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

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things to my credit report. To this day over 30 days later I have not received a response yet. I feel I am being taken advantage of and being ignored of my dispute section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress it has caused me. The credit bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Product: Checking or savings account

My corporate account as majority owner was closed by a bookkeeper withdrew approx  XXXX  from   XXXX   XXXX     XXXX  NY put stop payments on multitude of checks and rewrote them after depositing $ $ into a new account in  XXXX  MA BOA without my name and under a fictitious EIN from another state. Later personal accounts at BOA were attacked with my addresses being changed so as I would not receive statements. And my name removed as signer on a personal joint checking. My identity completely stolen. Will never be regained. Further on my corporate CC was separated from the pack and  BOA  discharged my balance off to my personal. This is a second attempt as  BOA  should have an open investigation but nothing heard. More than likely it went in the trash.  BOA   XXXX  is a corrupt institution like I 've never seen before.
Product: Debt collection

Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Product: Credit reporting

I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file number of dispute that the account from SYNCB/XXXX XXXX I did not open this account this was open by my ex wife or someone else ... Yet again, thay have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. please note : As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am seeking ( {$3000.00} ) in damages for : ( choose which laws toinclude depending on whether or not they provided you with evidence or failed to mark as disputed ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Violation of ( insert corresponding state laws here if desired )
Product: Credit reporting or other personal consumer reports

Enclosed is an AFFIDAVIT OF TRUTH / PROOF OF CLAIM / NON NEGOTIABLE in hopes of receiving the request documents stated therein/herein. I as the consumer am sending this through the CFPB to serve a witness of any possible non compliance on behalf of Respondent. Respondent has sold this debt to XXXX XXXX XXXX for which should there should have been a 1099-C ( Cancellation of Debt ) filed whereas income was derived for the benefit of Respondent. Affiant/Consumer should have received a copy of said 1099-C from Respondent to be filed with the Internal Revenue Service as taxable income , but Consumer did not receive any such copy from Respondent. Therefore I am giving Respondent ( COMENITY CAPITAL/ IKEA ) 10 days from the receipt of this correspondence to reply to this claim and send said 1009-C copy and any and all documentation as proscribed within the enclosed Affidavit of Truth / Proof of Claim . Specifically, the validation of the debt via XXXX ledger and other documentation described therein. Please note that said alleged sold debt to XXXX XXXX XXXX became taxable income to Respondent and should have concluded Affiant's/Consumer 's debt obligation with Respondent to which should have removed any and all negative reporting to the credit reporting agencies. Please also note that the case between Affiant/Consumer and the third party XXXX XXXX XXXX has been litigated in the court and has been moved to an Arbitration hearing and litigation through XXXX  Reference # XXXX RE : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX See uploaded documents pertaining to that ongoing case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate and unverified accounts on my credit report, I sent a dispute to Experian and they refuse to do a proper investigation. they keep sending me back notices saying my accounts were verified, I know this is not true because I reached out to the data furnishers and they were unable to provide me with any debt validation. Experian keep using their data matching system e Oscar and is adamant about not doing a proper investigation. The data furnishers stated they had no information on the accounts, so hw in the world did Experian verify these accounts. I reached out to the XXXX  to complain and the XXXX  said Experian did not respond to them. please help my next step is to file a lawsuit.
Product: Credit reporting or other personal consumer reports

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX. So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Product: Mortgage

