23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Earlier this year, I left the rate reduction program because I was unable to make those payments after losing my job. I was then called by a Navient employee who enrolled me in an interest only program where my payments would be {$35.00} a month. I have been making these payments on time for the last couple of months, but recently have been receiving non stop harassing phone calls telling me that I still owe more. I spoke with a Navient employee today and she said I was somehow entered into the program incorrectly. I don't understand how this can happen. It's extremely frustrating to deal with these people because nobody knows how to fix it, yet my phone rings day in and out.
Product: Debt collection

Disputed with the XXXX  XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXXis not responding to my correspondence.
Product: Credit card

There was a fraudulent charge for {$550.00} in the month of XXXX, which my bank blocked. I responded to the fraud alert email from my bank saying " I do not recognize the charge '' ( I still have the emails as proof ). Two days later, on XX/XX/XXXX, the amount of {$550.00} was posted to my account. It seems like the bank blocked the charge the first time but allowed it to go through the second time. This seems like the transaction took place at a XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of the fraudulent XXXX account ( XXXX XXXX ) from my Experian credit report. This account is inaccurate, unverifiable, and illegally reported in violation of multiple federal laws, including the FCRA and FDCPA. Experian has failed to ensure the accuracy of my credit information as required by FCRA 1681e ( b ). The account contains conflicting and inconsistent information, including different dates of last activity across bureaus, as well as contradictions in the accounts status and dispute history. Experian lists the account as closed, yet derogatory marks remain, continuing to negatively impact my credit, which violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 

Additionally, despite my dispute, Experian has failed to conduct a proper reinvestigation as required under FCRA XXXX ( a ). The account was previously disputed, but Experian misleadingly reports it as dispute resolved, even though no proper validation has been provided. XXXX has failed to produce any signed contract or legal documentation proving I owe this debt, violating FDCPA XXXX, which requires proper debt validation. Furthermore, FCRA XXXX ( a ) ( XXXX ) prohibits credit bureaus from reporting disputed and unverified information, yet Experian continues to do so, further damaging my creditworthiness. 

I have no contractual obligation with XXXX, and Experian has failed to provide any legal validation for this account. If this account is not immediately deleted, I will pursue legal action for willful noncompliance and seek damages under the FCRA and FDCPA. This is Experians final notice to correct this violation before further action is taken.
Product: Credit card or prepaid card

I requested this account be closed on XX/XX/2020 while speaking with account manager XXXX in the Arizona Office. When this account was closed, I was told multiple times that this account would not get any fees added to it and that my security deposit of {$200.00} would be used to pay the remaining balance of {$180.00} and that I would receive a check for the remainder of the security deposit that wasn't used. On XX/XX/2020 I received multiple phone calls from Citibank  's automated system to inform me that my account was past due and that it would be sent to collections. I logged into my Citibank account online and saw a balance of {$210.00} for my closed account. The account had been charged a late fee of {$25.00} and a Finance Charge of {$3.00}. I called the customer service line to find out what was going on with this account, being that it should be closed and should not be getting fees added to it, as I was told by XXXX. I spoke with multiple representatives that acted as if they didn't know what was going on and didn't see a problem with the account. After I spoke with an escalation manager named XXXX, she stated she would remove the {$25.00} late fee and the {$3.00} finance charge and notate the account in regards to the account closure and pending payment of the security deposit. When I asked XXXX about why did this account get fees, when I was told it wouldn't get fees, I requested that she pull the phone call from the day the account was closed, so they would hear what was told to me in regards to the account closure. I then requested to speak with someone higher than XXXX because she couldn't explain why someone had lied about the issue and Citibank had done the opposite. I spoke with another representative named XXXX, that basically was concerned more about the automated system 's calls to me and wanted to repeat the balance due on the account and not the issues of their lying to me, multiple times.
Product: Credit reporting

Transunion refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
Product: Credit reporting or other personal consumer reports

Transunion is reporting unverified unknown collection accounts to my credit profile and I have asked several times for the methods of verification but yet and still transunion continues to keep reporting these unverified fraudulent accounts to my credit report and listing them as verified with no explanation or verification or signed affidavits verifying that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was divorced by my ex-wife in XX/XX/2010 in which she was awarded the property and all financial responsibility concerning the property through mediation in which XXXX and my self agreed by. I call the lender HSBC to ask them to remove my-self off the loan and they decline. I am asking for you assistance to removed that loan off my credit report. I have supporting documentation to support why that loan should be removed from my credit report. 

