23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a case opened with experian here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was approved for forward payments from th homeowner 's assistance fund. These payments were to begin on XX/XX/22. I contacted HAF and was told parent was sent out.. I contacted my mortgage company and advised them of my situation. I emailed them my award letter. To date no payments have been applied.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX  Account # XXXXXXXX Balance XXXX {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXXXXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for XXXX years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, XXXX, and Experian CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made countless efforts to reach out to Experian regarding my account with XXXX Theres a Payment reporting late for XXXXz I wasnt late. XXXX has been having issues with website and phone lines. I disputed online with Experian they refused to remove late payment. I mailed letter and received a letter for validation of debt which I never asked for. Im simply asking for late payment reported to be removed it hurts that these letters are not being reviewed when we consumers mail them in
Product: Checking or savings account

My last XXXX banks someone has been able to steal all my money and use it to reroute my mail steal funds by overdraft bill pay and inflated utility bills also has stolen my identity to get a home loan car loan credit card line of equity and formed an LLC fleet trucking co and modify my credit reports bank statements ect. All made possible by network monitoring and hacking my network and all my devices this has also been done to my mom who died in XXXX {$25000.00} stole lawsuits filtering it through the LLC with a tax ID totaling in the millions and taxes claimed also
Product: Credit reporting, credit repair services, or other personal consumer reports

In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
Product: Bank account or service

I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to rectify this fraudulent situation, Chex System, simply ignored and never tended to my matter. Every time ( 4 times ) I have written and mailed in my discrepancy, I was denied information because I didn't have a PIN number, which was never given to me. I have had this fraudulent report on my account for months without any help or investigation for months. THEY HAVE BEEN IRRESPONSIBLE AND NEGLIGENT WHEN HANDLING MY CASE. i have submitted all documentation and proof that this is fraud ( police reports, affidavits, etc ) but to no avail. The police even have a suspect and this still want enough for Chex Systems. This is disheartening.
Product: Debt collection

I have reached out to XXXX the creditor by email and they confirm they have removed/ flat cancelled two accounts.The collection agency is unresponsive and will not remove one of the accounts from my credit report. I have called and they hang up on me. I do have it in writing from XXXXXXXX XXXX the creditor I am hoping that someone else can intervene and help me resolve this issue and finally get it removed. I have been trying to remove this debt from my credit report for XXXX years with no success. I appreciate your help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Product: Money transfer, virtual currency, or money service

I got charged on my bank account from XXXX XXXX on XX/XX/XXXX {$1400.00}. On my XXXX XXXX account I can see transaction sent to my mother XXXX XXXX ( I didn't make any transfer to her on that day, last time was on XX/XX/XXXX ) and it says that receiver country is XXXX, and my mother is not there, but it does say money is picked up. I called XXXX XXXX and they told me that in meantime someone changed the name of receiver to XXXX XXXX ( never heard of that person ) and that he picked up the money. On my XXXX XXXX account it is still showing that receiver is XXXX XXXX and I have official invoice from XXXX XXXX that that's the receiver name. It is obvious that it is a scam, but XXXX XXXX did not want to cooperate with me. I asked them how is it possible that some change the name of the receiver, only me as a sender should be able to do that, and I see the receiver is XXXX XXXX, not XXXX XXXX as they are telling me, but they couldn't provide any answer to my question.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Navy Federal Credit Union , I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Navy Federal Credit Union account number XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I purchased a home XX/XX/XXXX with Wells Fargo, in XX/XX/XXXX I was behind in my payments for maybe 5 to 6 months at the most. Instead of losing my house I went to Wells Fargo for some help and was told they were going to put the pass due that I was behind at the back of my loan. Just recently I decided to sell my house and move to another location due to a very good career change. To my surprise when the title company pulled the title to my property there was an additional loan from HUD for {$34000.00}, that I had no clue was a part of my mortgage. So to find out, the help they gave was modification of my loan and extended it out for another 26 years. Also, all of my principle that I paid prior to my loan modification it seems to be missing. I requested a payment history from Wells Fargo about 2 weeks ago for my payment history from XX/XX/XXXX - XX/XX/XXXX and yet to have received the requested documents. I've been in my house for a total of 9 close to 10 years and Wells Fargo is stating I've only paid {$9000.00} total to them. I would like to know where all of the money I've paid for mortgage over the last 9 years has gone. Please advise me what steps I should take to get the needed documentation for auditing purposes. A representative from Wells Fargo stated they are revieiwing my case due to a red flag they found, but I have just to get any resolution.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding a negative account that I believe is inaccurate and misleading, which is adversely affecting my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I notified Experian about some in accurate information on my credit report. There is one account that is not mine and 9 inquiries that is not mine and did not give permission to the creditors to access my report. 
I filed an electronic dispute with my picture ID attached. They were unable to or unwilling to correct my credit report with the proof I provided which is a picture I with a signature. That could be used to confirm my identity with creditors. Im requesting these items be removed per federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made a settlement on XX/XX/XXXX with collection agency XXXX XXXX. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency XXXX and they verified it was paid off and apologized and said they did not report it to the creditor commenity bank when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. 

I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX and photo of the current status
Product: Credit reporting or other personal consumer reports

I have disputed Experian multiple times with this alleged bankruptcy on my credit report. Experian has said that they used XXXX to certify the account but according to XXXX it is not on my report. Then I mailed the courthouse that was listed on my credit report and asked if they report to the credit reports, and they responded that DO NOT report to the credit reports. According to Experian on XX/XX/2024, Experian said that the " company '' that reported the information has certified to Experian that the information is accurate.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries were added without authorization and violate 15 USC 16c-2 ; remove them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish and account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times a collections account that is not mine. I have requested Experian to provide how they confirmed this was my debt. They have yet to send me any proof of debt. 

Account Number : XXXX Company : XXXX XXXX CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.