Complaint Details During the pandemic, Freedom Mortgage offered a program forbearance. We applied for the program because my wife has her own business that closed temporarily due to the population she works with. This was a huge loss for us. When the Forbearance was completed we were told that we had to pay the entire amount of the forbearance back in XXXX lump sum. We were put into loss mitigation. Then we told we had to make payments on the XXXX  of every month for XXXX months to have the ability to pay on line, which we did. Freedom Mortgage sent out a new payment packet via XXXX XXXX and they put the package in our front door. We were never told it was sent. We do not use our front door and we didn't know it was there until we received a letter stating it was null and void because we didn't return it. I asked to have it sent again. I was told had to start over and fill out all of the paperwork for loss mitigation. After filling out all of the paperwork, we were told we were not in compliance with the submission of a completed loss mitigation packet despite doing so. I filled it out again and sent it. At the end of the time period we were then told that it was never submitted because it was incomplete. Upon filing it again we were always told a different story as to what was missing I then was told that it wasn't right and that they needed something else. I have been given a direct contact name that you can not reach. I have asked them to contact me directly by phone, they have not. I have called in many times to make payments and ask questions and have been told different things by their customer service. I am once again being asked to send in different documentation. I have all of the emails, paperwork saved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting this CFPB complaint today to bring to your immediate attention the distressing fact that I have fallen victim to a severe case of identity theft. After conducting thorough research on the appropriate steps to rectify this situation, it has become evident that I must engage with the FEDERAL TRADE COMMISSION, accessible through their official website at XXXX : XXXX, in order to file a comprehensive report. I would like to emphasize that, as per the explicit provisions outlined in FCRA Section 605b, it is mandatory for Credit Reporting Agencies to promptly remove or block any accounts listed in connection with an identity theft report. For your convenience, I have enclosed the necessary supporting documentation to facilitate the swift elimination of the erroneous information that is tarnishing my credit report. The following accounts, which clearly do not pertain to me and have been illicitly opened without my authorization, require immediate attention : 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 XX/XX/2022 XXXX Furthermore, in strict accordance with FCRA Section 605B ( a ), it is explicitly stated that the CREDIT REPORTING AGENCIES are obligated to expeditiously block any information within a consumer 's file that is recognized by the consumer as originating from an identity theft incident. This crucial action must be taken no later than four business days from the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$540.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.
Product: Credit reporting or other personal consumer reports

Information on my transunion consumer report was not properly validated. XXXX XXXX is reporting inaccurate information on my consumer report that needs to be removed.. XXXX XXXX has been disputed multiple times on my consumer report and it has not been validated properly. ive took the proper steps to send out a validation letter to the collection agency they still have not responded to the validation I sent through certified mail. They receive the validation letter through certified mail on XXXX XXXX 
They are validated 15 USC code 1692G that states validation of debt within five days after initial communication. The consumer agency is validating the consumer law that was put to protect consumer such as myself against agencies thats doing unfair acts as you see in my attached files I have proof that the company received the validation letter on XX/XX/XXXX and still has not responded to the validation letter, that should be removed off my consumer report or I will take legal actions
Product: Credit reporting or other personal consumer reports

The problem is as of today XX/XX/XXXX  XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Experian account. 

I can provide my correct information such as my driver 's license. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am putting Experian, XXXX, XXXX On second notice For the report of Fraudulent non public information on my report like transaction history and experiences which is excluded from Report via 15 us code 1681a ( i ) These accounts : XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX Needs to be deleted from my report immediately I have opted out of all CRAs selling and sharing my non public information like these accounts above If accounts are not deleted swiftly then I will have no choice but to escalate this case to a default judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX last for of social XXXX URGENT!! 
This discrepancy, along with the unauthorized reinsertion of a previously deleted item without proper notification, constitutes clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is required to notify the consumer within 5 business days if a disputed item is reinserted into their credit file. I did not receive any such notification, which is a blatant infringement of my rights under the FCRA.
Product: Student loan

I took out around {$19000.00} to get an XXXX degree from XXXX. I was an independent student so at the time federal loans and grants fully funded my education. When I graduated I had a job that barely allowed me money to live. I consolidated all my loans to XXXX XXXX who subsequently sold the loans to AES aka PHEA. From around XXXX my loans were serviced by PHEA. early on in the repayment I defaulted and the amount grew to {$29000.00}. I was able to get back on track but in XXXX I was getting divorced and again found myself unable to pay my loans. After exhausting my Forbarences I was in hours of conversation with PHEA as to how I could get on an income driven plan to lessen the burden. I was told that the only way I could do that would be if I went into default. Shortly after the 120 days were up in I was in financial ruin, I was contacted by PHEA and offered an income driven repayment plan, I took the offer. I was told that my payments would be $ XXXX month until I didnt qualify anymore. I was also told that because I defaulted that my new loan with the collection fees would be {$59000.00} and that all my qualifying payments made towards PSFL Would no longer qualify and that I would need to start over. My loans are now {$89000.00} ( I added {$2200.00} for a masters mostly because being a XXXX XXXX XXXX again was safer ). I asked PHEA to audit my loan for months as I though that {$30000.00} in collections fees were absurd but they sold my loan to a new servicer and never answered my correspondence except once to say that they no longer service my loans. I recently learned that the state of Massachusetts sued PHEA for the very practices that I am speaking of and I was excited that someone was doing something. I was living in Massachusetts until XXXX which my luck would have it is the exact cutoff for the lawsuit. I dont know what else to do.
Product: Consumer Loan

Have several previous cases regarding this company and they never responded to the last update. I am not receiving daily calls after they assured me in writing that my account was place on a complete call block.