Thank you for your assistance, XXXX XXXX XXXX
Product: Credit card

American Express sent an ACH to my bank, XXXX XXXX. To withdraw {$5000.00} from my checking account, to apply to my credit card balance. They were not authorized to seek the ACH debit of {$5000.00} from my checking account. The money left my checking account in route to American Express pursuing to their ACH debit, I was never applied to my account even though my bank has confirmed that they sent them the money. The {$5000.00} left my XXXX XXXX  account XXXX on XX/XX/year>XXXX  in route to Am Ex and it was never posted to my am ex account XXXX
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 U.S.C. 1681 Section 602 A. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.
Product: Credit card or prepaid card

I was charged a huge amount of fraud charges on my credit while not even having my credit card in my possession. I believe someone has my access information to my bank as this has been happening for a year now. Ive been with my bank for over 10 years and dont have any history of reporting fraud until a year ago. 

XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud following up XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud again with not even having a valid credit card in my possession. 

My bank is not accepting my fraud claim and believes the transactions were valid which is not okay and not acceptable the fact that they have not even given me any option to protect my information that is clearly being used. Ive physically gone to a bank to see what I can do to change my information to access my account and I have not gotten any treatment as to fix that.
Product: Debt collection

Client ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) closed on a purchase of a property on XX/XX/XXXX and the purchase was made from a foreign real estate investor. As part of the closing, the closing agent ( Nu World Title ) was required to withhold XXXX taxes from the seller. {$34000.00} were withheld and had to be remitted per section 1445 of the IRC to the IRS within 20 days. Funds were mailed to the IRS on XX/XX/XXXX, XXXX years later. The Client is now required to pay the IRS in excess of {$15000.00} in penalties and interest for late payment of the withheld taxes. 

Closing company breached its fiduciary responsibilty to remit funds timely to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit re

port. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX  Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had set a credit freeze for my Equifax credit report after hearing about the hack. I had lived in a different address at the time. I called a few years later to unfreeze my credit report for a mortgage. I had to verify my identity to do this. That is fine I am all for being extra cautious. The address I currently live at wasnt updated on equifaxs end. They locked me out of my online account as well. Thats very annoying but fine in the name of security. I to fax in my driver license and send in a cable bill to prove my identity. Also very annoying but fine again. I called as well and they grilled me on my credit history. All answers answered correctly and they assured me my credit was unfrozen and that my account with them online would be working. They said it would take about an hour to be activated. I check back in an hour and nothing is working. So I called back and they said the system is updating so call back. I have called and called and they keep coming up with many excuses to keep from having to deal with this issue. Im not sure what is going over there but after I have proven my identity I feel like they are just preventing me from getting my credit unfrozen unjustly. This has been going on for a few months now. I just cant get any strait answers from them. I feel like this is the only way for me to get any answer. If they need more identity verification then they need to let me know instead of keeping me in the dark and coming up with XXXX excuses to avoid giving me any answers.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/year> Dear EQUIFAX, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXXXXXX XXXX  XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$160.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$500.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Party Owed : XXXX XXXX Amount : {$270.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$330.00} Account number XXXX Party Owed : XXXX XXXX XXXX 
Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXXXXXX XXXX  XXXX : {$540.00} Account number XXXX Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX XXXX Amount XXXX {$230.00} Account number XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND IM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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 HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( NORDSTROM ), I HAVE ATTACHED THE LETTER PROVIDED BY NORDSTROM TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
Product: Checking or savings account

