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

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

The company is Navient. I got behind but am working on getting caught up. I paid XXXX $ last month ( XX/XX/XXXX ) was told that it would get my loan back on track, got an email a few days later stating that I owe XXXX . I call to set up a payment on X/X/17 and the guy on the other end asked if I wanted to pay XXXX $ to get caught up. I said no I want to set up a payment for X/XX/17 for the amount of XXXX $ ( all I can afford ). He asked about my phone info and I told him that I give it every time I talk to someone from this company. They do n't save my basic information. My mom goes online and it says that my payment of XXXX $ is past due. So having been told of numerous different numbers, I do n't know which one to believe. They call at all hours of the day and night. Never leave messages. And after I make a payment they blow up my phone again. I cant deal with the harassing calls, the lack of knowledge how to save basic information. It 's causing stress and my lack to finish my degree, I 'm only 5 classes from completing. Please help me get through to these people. I 'm tired of dealing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I have tried to get onto the US Relicard site and it says I am locked out, call the number on the back of the card to reset password. I call the number, it says invalid number. What is the correct number?
Product: Bank account or service

Wells Fargo has not allowed me to utilize the mobile app since XXXX 2016, and the only ATM in XXXX has been disabled from receiving deposits for several days. When I called Wells Fargo to discuss these issues, I spoke with someone who was happy to apologize profusely, and tell me that he would do something about it, but he never did to anything about it, and we did n't make any progress. 
Since i 've had this issue with Wells Fargo repeatedly, i 'm reaching out to you in the hopes that they will treat you with greater respect than they do me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit card

XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.
Product: Debt collection

I was contacted repeatedly on XX/XX/2019 from a company. They asked to confirm my DOB and last XXXX of SSN but I told them that I wasn't aware of there company or debt with them. I asked for the name and address of the company but the representative said that he couldn't give it to me because he had to confirm my info first. I declined and he hung up. I called the number back and I asked the representative that answered for the name and address of this company. She wouldn't give me the address but gave me the name Halstad Financial Services. She told me to look them up on the internet. I am not aware of any debt that I have with this company. I asked them to mail me a validation letter and they said that they couldn't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus Equifax, XXXX and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX & XXXX XXXX GENERATION
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, Experian and XXXX fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but TransUnion and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXX/XX/XXXX {$120.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX creditor : 01 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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, credit repair services, or other personal consumer reports

The three credit reporting agencies ( Transunion, XXXX, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. Transunion and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, Transunion, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( Transunion, XXXX, XXXX ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA  is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX Inaccurate Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX  XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, there were several accounts that were removed from my consumer file due to them being part of my identity theft. on XX/XX/year> they were all added back without notifying me in writing 5 days prior per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) if the CRA reinserts the information, it MUST notify the consumer IN WRITING within ***FIVE BUSINESS DAYS*** of doing so. I was not notified of anything. These items were listed on my identity theft report and per FCRA 605 ( b ) there were removed, and then reinserted without notification. I have attached the original letters that were sent out showing dates, as well as screenshots showing the accounts removal date ( XX/XX/year>XXXX  ), as well as the date that there were reinserted without any written notice ( XX/XX/year>XXXX  ). 
They are already in legal trouble per 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ) reference CFPB File No. XXXX for similar violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is not licensed to collect debt in Michigan. The companys name is Hunter Warfield. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$4600.00} This company is attempting to collect a debt that is not owed to them. I never signed any agreement with this creditor. They called me multiple times & harassed me to the point where I had to change my telephone number. This company is also reporting on my credit bureau reports. I attempted to have the debt validated and the company was unable to validate it with a signature page.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing a forensic investigation and analysis on the three XXXX 's investigation, the three XXXX 's have still failed to conduct a reasonable investigation on the items presented to them by me. Also, I have found that there are inconsistencies in the three reports that might be due to the Metro 2 format. I believe Experian, XXXX, and XXXX use a system called E-Oscar to handle investigations. I have asked the XXXX 's to not rely on this system because it is not 100 % accurate and it is not fair. On XXXX/XXXX/2022 I spoke with experian 's rep XXXX XXXX about my concerns, XXXX XXXX was very rude and confirmed that experian is going to continue to violate my rights under the FCRA, " does not care, and that I am wrong about my privacy rights '' .-XXXX XXXX  XXXX 

Attachments included. 

Legal action has been taken against the three XXXX 's for noncompliance and damages.
Product: Credit reporting or other personal consumer reports

I been trying to get Inaccurate information on my report disputed and I have been getting the proper assistance I titled to
Product: Credit reporting

My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX 's error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureaus a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX should be deleted from my credit immediately because it was purchased by another lender, and they are already reporting the account as a collection. Experian and XXXX are committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. Please delete this account from my credit report within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account # XXXX XXXX with Home Depot. It should be updated as soonest possible with a XXXX balance.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had someone come into my place of work and steal my entire wallet. 
I found out on XX/XX/XXXX and filed a police claim with XXXX Police department. 
I found out that they had withdrawn {$8500.00} from my account at Bank of America. The withdrawals are as follows : XX/XX/XXXX WITHDRWL XXXX XXXX XXXX XXXX WA {$500.00} XX/XX/XXXX WITHDRWL XXXX XXXX XXXX XXXX WA {$500.00} XX/XX/XXXX XXXX XXXX cash withdrawal {$5000.00} XX/XX/XXXX XXXX XXXX cash withdrawal {$2500.00} My limit for deposit withdrawal is {$1000.00}. 

The teller at the bank listed above closes at XXXX XXXX whereas I was at work and did not leave until XXXX XXXX. I work as a XXXX and am not able to show the tubes with the time and my initials on it due to HIPAA, but I have a time card proving when I left XXXX. 

When I made the claim, I asked why I was never notified. I have no history of withdrawing this amount and this should have been flagged. I was told it was because they used my pin and was questioned extensively about it. I have it memorized, but it is the last XXXX digits of my social security number, which I have since been told is easy to guess or hack into. 

On XX/XX/XXXX, I was told my claim got denied because they used my pin. Somehow it took 7 business days to realize the same thing we discussed the first day I knew it was stolen. BofA did not follow up by checking any of the cameras at the bank, nor ask me for proof that I was at work during the time of the transactions or any other reasonable measures. 

To add insult to injury, BofA issued me the incorrect debit card twice. 

I asked to reopen my claim and they denied it again on XX/XX/XXXX. I called and they told me it was because they used my pin the first time. They then recommended me to get a subpoena for the bank videos. I asked them why I was supposed to do their job. I didnt need a video of who withdrew my money as I saw the person who took my wallet ( before finding out that it was taken ). They told me I was unable to reopen my claim. Frustrated, I waited on the phone for two hours to talk to someone who could actually tell me something useful. On XX/XX/XXXX, I was informed me that my claim was filed incorrectly and in the wrong department. There were two {$500.00} withdraws from my debit card, but the remaining {$7500.00} was through a teller, which apparently was not covered in the department I had been communicating with. 
XX/XX/XXXX I called again to find that the wrong claim was still listed and a new claim had never been filed!! To reopen it, I had to repeat the same information I have said since the beginning. I was finally asked to send proof that I was at work during the time the transactions were completed. I sent it the same day through a fax.