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

We disputed a XXXX XXXX account in XX/XX/XXXX. The dispute was suppose to be completed XX/XX/XXXX. The account is 7 years old. XXXX  and XX/XX/XXXX have removed the account completely. We called Equifax to remove the dispute. Instead of removing it, they open 2 more disputes. The initial dispute should have been closed. It surpassed the 30 day mark. every time we contact Equifax in regard to this untimely matter they open another dispute.the 7year time period has expired in regard to this account and the dispute filed on XX/XX/XXXX has went way beyond the prescribed time limit for disputes, but yet Equifax still has a active dispute open on my credit in regard to this Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.
Product: Credit reporting or other personal consumer reports

After talking by phone with company and getting run around filed complaint. I made a payment on same day to not have derogatory items sent to credit bureaus. Looked at credit report different than yesterday. XXXX put a derogatory over limit usage after I spoke to supervisor and after I made an early payment to not be over limit. Bill is not due until XXXX XXXX. If I had not been keeping track would never had known. XXXX is defrauding me and who know how many other consumers who use their services.
Product: Credit reporting or other personal consumer reports

Notices have been sent to this company regarding the accounts listed below and Experian has sent notices in less than a week saying that the following accounts have been verified and sent out stall letters. They are in violation as they are inconsistent with the other credit bureaus. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that all inaccuracies are to be corrected or removed promptly to ensure the accuracy, completeness, and fairness of my credit report. The continued reporting of these incorrect items is damaging my financial standing and causing significant personal distress and financial disadvantage. I demand this to be FIXED! 

Experian is the only bureau reporting this to my credit report every month illegally after numerous attempts to get this removed. They are in violation of 15 USC 1692 ( c ) ( c ), 15 USC 1681 1. XXXX  XXXX 2. XXXX XXXX Bank XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for personal loans through XXXX XXXX and/or other credit XXXX apps for free rates/quotes without a hard inquiry. Not approved for hard inquiry and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original loan with One Main Financial was in good standing, we paid it down refinanced it and opened a new loan in its place. However they charged off original loan instead. The new loan was given debt forgiveness due to a class action suit in which we had to pay taxes on from Tax forms given and received. They are not only reported our account for non payment on both of these accounts. But charged them off. We have multiple collections for the same loans with different amounts and different dates with multiple collections companys. In Addition for a loans that arent even ours for a XXXX XXXX whos remarried name is XXXX XXXX. This is FRAUD ALL THE WAY AROUND. The company was sued yet were being penalized. I have 5 loans from this company reporting that Im not responsible for. We paid taxes on this. All loans from this company misapplied. Ive written multiple times giving complaint to all credit bureaus and companies.One Main financial wont give documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off with Gap insurance and auto insurance coverage. Company reporting inaccuracy of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to resolve an issue with Navient, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : NAVIENT XXXX. XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$110.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under XXXX XXXX, I am formally requesting their removal within XXXX days. Relevant documents are enclosed for your review and consideration.
Product: Credit card

Consistently, I've made sure payments on this account are punctual, avoiding any instances of lateness. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Prepaid card

Because I currently am unable to obtain an account with a bank, I had to settle for a prepaid card of which I've used for THOUSANDS of direct deposits considering that I am a XXXX in the XXXX XXXX and get paid well. 

SOMEHOW Chime is unable to verify me... I've followe there instructions did XXXX on multiple occasions LET ME COUNT THEH WAYS! and yet I have no access, they stated my e-mail was not the same. On one occassion I spoke to someone that was able to verify my identity using my name, address, social and card ( on hand and file ), so she changed both my phone number and e-mail, that was sometime early XX/XX/XXXX. 

Moving forward, to I want to say XX/XX/XXXX I am notified by the IRS that they had direct deposited a check that I was expecting to recieve in the mail but instead deposited into said Chime account. 

I have not been able to log in or gain access since, apparently my e-mail, once again does not match ... it was over {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email saying that I was approved for an account that I didnt Apply for. I card was supposed to be sent to my old address but because I have the mail forwarded ; the card was sent to my current address. I have no knowledge of this account.
Product: Debt collection

XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.
Product: Student loan

I make payments that cover my accrued interest plus some. I just noticed on my statements that Navient says I accrued over {$1000.00} in interest in five days two times in XX/XX/2018. There could be more, I have not gone through all of it. I keep track of my payments and accrued interest on my own spreadsheet and have asked them to explain and provide documents to show how that much interest accrued in five days. Nothing yet.
Product: Checking or savings account

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. XXXX XXXX sent me the same notice from the same collections agency XXXX XXXX. 