I have had XXXX XXXX for over 10 years and during that time i have witnessed and been charged overdraft fees even when my deposit was there and they would take the money and still say that my deposit was pending and cause a numerous number of overdrafts and overdraft fees. i called them a number of time when it happened and asked them since my money was pending or why my money was pending and i still got charged and overdraft fee when the money was there and looked like they were holding it until after the overdraft fee and then let it hit the account or post the funds. This happened many times and when i called i got the same answers so it was not worth keep calling since i would push it up and talk to at least XXXX people and it was never fixed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered numerous inquiries that were made without my consent or authorization. This egregious violation of my consumer rights must be addressed immediately. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for permissible purposes. These permissible purposes include inquiries made in connection with a credit application initiated by the consumer, among others. the following inquiries by institutions do not have permissible purpose or my consent to obtain my consumer report. XXXX, XXXX XXXX XXXX, XXXX XXXX NA, XXXX delete them from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX XXXXo a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Product: Credit reporting or other personal consumer reports

Experian are liars. XXXX was called at ( XXXX ) XXXX XXXX AM XX/XX/year>, and XXXX investigated and confirmed that there are no lates. XXXX further stated that they have NO correspondence from Experian, so Experian is dishonest and have acted in bad faith. She looked at the entire account has no credit bureau investigation. Experian has numerous times FAILED to provide documentation of late when I have recording of XXXX and XXXX confirming I have no lates. At XXXX XXXX  XX/XX/year>, I escalated the matter with XXXX ( supervisor at XXXX ), who stated they're not showing anything about they're late and there is no documentation of any correspondence from Experian. Both Experian and XXXX have both been notified XXXX with a written request, with no cooperation, of the erroneous entry of XXXX reporting a XXXX late on my credit. In addition, XXXX was called XXXX times. XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, and she assured that my account is in perfect standing with no lates. XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, ALSO assured that my account is in perfect standing with no lates. I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of Federal Law. Thus, XXXX and Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified.. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Experian is in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on both parties, please. Kindest Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX  BALANCED {$1400.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} 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, credit repair services, or other personal consumer reports

I WAS RECENTLY INFORMED VIA A BACKGROUND CHECK THAT THERE WERE MULTIPLE COLLECTION ACCOUNTS AND INQUIRES THAT WERE FILED WITH CHEXSYSTEMS IN MY NAME. I DID NOT AUTHORIZE ANYONE TO OPEN UP ANY ACCOUNTS IN MY NAME NOR DID I AUTHORIZE ANYONE TO WRITE CHECKS IN MY NAME. I HAVE BEEN THE VICTIM OF IDENTITY THEFT FRAUD SINCE 1986. I HAVE DISPUTED THIS WITH CHEXSYSTEMS ON THREE SEPARATE OCCASIONS, BUT THE FRAUDULENT INFORMATION IS STILL BEING REPORTED BY THEM. 

THERE ARE MULTIPLE ERRONEOUS NAMES, ADDRESSES AND DATE OF BIRTHS THAT ARE CURRENTLY BEING ASSOSICATED WITH MY REAL NAME AND SOCIAL. THERE ARE ALSO MULTIPLE INQUIRES THAT WERE NOT INITIATED BY ME NOR I AUTHORIZE ANYONE TO DO SO. 

***FRAUD NAMES : XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXXXXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX ***FRAUD ADDRESSES : XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXX XXXX GA , XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL , XXXX XXXX XXXX XXXX IL
Product: Debt collection

i am a victim of an organized fraud where {$49000.00} was stolen from me. The thieves opened up accounts with my info to buy property in new jersey but instead never received the property and eventually disappeared. The company worked with XXXX XXXX  who opened up this account with bbva with my info then told me to pay them XXXX for opening the account and that this is coming from them but asked me to pay it on the account she opened. The lady name XXXX who worked for XXXX told me that XXXX XXXX and her work all the time and that i can trust them. now the bank wants this money back but this fund was transferred from the loan they opened to the debit card and paid with that money. i have a police case for this fraud and is disputing all charges to give back the loan money they stole from me. i am attaching the bank declining the dispute and the police report
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found multiple late payments that seem inaccurate given my usual payment history. Kindly fix these mistakes and update my account. Thank you.