX/22 received 11 calls in 10 mins. On XX/XX/22 received another 18 calls in 3 mins. On XX/XX/22 received another bill of calls. I have screen shots of all the history. Have called ford to get them to stop and was told no.