I was told that I would be able to open an account because the first one was closed without my consent. Now I am having an issue opening an account personally and for my business. This is very disappointing I still have issues with wells fargo because they closed my account the first time.
Product: Checking or savings account

Around XXXX I was with a group of friends and XXXX of the people in the group is a known scammer. This person was able to access my XXXX  account as well as multiple other people. They filed a police report as there was enough to suggest that he was the person who did it. I explained to the bank I never granted permission to access my debit card and XXXX account. I told them I never make large purchases or anything for a similar amount outside of my rent payments. Obviously it would be seen as a suspicious transaction. I also explained that XXXX virtually has no verification process and as long as someone gets your number and password they can access your account plus banking details. I got my claim denied around XXXX and I immediately appealed provided my same account of what happened plus additional details they asked for and they denied it again and they will not provide me a detailed explanation of the finding of facts. They are attempting to hold me liable for a transaction I never made and told them it was 100 % unauthorized yet they refused to help me as a customer. It id not my fault my information was accessed and money was stolen
Product: Student loan

My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.
Product: Credit card

On Thursday, XX/XX/XXXX, I was traveling to XXXX, XXXX for leisure. While at the airport in XXXX XXXX, I took a cab that quoted me {$7000.00} XXXX  pesos, or roughly {$7.00} USD ( I was charged {$7400.00} USD ) I agreed to pay that amount. After a short ride, I presented my card to the driver while I unloaded the bags from the trunk, once the nags were out, I was handed my card back and I did not ask for a receipt nor one was offered by the merchant. Once at my hotel, I reviewed my transactions on the Citi app and noticed that I had been overcharged by a significant amount and I proceeded to call Citi immediately to dispute the charge. Over the phone, I was informed that there was nothing myself of Citi could do until the transaction posted, and even after explaining the situation to the agent on the phone, I kept getting reassured I wouldn't be responsible for that charge. Once the transaction posted a couple of days later ( XX/XX/XXXX ), I formally disputed the charge. Unable to contact the merchant, given that it was a cab, I have no way of obtaining a receipt or dispute the charge with them directly. 

On XX/XX/XXXX, Citi informed me that the case was closed and that I was responsible for the full amount, since I was not able to provide them with a receipt, despite me twice speaking with agent on the phone and explaining the situation in detail over the phone and over email. I spoke with Citi again on XX/XX/XXXX to appeal the decision and the agent on the phone let me know that they would be reopening the case and reviewing all the information, since the email I had sent detailing the situation had not been reviewed properly. 

On XX/XX/XXXX I called Citi again where an agent informed me that the investigation was still pending and that it had been escalated on XX/XX/XXXX and should had a resolution in the coming days. 

On XX/XX/XXXX I called Citi again and I was informed that the investigation had been closed, for the same reason as before ( lack of receipt ) and after explaining the situation on the phone with the agent, they agreed that this should not have happened and that they would be contacting the merchant. I was led to believe that they would be contacting the merchant to confirm the amount for the service provided. 

on XX/XX/XXXX I called Citi again and the agent on the phone informed me that this was being handled as an irregular billing dispute, since a card was present, and there was nothing Citi could do anymore since I had not provided a receipt for the transaction. I was also informed that the merchant was never contacted, and it wouldn't be contacted. and that Citi had no reason to continue to pursue this investigation anymore.
Product: Payday loan, title loan, personal loan, or advance loan

Fig - Your recent credit inquiry XXXX I never applied for a loan with your company. I have submitted a FBI IC3 complaint, a complaint with the CFPB, the FTC and will be contacting the XXXX Police Department later today. I received an email from you earlier this week and I unsubscribed. I will also be filing a complaint with the XXXX  and posting this message to any social media you have. Stop contacting me .... anyone who applied for a loan in my name has committed fraud. 

XXXX XXXX quoted text
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX  XXXX  XXXX  {$3600.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX 5 )  XXXX/XXXX  XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX   10 ) XXXX XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to experian that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Experian telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. Experian has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment removal request regarding account # XXXX To Whom it May concern : Unfortunately in WHICHEVER MONTHS & YEAR, I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being a single parent of XXXX & XXXX XXXX XXXX, while taking XXXX XXXX to fulfill one of my long standing career goals of gaining my college degree. Now that I've found a prosperous balance in my life, honestly can not associate with the person that let this pay obligation go unattended to. I fully respect my obligations with WHICHEVER CREDITORS & have worked diligently to amend my relationship with you by regaining your trust. A brief looks at my account will revealI have successfully made on time payment since my unfortunate circumstances
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXXXXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress and will continue to do so until it is resolved.